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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

muzzeruk

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Everything posted by muzzeruk

  1. muzzeruk
    The main sticking point is I wrote they sold the PPI during a meeting at the bank sometime in 2002, Halifax countered by saying I took the PPI during a phone call application for a credit card. I SAR Halifax for any of the sales notes, phone logs everything relating to the PPI sale Halifax didn't send anything covering the PPI sale that took place.I even had to use the ICO to force them to comply with my SAR request. My main written testimony is they didn't explain the terms and conditions to me and i felt pressured in to taking out the PPI.
  2. muzzeruk
    my ongoing battle with Halifax PPI on a credit card dating back over 10 years. I have received the adjudicator assessment of my complaint and he's saying he won't uphold my complaint despite the boxes being preticked (computer marked X) on the PPI cover box. I intend to refer this to an Ombudsman for a decision or am I just wasting my time? With the SAR request I made it was upheld by the ICO but the information Halifax sent me hasn't got copies of any of the credit card agreements. In this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?368640-PPI-claim-rejected-I-have-SAR-twice-no-response-Halifax. someone suggested to SAR them to provide evidence of the phone call I apparently made. Surely Halifax would've sent this with my original SAR request? which they didn't! Even though I asked for copies of all data phone calls etc. I'm looking for my best option forward with this case as the FOS seem to be a waste of time.I have until December 13th to respond to the FOS to get a Ombudsman to look at my case for a final decision.
  3. muzzeruk
    Hey thank you for the information. One last question if I don't refer them to the FOS in the 6month time frame can i still take my bank to court and get my PPI back that way? I believe they are trying to delay me as much as they can.
  4. muzzeruk
    The ICO have said I should wait until this 40 days are up and then fill out a complaint form and they will take it from there.
  5. muzzeruk
    Which one will get the fastest response, ICO or the courts?
  6. muzzeruk
    It was received I have the tracking number and the signature used to sign for it. The address I sent it to is: HALIFAX PLC TRINITY ROAD HALIFAX WEST YORKSHIRE HX1 2RG My reasons are the terms and conditions were not explained to me and I felt pressured into the sale. Halifax are claiming all of this was explained on the phone etc, I for one cannot remember having any thing explained to me over the phone about PPI. The box for repayment cover/PPI is auto crossed in as well on the paper work I do have.
  7. muzzeruk
    I made a claim on my PPI on my Halifax credit card which dates back 10 years, Halifax rejected this claim and said I was explained the terms and conditions on the phone when i took out the credit card. I sent a SAR and received no response the time as now lapsed on that one, I sent a new one on the 1st October recorded delivery with a cheque for £10 addressed to Halifax PLC, I just checked my online banking and the cheque has not been cashed so I assume this means they have no intention of fulfilling this SAR request either.The SAR was signed for I have proof of delivery. I am getting rather annoyed with how my bank is treating me! What course of action should I now take (Court or ICO)? To get them to fulfill the SAR request. They state the PPI was explained to me on the phone, which I believe is a false statement so I need access to all my records from them, ready to send to the FOS. On my PPI claim I intend to refer Halifax to the FOS, on the claim rejection letter I received they stated I have 6 months to refer this to the FOS if I don't do it in this time frame the case is closed for good. Is there any truth to that statement? Any advice is appreciated.
  8. muzzeruk
    Thank you for the link.
  9. muzzeruk
    Any good templates that i can edit to what i need floating around? Thanks for the help so far.
  10. muzzeruk
    Yes the PPI box was auto crossed in on my credit card application when i signed it and the card protection box crossed in as well. Should I SAR them and demand some proof of this phone call?
  11. muzzeruk
    Hi all first time poster.. My credit card account dates back to 2002 I have been paying a monthly PPI premium any time this credit card was in debt. After reading a lot of success stories of people reclaiming their PPI I phoned Halifax and started a complaint 30 days ago. They told me to fill out the FOS questionnaire which I sent back leading to my claim being declined. In the FOS questionnaire I wrote I felt pressured into taking the policy and they didn't explain the terms and conditions clearly to me. The official letter response said I applied for PPI over the phone the terms and conditions were explained clearly to me and that i wasn't pressured since it was a phone conversation. For one i can't remember the phone conversation as it was 10 years ago now if it even took place. The letter also states that if i don't raise any more concerns they will consider my case as closed in 28days. Is there any way for me to hit them with a SAR request (template?) to get access to the original PPI policy details, the amount I have paid into this policy, access to the phone call log if it exists and any other details I might need? The only documents i have is the credit card application and terms and conditions. I intend to follow this up by using the financial ombudsman service and would like to have all the paperwork regarding my case to send to them.

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