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Misold PPI


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Hi Everyone

I read your great site all the time it's brillant, my first time posting so please forgive if its in the wrong place. My question is this, I have my current account: which has cost me £100's in late and overdraft fees, my mortgage, an unsured personal loan and I had a credit card with Halifax, I also have my current account with them. I am not sure if I have PPI on the loan, I think I was mis sold mortgage protection, the mortgage advisor told me I had to take it out to get the mortgage.

I am afraid to claim or make an inquiry incase they might do something like close my current account or scrap to my mortgage!

Any advice would be very welcome.

Thank you again for your great site, when I can afford it I will make a donation!

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they are not allowed to take any rewtalitory action

 

go get reclaiming

 

see the FOS website http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Quick update.

I have sent off the fos questionnaire for all my mis sold ppi. I had the policy and account numbers and date etc. However I did not write a cover letter just sent the questionaire. I got a reply for the total mortgage protection stating they would investigate in the next 16 weeks.

My total mortgage protection life cover states I am not a smoker and that there is no heart conditions on my immediate famly, both these statements are false, I was never asked these questions, the mortgage advisor told me I had to take out lift and unemployment cover, surely this a case of mis selling. Will wait for a response again and in the meantime send a SAR to Halifax? i have sent back other ppi's on a personal loan and home insurance which I was told I had to take call out emergency cover.

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yep go get 'em

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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