Halifax Total Mortgage Payment Protection

[RPO]

I would like some advice regarding a policy taken out with Halifax in 2001.

 

I changed mortgage in 2007 and did not cancel the payment protection i had with Halifax. I no longer needed the policy as i married and was no longer working and my husband had seperate arrangements. I have been paying for the policy for the last 3 years without needing it and feel that i should have at least received some notification when i paid off the mortgage.

 

I have contacted Halifax to cancel the policy and asked about whether i would be entitled to claim back for the 3 years i was paying the policy since i had transferred the mortgage, i was told that as this was not just mortgage cover but also life cover and that the cover would still have been valid and i would not be entitled to claim back.

 

Any advice would be welcome.

 

Thanks.

[dx100uk]

garbage

 

go get 'em!

 

pop along to the PPI forum

and read the stickys & a few threads

then start your own thread there on the subject

 

dx

[RPO]

I would like some advice regarding a policy taken out with Halifax in 2001.

 

I changed mortgage in 2007 and did not cancel the payment protection i had with Halifax. I no longer needed the policy as i married and was no longer working and my husband had seperate arrangements. I have been paying for the policy for the last 3 years without needing it and feel that i should have at least received some notification when i paid off the mortgage.

 

I have contacted Halifax to cancel the policy and asked about whether i would be entitled to claim back for the 3 years i was paying the policy since i had transferred the mortgage, i was told that as this was not just mortgage cover but also life cover and that the cover would still have been valid and i would not be entitled to claim back.

 

I realise i should keep a much closer eye on my account and that i should have cancelled this when i no longer needed it but i assumed that when i paid off the mortgage this would also be cancelled or that i would be notified that i was still paying for it.

 

Any advice would be welcome.

 

Thanks.

[saintly_1]

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