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Halifax Loan PPI


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Hi,

I have received a letter from Halifax in the post for a loan i took out just about 6 years ago.

 

It is a form to fill about Payment Protection Insurance.

 

I remember taking the loan out on the internet,

but obviously I can't remember ticking a box for PPI or an explanation about why I need to take it out.

 

The fact that they have sent me a letter suggests I may have a case to reclaim this money.

 

Can anyone advise on what grounds I would have to claim this back?

 

I have filled on some of the forms, and have my document checklist of CCA,

Policy Booklet and Demands and Needs Statement.

 

I was part-time when I took the loan out and I still am.

 

The questions I am not sure what to answer with are:-

Why did you decide to take out a PPI Policy?

Why are you unhappy with your policy?

What information were you given before you took out the insurance?

Can anyone guide me as to what type of answers i am looking for?

 

Any help would be greatly appreciated as this is a great forum,

sometimes there is too much information to take in!

Thanks

Jane

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if you don't remember then just say so.

 

if you did not know you have PPI

then that suggests the site automatically approved you for it by a default tick box?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Thanks for this, i have one last query and that is what reasoning would i give for being unhappy with the policy, or do i not need to fill this in?

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if you have no info

like the agreement

 

poss send them an SAR to get the info?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In terms of working part-time, if you were working an average of less than 16 hours per week - this would be very relevant as it would mean that you were never eligible to take out the insurance and could never have made a claim

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  • 1 month later...

regarding what please where are you upto with the reclaiming process

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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