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then it was mis-sold

 

if you take HFC foe example

 

to their PPI they refund the lot.

 

were these differing policies on the one mortgage but with differing companies?

 

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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then it was mis-sold

 

if you take HFC foe example

 

to their PPI they refund the lot.

 

were these differing policies on the one mortgage but with differing companies?

 

dx

 

Mortgage with A+L, PPI with what was Capital bank ( now HBOS ) critical illness and income protection with Friends provident, all linked to the same mortgage. HFC FOE,can you elaborate a bit more please ????

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HFC for example sri

 

when you reclaim PPI they refund ALL the insurances.

 

seems like you got well stitiched up.

 

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

Just spoke to the financial services compensation scheme and they don't cover ppi from before 2005:-x

 

Looks like I need to approach the broker direct, I think they are still trading, anyone ever succeded when complaining to a broker direct??????????

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Just spoke to the financial services compensation scheme and they don't cover ppi from before 2005:-x

 

Looks like I need to approach the broker direct, I think they are still trading, anyone ever succeded when complaining to a broker direct??????????

 

And to make it even more entertaining the broker liquidated last year :(

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"Just spoke to the financial services compensation scheme and they don't cover PPI from before 2005"

 

Is that with someone at Halifax? They will always try and wriggle out of early PPI payments because the 8% simple interest basically doubles the refund from those years.

 

You will have to contact each and every entity involved in order to get their "final response" letter. This is needed if you wish to make a complaint to the Financial Ombudsman or to take them to the small claims court. You'll need to send SAR's to get a list of all payments made in order to determine the total amount due, and tell if they are making a fair offer or not.

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"Just spoke to the financial services compensation scheme and they don't cover PPI from before 2005"

 

Is that with someone at Halifax? They will always try and wriggle out of early PPI payments because the 8% simple interest basically doubles the refund from those years.

 

You will have to contact each and every entity involved in order to get their "final response" letter. This is needed if you wish to make a complaint to the Financial Ombudsman or to take them to the small claims court. You'll need to send SAR's to get a list of all payments made in order to determine the total amount due, and tell if they are making a fair offer or not.

 

Halifax see it as they didn't sell it so couldn't have mis sold it, their response was final. I only came across the policy as a result of an SAR but know the exact start date of the policy and what paid for the last 12 years, £15.17 every month

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  • 4 years later...

A recent sift of paper work has shown we have been paying £17 a month for Mortgage care insurance via Halifax for 15 yrs,

whilst young and stupid we ended up with a load of daft stuff like this when getting our first mortgage via a broker , since liquidated,

he must of had a Caribbean holiday with all the commissions.

 

On looking further the insurance doesn't even pay the mortgage unless you have been ill/unemployed for a year, how great is that !!

 

Any likelihood of getting this back ?

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yes why not

 

have you all the paperwork still?

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

I've got the original signed agreement from when it started but nothing else, according to the better half we tried this a while ago and they said as they hadn't done the selling it was bugger all to do with them, Broker has gone bust years ago so any pointers on making Halifax cough up , unsuitable for our needs doesn't even half cover it

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or the FSCS

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
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