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halifax rejects my mortgage ppi claim


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I took out a ppi policy IN 2005 at the same time i applied for a mortgage advance - as it was implied that i would stand more chance of qualifying for the loan if i did. Considering the advance was for consolidating debts, I obviously did not take much pursuading.

 

At the time I was effectively self employed due to working through an umberella composite company in the construction industry

I cancelled the policy about 15 months into it after finding out that my temporary employment contract would not be covered

 

I therefore asked the halifax to accept the miselling claim on the grounds that it was sold to me, "in my opinion", as a condition of the loan being granted and also the policy was not suitable due to my temporary work contract and finally it was a halifax policy and at no point did their financial advisor offer any alternative.

 

I have already learned the FOS is a waste of time so I am thinking of going to a small claims court.

 

Any advice would be appreciated

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On what basis have Halifax rejected your claim ?

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