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I need help regarding a Halifax Loan in 2005 with PPI please.


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Hi,

 

I had a £20k loan with the Halifax.

 

I took out the loan in June 2004,

It must have been when I remortgaged from the Abbey and had the£ 20k as a seperate loan.

 

I came across this fantastic site by chance,

and after scrolling through different threads,

decided to call Halifax to see if there was any PPI on the loan.

 

Incidently, I paid off the loan in full in December 2005.

 

They were quite helpful on the phone, and informed me that there was indeed PPI linked to the loan.

 

Within a week, I have recieved a letter saying they are sorry to hear of my complaint, and are " gathering information and documentation relevant to my complaint ".

 

They have requested I fill in a F.O.S. designed Questionnaire. They say they need as much information as possible to assess my complaint.

 

The questionnaire asks lots of awkward questions which I am not sure I know the answers to.

 

For instance:

I can't remember what job I was doing.

Whether I was self-employed or not.

What I used the money for, dates of when I took out the Insurance, who sold it to me, etc, etc.

 

I called Halifax today to request some basic information.

 

I wanted to know the start / finish dates of the loan.

What the payments were.

What PPI premiums I paid.

They said they hold no records over six years other than the start / finish dates.

I borrowed 20k in June 2004.

Paid the settlement figure of £19896 in December 2005.

 

I would like help on the following please:

 

1. Do I have to fill in this questionnaire? I don't want to jeopardise my claim by putting incorrect info.

2. I think I may have been self-employed, will this affect my claim?

3. Does my Wife being employed be detrimental to my claim?

4. What PPI would I have paid on the loan? Estimate would suffice please.

5. What can I claim back and how?

 

Thanks to this site and its fantastically knowledgeable members,

I have started the balls rolling on lots of other sharks. Barclaycard, Abbey, Halifax Credit Cards. Abbey Loan, Studio, Littlewoods, Gus, Arrow Global, and a big pain at this moment, Gmac and/or Paratus.

 

Many thanks in advance for your help guys.

 

Really hope you can help.

 

Vaz.

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send an SAR to halifax

 

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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Thanks dx. I have sent them SAR for my Credit Card, but not the loan. Will the information I require be included in my request? They have cashed the £10 cheque I sent them last Monday.

Regards

Vaz.

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its on the person not the accounts

 

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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Share on other sites

Thanks dx,

please forgive me for being a liitle wet behind the ears on this great site.

 

Am I correct in assuming the information I require about the ppi on the loan will be contained in all the information they hold about my financial relationship with Halifax?

 

This info will of course be forwarded to me within 40 days?

 

Regards

 

Vaz.

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hopefully

 

cant see how they can tell you about it without holding info

 

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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wait the sar?

 

then you'll know more?

 

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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  • 2 weeks later...
Rejection letter sent without actually recieving details of complaint.

 

Is that right?

 

Vaz

 

No, seems like they have sent out lots of these today!

 

Keep hold of that letter.

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