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my partner took out 2 loans with the Halifax about 5 yr ago to replay in 6 yr term, which means they are nearly paid for now. but it looks like they were sold PPI. they didnt even know what this was, till reading your site,now were wondering if we will be able to claim back the PPI from the halifax for mis selling this policy. since my partner has had this loan they havent had no letters to show how much they are paying off or no statements to show. all we have had is them taking £186 a mth from our account. which no letters at all. what would be the best approach here

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my partner took out 2 loans with the Halifax about 5 yr ago to replay in 6 yr term, which means they are nearly paid for now. but it looks like they were sold PPI. they didnt even know what this was, till reading your site,now were wondering if we will be able to claim back the PPI from the halifax for mis selling this policy. since my partner has had this loan they havent had no letters to show how much they are paying off or no statements to show. all we have had is them taking £186 a mth from our account. which no letters at all. what would be the best approach here

 

Best thing is to read up and study to get the full picture.

 

Here are a few things to get you started.

 

PPI - Some Notes for Claimants..

 

links within the links link you will find more such as this...

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

This is a little snippet from the above link....

 

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

 

There is a lot more best to read up and then send off a Subject Access Request with the Statutory fee of £10.00....

 

Full SAR for ppi and also here..

 

Data Protection Act 1998 - Subject Access Request

 

You should specifically request the following:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loans.

 

Copies of all statements applicable to the loans.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

A copy of the needs and wants/ customer duty of care questionnaire... here is an example.

 

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

Copies of any notes made by any staff in their dealings with you.

 

aa

 

 

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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