Halifax PPI Claim - Help needed please!!!

[Jimmy Neutron]

Hi guys,

 

I had a loan with Halifax for £7155 and it had another loan on it for £1573.73 plus interest for PPI this was taken out in 2003. Unfortunately, I fell behind with the payments and the loan was sold on to a DCA, which I have been paying via Payplan and the DCA are making me pay £6854

 

I wrote to the Halifax on 30th October 2008 submitting a claim for PPI. They responded in writing on 19th November 2008, with their usual waffle and also went on to say that I will receive a payment within 1 month.

 

On 19th December, I telephoned them and was told that the loan agreement had been written off and that the Halifax were looking at their PPI refund procedures, I requested written confirmation that the amount had been written off and have heard nothing since.

 

I wrote again in January 2009 (recorded delivery) - No response

 

In February 2009, I reported them to the FOS, but they are very slow due to the sheer volume of complaints they have about PPI etc.

 

I have today written to Halifax again asking them to confirm the accont is wriiten off and to either send me a check for £1573 +8% or ask the DCA to reduce the amount owed by the same. I have given the ANOTHER 15 working days to come up with the goods or I take them the small claims route.

 

Can anyone suggest anything else???

 

regards & thanks in advance

[alanalana]

hello Jimmy,

 

Hi guys,

 

I had a loan with Halifax for £7155 and it had another loan on it for £1573.73 plus interest for PPI this was taken out in 2003. Unfortunately, I fell behind with the payments and the loan was sold on to a DCA, which I have been paying via Payplan and the DCA are making me pay £6854

 

I wrote to the Halifax on 30th October 2008 submitting a claim for PPI. They responded in writing on 19th November 2008, with their usual waffle and also went on to say that I will receive a payment within 1 month.

 

On 19th December, I telephoned them and was told that the loan agreement had been written off and that the Halifax were looking at their PPI refund procedures, I requested written confirmation that the amount had been written off and have heard nothing since. Did you ask for written confirmation on the phone or by letter. Better to keep everything in writing.

I wrote again in January 2009 (recorded delivery) - No response

 

In February 2009, I reported them to the FOS, but they are very slow due to the sheer volume of complaints they have about PPI etc.

 

I have today written to Halifax again asking them to confirm the accont is wriiten off and to either send me a check for £1573 +8% or ask the DCA to reduce the amount owed by the same. I have given the ANOTHER 15 working days to come up with the goods or I take them the small claims route.

 

Can anyone suggest anything else??? Unless you have everything in writing I would stick with the FOS. My reason here is if you go via the FOS and your complaint is not upheld you still have to option of going to Court but If you go to Court before the FOS decision and lose you would have to inform the FOS and they would then close your complaint as they cannot overule the Court.

 

regards & thanks in advance

 

Have you submitted a Subject Access Request to halifax?

 

If not this should be your starting point then if you get no response from them within 40 days you can complain to the Information Commissioners Office for their failure to comply with the Data Protection Act 1998 and they can instruct halifax to release all data applicable to you and the loan including the passing of the loan to the DCA.

 

It is better to have all the relevant information to hand before proceding to a small claims court.

 

aa

[Jimmy Neutron]

hello Jimmy,

 

 

 

Have you submitted a Subject Access Request to halifax?

 

If not this should be your starting point then if you get no response from them within 40 days you can complain to the Information Commissioners Office for their failure to comply with the Data Protection Act 1998 and they can instruct halifax to release all data applicable to you and the loan including the passing of the loan to the DCA.

 

It is better to have all the relevant information to hand before proceding to a small claims court.

 

aa

Many thanks for your reply alanalana.

 

I have all correspondence in writing, I have just sent a SAR today so should be interesting to see what happens.

 

Will keep you updated

 

JN