One more question , can I cash the cheques while disputing the figure ???

Different question , my egg card has Just come back and they have only offered me 316.00 in total for payment protection over five years , it was nt a massive credit card , around 800 owed , does this figure sound right ? It works out £5 a month back with no interest ???

No , just the credit agreement showing how much the ppi was ?

The Halifax refused , two of my three loan ppi s ,

but I have had one paid out !!!!! £ 230 in total . Wopeee ha .

The thing is they have said premiums 56.94 ,

but I now have had the credit agreement sent to me and it says total amount you pay for insurance is 258.30 ???

Is there figure right .

Maybe I payed it of early ,

I don't understand how it works ?

Please help x

I think you need to start thinking about taking your complaint to the Ombudsman.

Thankyou , if you think I might have a chance i will do x

Should I ring them and tell them I was on maternity at the time the policy was apparently taken out . Also how have I signed if I did it on Internet like they state

here are the letters they have sent me ,please help

Right , how do I add pictures to here . I can take pics of the letters and post them here , but I can't work out how to do it , I have a iPhone !

I know they say I applyed on Internet ,

but I must have signed in branch I guess .

Shouldn't they have explained it to me then if I was signing for it ???

Also I was on maternity at the time after just having my little girl and I was also pregnant with my boy .

( she was 11 weeks old when I got pregnant with him ) .

Wouldn't this have made the ppi invalid anyway ???

Should I ring them with this information or is it to late ?

Sorry what letters , the two refusal letters ??

Shall I do that instead of taking it to FOS like everyone is saying , also I was on maternity at the time , I have read somewhere that I might not have been covered anyway ??

They said in the refusal letter that because it was done over the Internet I was not miss sold , I was so annoyed when I received the letter because I know I wouldn't have asked for it . It was just applyed .

I rang up and they took the complaint over the phone , they rang me up five times in a week asking what pay I got , what redundancy pay , how much , how long for ? Not once did they tell me I applyed on the Internet for the credit card .

Sorry I have jumped in on your thread !! I've worked out how to do my own now . Good luck , I need it lol

Didn't have any paper work , they were good enough to give me the information that I did have ppi . And thankyou for help

I'm new to this site , but I would like help to . I had a credit card in 2005 with halifax and I now have been told I had PPI on it .

I didn't need it and didn't want it . I get full sick pay and been in the same job then 10 years so my job was very safe .

I also have critical illness policy with my mortgage , I made a complaint trying yo get my money back but got told to bog of ! Shall I try to take it further ??

The Halifax have said I apply for it over the Internet so this means it was not miss sold ? I would never have taken this if it was shown as a option !! When I asked the bank to tell me how I asked for it they sent me a credit agreement with my signature under payment protection wanted ????

It was also signed the same date that I was surposed to have applyed on line ??? Does this sound right !! How could j have signed if it was on Line ?? Have I got a case to take it further ??? Pretty please help

I'm new to this site , but I would like help to . I had a credit card in 2005 with Halifax and I now have been told I had ppi on it . I didn't need it and didn't want it . I get full sick pay and been in the same job then 10 years so my job was very safe . I also have critical illness policy with my mortgage , I made a complaint trying yo get my money back but got told to bog of ! Shall I try to take it further ?? The Halifax have said I apply for it over the Internet so this means it was not miss sold ? I would never have taken this if it was shown as a option !! When I asked the bank to tell me how I asked for it they sent me a credit agreement with my signature under payment protection wanted ???? It was also signed the same date that I was surposed to have applyed on line ??? Does this sound right !! How could j have signed if it was on Line ?? Have I got a case to take it further ??? Pretty please help