Halifax ppi and mortgage

[kelly from leicester]

HI new to this site, so hello everyone!

My husband and I took out a mortgage with the halifax in november 1994 for £42,515.

 

With this was added asu for both of us,

 

my husband was self employed and I was just about to start maternity leave.

 

Also we think building and contents along with other indemnity insurances were also added.

 

This was all added in with the mortgage and interest was added each year

 

so much so that when we had enough of the halifax and moved in march 2002

we still owed £42,510.35 was the final settlement figure.

 

When we spoke to the staff at halifax on the day of closing our account

the man looked at our account and said he thought that the halifax had a case to answer over the way the account had been set up and ran.

 

this mortgage was a repayment type.

 

I have asked for a sar request and have uploaded my first couple and last statements to see if you can help.

 

THANKS KELLY.

[dx100uk]

the ONLY thing you must have is buildings insurance

unless you had it elsewhere already

 

the rest can be reclaimed

 

pers i'd lump it all into one and call it ins premium

 

you need to workout what that cost PERMONTH you paid the full balance on.

 

then use the FOSCISHEET if ADDITIONAL monthly intrest was added

 

or

 

the STATINT sheet if no additional monthly interest was added.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

dx

[kelly from leicester]

thanks i sit and work out the refunds over the weekend

[kelly from leicester]

Hi

All been waiting for halifax to come back to us with a reply and got this letter today.

 

could some one please have a look and let us no whether this is a standard reply that is sent out as i have read through the letter

and i think we are being fob off with a long winded letter, as my husband was self employed at time ppi was taken out

and i was going on maternity leave and wasn't going back to work after this time.

 

With regards to my husband i thought ppi was not suitable for the self employed,

and as for me how can ppi work when one is on maternity leave and not planning on going back to work after that time.

[dx100uk]

you should have solely put on the questionaire that you were told

in a closed room that you must have them.

 

and p'haps asked here first if you letter was ok.

 

however,

 

her letter is MERE SPECULATION

that the correct process took place

SHE WAS NOT THERE

 

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

 

and the FSA stuff in the stickies here

 

dx

[kelly from leicester]

there reply was and is pure speculation as we never went into the halifax and evey think was done by phone call and post.I shall look at other posts and write a letter back but post on here first to see what you guys think first if thats ok??.

[dx100uk]

yes in hindsight you should have done that before.

 

dx

[kelly from leicester]

HI just finished writing reply, would it be possible if some one could have a look and let us have there thoughts please. thanks in advance.

[dx100uk]

you should have solely put on the questionnaire that you were told

in a closed room that you must have them.

[kelly from leicester]

when we filled in the questionnaire we stated that all correspondence were done by post and we never went into the halifax, so is this as good as a closed room as nothing was explained, we were told to sign and return the forms and the mortgage would be approved.

[dx100uk]

right so the PPI boxes were already ticked

 

dx

[kelly from leicester]

yes they must had been as the forms were sent to us and we were told to sign where the crosses were and return them asap, as we already found the house we wanted and our offer had been accecpted, it was just the mortgage we needed sorted.

[dx100uk]

if there were 'x' on where to sign

that's a clear mis-sale

 

so are the option boxes being pre ticked.

 

have you a copy

 

dx

[kelly from leicester]

unfortunately we binned a lot of stuff when we moved but i go along the lines that we signed where they put the crosses which is true and see what they turn up when they reply to our letter.hopefully they will have a copy or not which could be better.

[dx100uk]

lets hope the SAR returns a copy

 

dx

[kelly from leicester]

We have got our sars back but no copy of ppi forms. What we got is the cancelation form but no original forms which show the ppi policy and our signatures.

[dx100uk]

must be in the statement of needs though or in the statements of account

 

dx

[kelly from leicester]

post one shows statement with ppi details on for both of us and cost of said ppi but no actual signed docs to view in sars which we been sent.

[dx100uk]

is the 40 days up

 

dx

[kelly from leicester]

We sent questionnaire on 23rd feb got letter back on 1st march saying got eight weeks from date we received your complaint which was 27th feb .Got a reply on 20th march with there reply about the ppi claim post number 4 . we now have 28 days to reply with new information or case closed.

[dx100uk]

sar ....

 

when did you send it?

 

dx

[kelly from leicester]

We sent for it on 17th jan they got it on 21st jan and said we would have information by 2nd march.

[dx100uk]

send a failure to comply

you need a copy of the statement of needs and of the mortgage agreement.

 

dx

[kelly from leicester]

ok i get one in the post tomorrow,but what shall i do about reply to there letter as only have about 20 days to reply before case closed.

[dx100uk]

they don't call the shots you do...

 

tell them how the hell can you decide when they don't forward ALL the info

 

tell them what you remember

 

as above.

 

dx