Halifax Lost claims

[anney63]

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

[BRIGADIER2JCS]

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.

[citizenB]

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.

[anney63]

Which address is the head office ??

[BRIGADIER2JCS]

Which address is the head office ??

 

It will be the HBOS one now I think.

[anney63]

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

[anney63]

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

[BRIGADIER2JCS]

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

 

 

Good!!

[anney63]

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

[citizenB]

Excellent news - please keep us updated

[anney63]

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

[anney63]

http://www.ceoemail.com/index.php

 

This is such a useful site for CEO mail addresses

[anney63]

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

[anney63]

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 ??.

[anney63]

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

[citizenB]

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.

[anney63]

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.

[citizenB]

I would simply start the claim for the FOS.

[anney63]

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 . !!!!

[citizenB]

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

[anney63]

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 June 13, 2015 by maroondevo52
formatting

[dx100uk]

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

 

 

see link 1 below

 

 

dx

[anney63]

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.

[anney63]

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 .

[anney63]

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