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Halifax - TMPP


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Hi

 

Has anyone had any success at claiming back mis sold Total Mortgage Protection Plan (TMPP) from Halifax?

 

We paid it for 3 years without ever really knowing why so we cancelled it but wondered if we have a valid claim to pay back the pemiums paid as it was over £80 a month so was quite pricey.

 

I have had a search but there doesnt seem to be many examples.

 

Anyone out there dealt with this or have any tips?

 

Thanks.

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  • 1 month later...
anyone?

 

Hello gram I am not sure about the TMPP but it sounds like insurance to cover your inability to pay your monthly mortgage payments. I would suggest you try and reclaim as you could more than likely have got cheaper insurance than from your lender. Also check out to see if the terms and conditions had exclusions such as pre existing medical conditions, self employed etc. Please check out this link for a variety of reasons PPI and LPI and probably TMPP were mis-sold.

 

PPI - Some Notes for Claimants..

 

It would IMO be worth pressing Halifax on this point as the Competition Commissioner has given this ruling...

 

http://www.competition-commission.org.uk/rep_pub/reports/2009/542ppi.htm

 

If you can confirm that the TMPP is along the lines of PPI then you could have a valid claim to get your premiums and 8% statutory interest repaid..

 

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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  • 3 months later...

Bump ......

 

Did this ever get anywhere?

I have been paying Halifax TMPP for a loooooong time and am considering claiming for mis selling.

Do the general PPI templates cover this or could someone point me in the right direction to something more relevant ?

Thanks

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  • 11 months later...

Has anyone had any succesfull or unsuccessful reclaims on this TMPP? I'm particualrly interested to hear how other people have got on now, especially with the Lloyds banking Groups announcement regarding not contesting the court PPI decision and setting aside £3bn for complaints.

 

Would this Halifax TMPP come under the Lloyds announcement too?

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If anyone has any info on this it would be great as I have the same TMPP

 

Thanks in advance

Progress Report

 

Mine - NatWest

 

Data Protection Act Request 04/08/2006

Data Protection Act Recieved 12/09/2006

 

The Wife's - Barclays - £2000

 

Data Protection Act Request 04/08/2006

DPA Recieved 16/08/2006

Prelim Letter Sent 17/08/2006

Offer of £800 Made

 

http://www.internationalmyday.com

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  • 3 months later...

Hi

 

TMPP is, I believe, a product that is packaged with your loan and which can have a number of different types of insurance under one policy. One of those insurances could be ppi.

 

At the end of the day, if this product was mis-sold then by all means submit a claim...you have nothing to lose.

 

Regards

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi

 

There you go.....these things are all worth banging in a claim.

 

Congratulations and enjoy your "winnings"

 

Regards

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I already have claimed, and bizarely i received a reply yesterday! They are paying back all premiums paid plus 8%. Result.

Hi Gram, great to here you had a successful claim can i ask you how long did the process take and what did you say on the forms when you made your claim as i have just sent off my forms.

thanks in advance

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Hi Gram, great to here you had a successful claim can i ask you how long did the process take and what did you say on the forms when you made your claim as i have just sent off my forms.

thanks in advance

 

Hi tm77

 

I didn't fill out any forms, i simply phoned the PPI complaints number from the Halifax website and the guy took all my info down and said that was enough for them to investigate the complaint. At the same time he also informed me about a Bank of Scotland loan from years ago that i had forgotten i ever had, and asked if i wanted to complain about that too. Which i did, and i received the same offer for that too. Result.

 

 

With regards to what i said, for the TMPP i said that we were told we had to have it to get the mortgage, we were told we couldn't get it from anyone else it had to be them, we weren't asked if we already had any other such PPI therefore wouldn't actually need it. All of which was true. That was all.

With regards to the BOS personal loan i simply said if there was PPI on it then i wasn't even told at the time that it existed. I didn't know anything about it or was asked if i needed it. That was all.

 

I had this conversation in the middle of May, so they pretty much took the full 16 weeks allowed before they replied.

I sent back the acceptance forms a week ago and phoned to check they had been received.They have, however they could not give me a timescale for settling due to the huge number of cases they are dealing with, so who knows how long it will be.

 

Cheers

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Hi,

I am going through Gladstone Brookes (GLADB)for this. I had Halifax TMPP for a total of 7 years (about £40 per month) I too was told by the advisor that I could not have my mortgage unless I took this out. I also had previous medical conditions (kidney problems and depression). But I was not asked about any previous or existing medical conditions (I can prove I had these through medical records). I only discovered after watching don't get done get Dom that if I had tried to claim on my tmpp then I wouldn't of been able to because of these prev medical problems. It was cancelled 2009 when I sold my house and paid of the mortgage. GLADB have told me Halifax now have 16 weeks to respond, I take it this means my claim is valid then? Any help or clarification would be greatly appreciated. thanks

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Hi,

I am going through Gladstone Brookes (GLADB)for this. I had Halifax TMPP for a total of 7 years (about £40 per month) I too was told by the advisor that I could not have my mortgage unless I took this out. I also had previous medical conditions (kidney problems and depression). But I was not asked about any previous or existing medical conditions (I can prove I had these through medical records). I only discovered after watching don't get done get Dom that if I had tried to claim on my tmpp then I wouldn't of been able to because of these prev medical problems. It was cancelled 2009 when I sold my house and paid of the mortgage. GLADB have told me Halifax now have 16 weeks to respond, I take it this means my claim is valid then? Any help or clarification would be greatly appreciated. thanks

 

16 weeks is the time given to banks by the FSA to investigate claims before the fos will look at the matter.

 

It doesn't necessarily mean that you will be successful at the first hit. Banks do wriggle!

 

Personally I would never use a claim company for something that can be done yourself...they will end up charging you some 25-30% or more.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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