Jump to content


style="text-align:center;"> Please note that this topic has not had any new posts for the last 1497 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Has anyone had problems with Halifax losing claims. I have just phoned to make sure that claims sent recorded delivery and signed for on 29th October are being dealt with and have been told they haven't got them . There were 4 seperate claims in the same envelope plus a letter of authority . The person at the other end couldn't put me through to anybody as they were in the Phillipines. So now have to resend and wait anothet 8 weeks

Share this post


Link to post
Share on other sites

What address did you send the claims to?

 

I expect you can find a number in the UK for this, I fail to see how phone jockey in the Phillipines can say the docs have not been recived,my gues this is a stock answer from a script used to cover up the usual Halifax incompetence.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

If you have signed proof from the Royal Mail website that these claims have indeed been received and they have been lost, then you need to make a complaint to their Head Office.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites
Which address is the head office ??

 

It will be the HBOS one now I think.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Didnt need to found mail address for David Nicholson group director of Halifax. Already had a response and is being investigated. !!!!:-)

Share this post


Link to post
Share on other sites

Didnt need to found mail address for David Nicholson group director of Halifax. Already had a response and is being investigated. !!!!

Share this post


Link to post
Share on other sites
Didnt need to found mail address for David Nicholson group director of Halifax. Already had a response and is being investigated. !!!!

 

 

Good!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Really moving fast now had 4 letters today confirming claims will be back dated.

Share this post


Link to post
Share on other sites

Excellent news - please keep us updated :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Phone call last nigh at 8.45pm refused to speak to me as this is a friends claim. A letter of authorisation sent 3 times. Calling me back after 3 pm today we'll see what that brings but obviously dealing with claims fast now so paid off mailing CEO

Share this post


Link to post
Share on other sites

Had a phone call again this morning so all claims moving fast

Share this post


Link to post
Share on other sites

Well this is very unusual. halifax have made 3 seperate phone calls 1 for my friends Mortgage PPi 1 for her 2 loans and 1 for her Credit Card. She has already had a refusal from the Mortgage. I need to read thier response. but she did say it felt like she was being questioned as an accused person should they be doing this .

The credit Card guy spoke to me she had sent a letter of authorisation as she has a lot on her plate at the moment with her husband being ill. He asked some really funny questioned like did she have death in service insurance from her employer. Is this relevant she did have a good sickness package and had already stated that on the form which I faxed over as they had lost it. I just wondered if anyone else has had this experience with Halifax ??.

Share this post


Link to post
Share on other sites

Well they upheld the 2 loan claims but have refused the Mortgage and Credit Card Claim . Will look at the letters tomorrow as been away . Seems odd loans agreed as ppi was sold in the same branch. The credit Card was by phone . so will needto go to Ombudsman I think

Share this post


Link to post
Share on other sites

Sounds as though Halifax are testing their luck. I suggest you take the other 2 claims, the Mortgage and Credit Card claim to the Ombudsman. It is bizarre that they uphold the loans but not the other 2 ! If PPI is mis sold on 2 items, it must have been mis sold on the others as well.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Latest letter from Halifax Credit Card . They couldnt speak to my friend as she had a day off work and that is the only number she gave them so decided that they would refuse the claim for a second time. They did call me but refused to speak to me even though they have authorisation. She has already gone through the third degree with them. Called them back on the Monday with me by her side and couldnt answer why they called. It was the call centre in Phillipines I believe. :???:

Share this post


Link to post
Share on other sites

I would simply start the claim for the FOS.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

FOS Claim for Credit Card Upheld and settled. Had a problem with the Mortgage one so didnt send to FOs (arguing the points they had stated) until 23rd July which I beleived was within the 6 month timescale. I have now had a response saying that RBS are stating that they refuse to look at it as they say I am out of time. Their final response was sent on 11th January but not received until 9th February. I responded on 10 the february 2013 Was so tied up with personal things didnt send of to FOS until 23rd July they are saying 12 days out of time. I am confused as I have had a response to my letter dated 10th February from Halifax so why do they use the original letter as the final response. I have spoken to the FOS. I now have to write another letter and an actual ombudsman has to look again but doesnt hold out much hope. So need to be very careful on this 6 month rule as can be misleading. The final response is from the date of the letter that they say is their final response and not their actual final response ie the last letter received. So RBS are using Financial Regulations as get outs. Hopefully will be able to plead my case . !!!!

