Halifax PPI

[wrinx]

Hi All

 

I'm about to start a claim against the Halifax for a life policy attached to a mortgage but am confused by the addresses posted here, could someone confirm which is current please as a quick Google hasn't come up with much.

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

Or, their new owners:

 

DSAR Unit,

Lloyds TSB BANK PLC,

Customer Service Recovery,

Charlton Place,

Andover,

SP10 1RE

 

Many thanks

Edited March 23, 2011 by wrinx

[rebel11]

Hi wr

 

I would send it to:-

 

Customer Services Halifax Bank Trinity Road Halifax HX1 2RG

[wrinx]

Thank you

[wrinx]

Letter went in as planned and the forty days have passed with nothing.

 

What's the best course of action now, write to them with a reminder of their obligation or something else?

 

wrinx

[ims21]

Hi wrinx

 

I guess you sent this recorded or special so you know they got it.

 

I'd do a stiff reminder letter telling them that they and their data controller are in breach of the Data Protection Act and if you do not get all the information you requested within 14 days (or 7 if you really want to) you will reporting the offence to the Information Commissioner and that you reserve the right to issue court proceedings to force compliance which may involve a claim for damages.

 

ims

[wrinx]

14 days Thought it was forty to comply with an access request....anyway, yes I sent it recorded and they cashed the cheque so will draft a letter and get that out...thanks

 

wrinx

[ims21]

14 days Thought it was forty to comply with an access request....anyway, yes I sent it recorded and they cashed the cheque so will draft a letter and get that out...thanks

 

wrinx

 

Hi

 

Yes you're right...40 days or the SAR. They haven't complied and you can, if you wish, just report them and/or sue.

 

However, my personal preference is to fire the shot accross the bows and gove them one last chance. 7 days or 14 whichever you prefer. If you do have to sue then it shows you have tried to be reasonable with them.

 

ims

[wrinx]

Sounds good to me, thanks

 

wrinx

[wrinx]

Second letter sent, but still no response from the Halifax so reported them to the ICO

 

wrinx

[wrinx]

Still nothing from the Halifax. I called them (because the ICO will apparently take months) and was told there had been a mistake and my letter had been filed rather than actioned, which frankly sounds like a cop out:rant: Anyway, SAR fee refunded which is small consolation because that would have been claimed back anyway.

 

The information was supposed to be with me in around five days, it's now been ten and I'm not convinced they'll come through.

 

Without my information from the Halifax information I'm unable to confirm exactly what is supposed to have been agreed to and therefore cannot take them directly to court.

 

Is there anything else I can do, what's my next step...thanks

 

wrinx

[ims21]

Hi

 

If it were me I would now do a formal 7 day lba.

 

You are then free to issue withour further recourse to them

 

Regards

 

ims

[wrinx]

Thanks, I'll give them another week to allow for weekends and then look at the pack.

 

I've just been wondering about interest and have read the PPI wiki and Interest tutorial, but it's not clear about calculating interest for PPIs...simple or compound?

 

wrinx

[ims21]

Hi

 

Initial approach will be for the premiums, the interest on them as contracted on the mortgage plus 8% stat on them too.

 

Unfortunately we can't work out the figure unless and until you get the copy of the agreement and the dates of the payments.

 

Regards

 

ims

[wrinx]

Thanks, slightly more complex than I thought then (I was thinking a straight 8%)...I have a list of payments made and when, but they need confirming by the Halifax as you say.

 

Will report back when I know more...thanks again

 

wrinx

[ims21]

Hi

 

If you know the following, you can work out your claim amount

 

A->The total amount borrowed including the single premium ppi amount

 

B->The amount of the ppi premium

 

C->The dates and amounts of the repayments you have made to date

 

Regards

 

ims

[wrinx]

A - I'm not sure, I have the figure for the amount of Life Cover Benefit (the mortgage loan amount) and cover term (264 months), no idea about the "single premium PPI amount".

B - I know the monthly premium but there's no other figures (hence the SAR).

C - Got those.

 

Sorry if I'm being dense here...

 

wrinx

[ims21]

Hi

 

Sorry...I used the expression ppi through habit.

 

I'd wait for the SAR then and see what turns up there

 

Regards

 

ims

[wrinx]

Will do...thanks for your time

 

wrinx

[wrinx]

OK, it's all arrived today.

 

I'm still not clear from the figures where the "single premium PPI" can be found, is it the insured amount?

 

I can't find a signature sheet for the TMPP, it's mentioned on the mortgage contract I signed but not in terms of specifically agreeing to it, should there be one?

 

I still don't understand why this was taken out or applied to the account because I already have Life Cover elsewhere Surely a mortgage can't be repaid twice...

 

Assuming I have a case, is it better to go to the Ombudsman or Small Claims?

 

wrinx

Edited August 20, 2011 by wrinx

[wrinx]

A quick google shows I don't have a "single payment PPI" so that simplifies things

 

I'll add up the premiums and apply the "standard" 8% to make things simple.

 

Should I write to HSBOS, outlining my case to set the ball rolling?

 

wrinx

[ims21]

Yes

 

write to them as you suggest but make sure you put in details as to why the insurance was inappropriate and mis-sold.

 

This isn't ppi so you won't need a fos questionnaire.

 

ims