Halifax Mortgage TMPP ? unaware had it! unitil NOW!

[lady21]

Hi any advice appreciated.

 

I took out a Mortgage with the Halifax in 2006.

 

It wasn't until recently and numerous calls from different companies asking if I had PPI on anything,

that I decided to call the halifax to ask if I had PPI they seemed to be unsure?

 

but put me through to ppi complaints department who have just sent me a personal payment protection questionnaire.

 

Ive received the questionnaire and then decided to trace my original mortgage paperwork to enable me better in answering the questions.

 

This is where Ive become totally confused.

 

Ive found some documents saying:

Thank you for choosing Halifax Total Mortgage Protection Plan.

Covering Mortgage repayments, critical illness cover and life cover.

 

It states monthly payment during the first payments of the plan £137.06? I do not pay this seperately, in fact I don't even remember paying it?

 

Then reading further it says please note 3 payments will be taken on the requested date in the month after completion.

or in the instance date is equal to the start date 2 payments will be taken.

 

Also says if you have applied for a plan in connection with a new halifax mortgage for a property to be used as your main residence

this cover will come into force automatically on completion of mortgage.

 

This being my first, current and only mortgage, which Ive never really understood just due to being naive in this situation.

 

I need help from where to go from here please,

if I have it then which type of statement do I write is it acceptable to say I wasn't aware I had it?

 

seeing as I have now found paperwork to back up I possibly did?

although I'm pretty sure I was never given an option?

 

Also, there has been a period throughout my mortgage where myself and husband had suffered no work

and never claimed anything as didnt know this could have been an option and they never informed me at the time either?

 

I'm very confused anyone able to help?

[t18con]

if you have your mortgages statements, have they just lumped those fees onto your mortgage, making it into front loaded PPI? some of the more knowledgeable people will be along soon to answer....

[dx100uk]

id use the FOS questionnaire

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

do you have all you mortgage statements>

 

 

that might make things clearer

..

[lady21]

I keep most of my mortgage statements I have found the very first statement I got which states only the home insurance I took out with them the first year.

 

No other part on the statements mention TMPP? so I'm not sure if this means I haven't got it?

[dx100uk]

ok

 

can you scan up what you think indicates you have?

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx