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Halifax PPI Claim Help!


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Hi,

 

I've just received the paperwork from halifax and I was hoping that someone could give me advice on what I should do next...I took out the loan in September 2003 and I can see that I've signed the PPI section although I remember them telling me I would be refused if I didn't sign it as it was for a large amount and I was young. It was for £15,000 over 7 years and I was 23.

 

I have never missed a payment although I did enter into a payplan agreement for about 12 months or so while I sorted out my finances. In fact duringn that agreement I overpaid the loan by 2 months.

 

In the summer of 2007, when I entered the payplan agreement I contacted themto cancel the PPI....they told me that I would have to take out a new agreement for it. Considering I was using payplan at the time they told me that the loan would probably have a less afavourable interest rate if they could offer me one at all!

 

I know I need to fill in a stage one letter but I've found numerous templates and I'm not sure which one to use. I'll be putting the loan details into the spreadsheet tonight but to I also included statatory interest or compound interest (which one should I use!) in my first letter.

 

I was also wondering if it's worth including reference to PPI rules prior to 2005 just in case they delay the claim with the response that it doesn't fall under the FSA rules.

 

Your help would be greatly appreciated!

 

Regards,

 

Ross

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Sorry, I should also add that I was a full time permenant civil servant, and still am which would mean I could never make a sucessful claim against the insurance and I get a redundancy package and full pay during times of sickness - they knew I was a civil servant.

 

I'm hoping the reasons it the last post and this one are enough to prove I was mis-sold the policy!

 

Cheers,

 

Ross

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Hi again,

 

I hope someone is able to help. I've put my figures into the spreadsheet provided it says the total PPI interest paid to date (I've made 64 payments of out 84) exceeds the total charge for credit for PPI stated on my loan agreement for the life of the loan. Can anyone explain this please?

 

Kind regards,

 

Ross

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