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McCarthybaby vs Halifax cc PPI


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Hi guys,

 

I have today received my SAR details re my halifax cc card. Love getting these special packages through the post lol.

 

So i have had a look through and come up with the following figures if someone would like to have a look and tell me if these are correct would be fab.

 

Can not find APR on printed statements but have taken apr off of terms and conditions which states 17.9%

 

22.09.03 - 5.20

23.10.03 - 9.54

21.11.03 - 6.58

22.12.03 - 8.70

23.01.04 - 8.83

20.02.04 - 9.02

22.03.04 - 9.13

22.04.04 - 9.15

21.05.04 - 8.88

22.06.04 - 9.08

22.07.04 - 9.10

23.08.04 - 9.07

22.09.04 - 9.73

22.10.04 - 10.10

22.11.04 - 9.50

20.12.04 - 9.71

24.01.06 - 10.31

 

so after using the calculators and added contractual and then stat interest i came up with...................

 

575.51???

 

is this right?

 

also been trying to find a template letter to use for credit cards if anyone has got one or can point me in the right direction would be fab!

 

thanks

 

mcc

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I get £596.04 so only £20 out!! :p

 

a word of warning regarding Halifax, when I asked for my PPI back they finally offered it as the old "good will gesture" but applied simple interest to the monthly premiums, then the 8% simple on top.

 

This meant that the interest they worked out over 3 years worth of PPI was less than the 8% amount, couldn't work that one out :confused:

 

we couldn't agree so now it's gone to the FOS.

 

I didn't really use a template letter as such, because my complaint was the lack of info in my SAR response regarding the PPI. Basically they sent nothing. As they sent no info I made a complaint and demanded the PPI back, and it just went from there really.

 

Have a look around this area of the forum, I'm sure there will be some letters on some of the threads, good luck!

 

Birch :)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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There are template letters I will post a link...

 

Bank Templates Library

 

The links and template letters are mainly aimed at bank charges but you can actually use some of them in cases of PPI claims. Such as Letter Before Action. Non Compliance with SAR etc.

 

PPI is a difficult baby to handle so many different issues to handle. Timescales, brokers, online forms, consumer credit agreements, terms and conditions, timescales, mortgages, loans, credit cards, pre ticked boxes online, failure by sales personnel to ensure correct questions asked on the customer needs and wants survey, employment status, alternative insurance options, pre existing medical conditions :D just to name a few that have come up on this forum.

 

Do not let me put you off with what I have posted. To date I have recovered nearly £18k and still have 5 ongoing fights for PPI reclaims and another 3 on bank charges. So chin up get into full reclaiming mode and away and get your money back.

 

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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  • 2 weeks later...

I have drafted this letter if someone could perhaps take a look and give input where necessary?

 

thanks

 

Dear sir madam

 

Thankyou for the details you supplied me under my Subject Access Request 16.10.09. I have studied all documents provided and it has become apparent that I was paying protection insurance on my account. Since 1999 I have been diagnosed with a pre-medical condition that would have made me exempt from any insurance policy. Please see attached letter from my consultant to confirm dates.

I believe that I was mis sold this information as your sales person made no enquiries unto my medical history past or present at that time. If they had it would have been apparent to them that I would not have met the criteria and therefore would have been ineligible.

I now believe that the premium PPI policy attached to my account was extremely unfair and totally unreasonable and offered me very little, if any protection value whatsoever. I am therefore requesting a full refund of monies that have been paid and the interest added to these payments at the rate of 17.9% as per your terms and conditions.

Furthermore as I believe that I have unlawfully been deprived of this money, I also expect the repayment of the interest at the statutory interest rate of 8% applicable to each of the payments made.

I have included a list of all payment amounts and dates below for your perusal. I have also added on the contractual interest on to each payment amount and then the statutory rate. Therefore I am asking for a refund to the sum of £596.04.

 

22.09.03 - £5.20

23.10.03 - £9.54

21.11.03 - £6.58

22.12.03 - £8.70

23.01.04 - £8.83

20.02.04 - £9.02

22.03.04 - £9.13

22.04.04 - £9.15

21.05.04 - £8.88

22.06.04 - £9.08

22.07.04 - £9.10

23.08.04 - £9.07

22.09.04 - £9.73

22.10.04 - £10.10

22.11.04 - £9.50

20.12.04 - £9.71

24.01.06 - £10.31

I look forward to receiving a positive response from you within 14 days.

 

 

This is my first attempt at writing this sort of letter so hopefully i am not too far off the mark.

 

 

Any advice on it much appreciated

 

 

thanks

 

 

Leah

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Thank you for the details you supplied to me under my Subject Access Request 16.10.09. I have studied all of the documents provided and it (has become apparent) is now obvious having scrutinised the documents that I was paying protection insurance on my account. Since 1999 I have been diagnosed with a pre-medical condition that would have (made me exempt from) precluded me from making a valid claim on any insurance policy. Please see attached letter from my consultant to confirm dates.

 

I believe that I was mis sold this (information) Payment Protection Insurance as your sales person made no enquiries (unto) with regard to my medical history, past or present at that time. If they had it would have been (apparent) glaringly obvious to them that I would not have met the criteria to make a valid claim and therefore I would have been ineligible to receive the cover I was being charged for

.

I now believe that the premium PPI policy attached to my account was extremely unfair and totally unreasonable and offered me very little, if any protection value whatsoever. I am therefore requesting a full refund of monies that have been paid and the interest added to these payments at the rate of 17.9% as per your terms and conditions.

 

Furthermore as I believe that I have unlawfully been deprived of this money, I also expect the repayment of the interest at the statutory interest rate of 8% applicable to each of the payments made.

 

I have included a list of all payment amounts and dates below for your perusal. I have also added on the contractual interest on to each payment amount and then the statutory rate. Therefore I am asking for a refund to the sum of £596.04.

 

I have tweaked for your consideration. You may wish to change the red to blue but at the end of the day it is your letter.

 

Good luck anyway. ;)

 

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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