Share this post


Link to post
Share on other sites

Sadly this is correct. The minute they mention that it is their final response, then you need to keep an eye on the calendar :(


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Hi Everyone,

 

Been ages since I've been on here.

Yet again I,m helping a friend.

A bit complicated got all the SAR stuff from Halifax and he actually has a mortgage PPI and 4 loans.

 

Ski will deal with the mortgage first.

Spent a few hours going through all the application stuff .

Not really much at all relating to mortgage repayment insurance

only 1 form with crosses on which have been signed.

 

 

At the time he had taken out LIFE AND CONTENTS with Halifax which is fine

and was on the proposal but the only thing which relates to the repayment protection is the form with crosses.

 

The loan ones are all typed forms again with the ppi added.

I looked at the handwritten interview sheet which has nothing about ppi on his previous mortgage he had nothing.

He has a sickness package at work and now 17 years later he is still there.

 

Sorry this is a bit long winded but he is now divorced but the cover was only in his name.

Another factor is that I know Halifax are hard nuts to crack and do phone people,

although he is adamant he didn't need this and the mortgage ended in 2010 .

 

In 2011 he had a brain had brain surgery which has left him with a stutter and difficulty in speaking..

Will just sending a booklet be enough for Halifax to refuse his claim.

 

This guy really needs my help he is now left on part time and disabled .

Edited by maroondevo52
formatting

Share this post


Link to post
Share on other sites

could be a tidy sum if the loans are a refinance chsin.

 

 

see link 1 below

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi dx

Hope you,re well. Yes it will

 

 

I feel more confident about the loans which were all consolidated.

 

 

It's the mortgage I've never claimed before on a mortgage repayment. It's also the seperate form which has the cross .

 

 

We all know that these people just put forms in front of us and say sign where the crosses are .

The thing is everything else was joint but not the repayment and this was in 1998 .

 

 

Should I put something on the form or claim letter to stop them phoning him and why or just leave it .

 

 

If anyone could do with the money this guy could illness has caused divorce loss of of his home.

It's odd because he is one of these people who got a cheque from Halifax saying they made an error in one of his products.

 

 

this will be a lot

 

 

he paid 22.77 up to 2001 and the added to his mortgage and it increased to 27. Up to 2010 . GONNA NEED HELP.

Share this post


Link to post
Share on other sites

Hi

 

 

been going through about a foot high mound of paperqork delivered by DHL .

 

 

In March 1998 he went into Halifax for a new mortgage .

He already had an endowment mortgage with TSB but want to change and generate some capital.

 

 

I have copies of so many forms all dated the same day with x on for signature must be a good 8 .

 

 

Amongst these are Life Insurance ,

Contents Insurance and

Mortgage repayments Insurance.

 

 

There is nothing which shows advice given can he claim for the Repayments .

 

 

He had full pay at work when he was off sick and doesnt remember being explained anything.

 

 

Could this be TMP .

Share this post


Link to post
Share on other sites

Just going through my friends paperwork on Halifax loans.

Pretty straightforward.

 

 

I am just a bit concerned with the following :

Headed up .

Repayment quotation for a branch request.

Obviously a settlement figure for previous loan.

Total Payable without refund £9023.66

Refund of insurance £933.78 Cr

Total payable with refund 8089.88 (Amount paid into bank account)

 

Figure to be used to repay account

 

INT2 78.09

NIB 933.78CR

PRIN 8945.57

Total Due 8089.88

 

Premium Amount to be posted to E/00032**(426.94

Commission amount to be posted to E/00050****(506.84

 

Its the following message which bothers me.

Due Date

DO NOT ISSUE THIS PRiNTED RESPONSE TO THE PUBLIC.

 

£933.78 was I believe refunded unfortunately s copy of the loan account has not been sent in the SAR.

It just shows that the Commission is quite high on these PPI policies

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...