Halifax Mortgage PPI reclaim.

[gpjoinery]

Could someone please tell me if the following points are worth going to the FOS with.

 

I don't want to be wasting their time as I'm sure they've got enough cases to handle.

 

I think I have a case but Halifax have knocked me back twice.

 

I believe I was mis sold in a number of ways.

: I was told that the policy would help my chances of being accepted for a mortgage.

 

: The representative was aware of my partner’s income which was not considered as part of the mortgage application

but should've been considered enough to cover repayments if needed.

 

: Other income I received included Tax Credits and Family Allowance;

these were not considered as part of the mortgage application but should have been considered relevant in terms of cover for the mortgage payments if needed.

 

:I was told that the policy would be payable over the term of the mortgage,

the first part of which was 5 years fixed and

I was not made aware of my right to cancel within 14 days or at any time over that 5 year period.

 

: I was specifically told that the policy would allow me to take a payment holiday at any time should I experience financial difficulties.

THIS WAS A LIE. It turned out to be part of the mortgage terms and was down to the discretion of the bank which we only found out after being refused twice.

 

: The previous point is particularly relevant as my Husband left work to go into full time education

believing that we were covered by the PPI if my job was in threat or I suffered illness.

 

: Whilst my Husband was in college I had to have surgery which left me out of work for a significant period of time,

this is the first time we requested a payment holiday and were refused.

 

At no point were we told that PPI was something separate and we should claim through that.

We went through this process again and were declined a second time, again, receiving no further information.

 

It is my belief that I was mis- sold on a number of levels

and the bank are yet to give reasonable explanation for the above points,

only saying that they believe I wasn’t mis-sold.

[dx100uk]

own thread created.

 

I think it would be best to scan up their fob off letters please

 

**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