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Halifax Refuse Credit Card PPI Claim Help

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Hi All,

 

Some time ago we wrote to the Halifax in relation to PPI claim on the old credit card, after waiting and waiting they jave now confirmed in writing yep tehy refuse to comply stating lots of rules. I have scaned and attached the letter sent from the Halifax can anyone please help as it looks like the letter is standard refuse letter.

 

 

Can anyone take a look at the letters, and what should we do now

 

cheers

Edited by rippedoff15

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If it were me I would challenge their findings.

 

For example, they say that you did not have any other means to pay the account. That is irrelevant and how do they know? If they are suggesting that you need a vehicle to repay and have no other means then by implication they are using that as a lever to force you into their PPI.

 

Also the business about they know what the sales process was etc is speculation. Where is the evidence of that sales meeting?

 

And so on throughout each of their points.

 

Have a read of Appendix 3 of the FSA handbook....there is plenty of information there to help you with the challenge.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?305682-FSA-Handbook

Edited by ims21

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total speculation

 

and 99% a templated reply

 

dx


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Shock Horror , the Halifax have now refused another claim relating to PPI on a loan, and yep the letter they sent relating to the loan is 100% the same letter as they sent last week for the credit card. What should we do now regarding both claims. Anyone got any feedback

 

cheers

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Shock Horror , the Halifax have now refused another claim relating to PPI on a loan, and yep the letter they sent relating to the loan is 100% the same letter as they sent last week for the credit card. What should we do now regarding both claims. Anyone got any feedback

 

cheers

 

Erm.....as in post #2?


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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Well just had a letter from the halifax, stating they are repaying our claim of £6k, within 28days. Great news

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Well had my ppi chq, banked todate also sent a ppi claim regarding the old halifax mortgage. The halifax have confirmed in writing that i did have ppi which is news to me as i never thought we had it. However they have refused my ppi claiming. I will post copy pdf reply which we had from the bank

 

What action should i take now can anyone help.

 

Cheers

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What were their reasons for not upholding the complaint?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Well here are the letters which we have been sent, can anyone help in relation to the replies from the bank.

 

Any help regard the letters would be great as iam sure sure what we should do now

 

cheers

Edited by rippedoff15

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ok so they are all simple fob off letters

that the process was correct

in otherwords 'mere speculation'

 

me thinks in the close room you were told they were compulsory by the advisor

because in doing so the advisor would make a very healthy commission out of you.

 

as for the 'life ins etc' not being a part of PPI.

 

clever bloke, we know that,

 

it was still missold exactly as above

start a sep mis-selling complaint if necessary

 

though may companies have coughed with them in one package under a PPI reclaim.

 

there is a good thread here that might help too...

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=ppi+success#post4120422

 

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 

 

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many Many thanks for sorting oout the Doc`s, now lots of reading up regarding this matter, going to be busy in the morning

 

Once again many thanks dx100uk

 

cheers

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Just spent hours reading the paperwork,

 

the bank confirm the i did in fact have PPI cover relating to the mortgage which was news to me as at the time

i had been working for the same large company for 18 years,

 

also they stae i also had TMPP total mortgage protection plan again news to me never heard of that policy.

 

so where do we go now

 

can anyone help as we are totatlly unsure

when reading the bank letters see above Doc`s

 

 

cheers

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adapt the letter in that lloyds link i sent you post 11

 

as for the life ins

 

complain it was mis-sold in a sep complaint now

 

question why they are trteating it as seprate when most mortgage companies

refund mis-sold insurance with a PPI reclaim

 

tell him he is being obsstructive & fobbing you off with mere speculation thatthe correct process

took place.

 

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 

 

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the FSA guidelines in the stickies of the PPI forum will help too

 

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 

 

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I have just spoken to the Halifax regarding the letters they sent refusing the PPI claim,

they are going to look again at both issues the PPI & the TMPP policy.

 

i have stated when we took out the mortgage i was in full time employment ie from 1984 until 2003

so we would have not taken out any such insurances as i was on full wages if sick ( never been off )

also we have had private life cover as well so would have not taken out the TMPP.

 

They confirm they will look at the complaint again however if they refuse again can we still taken action via the FOS

 

They were very helpful taking down all the information relating to employment at the time any other life policy etc etc ,

fingers crossed they uphold the complaints, or should we send to the FOS now as well or wait for the Halifax to reply ???????

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you should await their final response

 

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 

 

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More waiting, hope they reconsider after i have pointed out my long term employment and that we had life cover already, she type all the information to put forwrad the have the file reviewed thats hope they uphold the complaint

 

Will keep updated when they reply

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They will try and keep you waiting. That is their game. You must press them. Keep at them. Send information to the FOS and FSA see this link and use it

http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm

 

This is old but still relevant:

 

http://www.covermagazine.co.uk/cover/news/2151314/fsa-demands-firms-185-rejected-ppi-complaints

 

If they still refuse to accept liability for mis selling, take the matter further. Do not back down on the information they give. PPI was mis sold. FULL STOP. Fight on and you will prevail :-)


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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I have spoken to halifax all they said the claim us under review. We have now sent the details to FOS, do we have to inform the halifax tjat we have requested the FOS to sort it out.

 

Or wait to hear from FOS ??

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You are under no obligation to inform the lender of fos involvement.

 

I would wait to see what response you get from fos now.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well had a letter today, confirming the FOS have now had the file and will process the claim, again they state no timescale ?

 

The Halifax have confirmed we had PPI but refused our claim, however being self employed at that time so would have not asked for PPI.

 

We are hoping the FOS uphold our claim soon fingers crossed. Once the FOS have the file has anyone had a guide timescale on completion. Or can the bank still refuse to pay or now the FOS are involved will they settle early ?

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Timescales are an unknown quantity with fos so it may just be a waiting game with them.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well so far the FOS have confirmed that our PPI complaint has now been registered, but they also state due to the large number of claims they are dealing with they can not give any timescales in dealing with our complaint. The Halifax confirmed we had PPI cover and just sent a letter refusing our claim, So its now a waiting game just hope it soon. Has anyone had dealing with the FOS relating to PPI claims.

 

Cheers

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There are plenty of threads in the PPI forum where people have gone to fos.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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