PPI Reclaiming Process - halifax card & Loans

[paulh_85]

Hi.

Just wondering if the SAR template on the sticky section is still useable (as it was written in 2007)

 

i have a Credit Card with Halifax which to be honest ive only just realised the extent of the PPI im paying

 

i have also held two loans with Halifax previously which are now both closed.

 

So would i be best to write to them asking for an SAR first?

 

or using one of the PPI templates (along with the questionaire) first?

 

Many thanks.

[ims21]

Hi

 

I personally would use the full SAR template in the CAG library here....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request(1-Viewing)-nbsp

 

When you have all of the data available you can then work out what you may be due back.

 

The process to reclaim is to complete a fos questionnaire and submit it to the lender with a brief covering letter. They will then have 8 weeks to investigate and give you a final decision.

 

While there is no requirement to send a spreadsheet of claim with the complaint letter, it won't hurt to do so.

 

Preparing your own figures will help you to establish whether any offer the lender makes is correct or whether they are pulling the wool over your eyes still.

[paulh_85]

i've now got my template letter that im happy with, had to ring halifax to ask about the addess as i wanted the letter to get to the specific place it needed to.

 

if there is anyone else who has dealt with Halifax in the matter, can you please confirm that HBOS, DSAR POBOX 791 Leeds, LS1 9LR.

 

Also, the lady on the phone stated that the money HAD to be sent by check, not a postal order or other method, not being about able to find my cheque book i was hoping this isnt true, can anyone help?

 

 

I apologise for all the questions, i admit to being completely clueless on all matters relating to debt and will be relient on the knowledge of the people on here for a while i think

 

Many thanks again.

 

Paul

[ims21]

Personally I always send a SAR to the Registered Office and by some trackable method so that you know when they get it.

 

Postal Orders should be fine...they are legitimate tender. Don't know why you were told it HAD to be by cheque.

[ims21]

Responding to your PM.

 

Have a look here....post #3 which I think is still appropriate.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?106783-Halifax-amp-Bank-of-Scotland-contact-details

[paulh_85]

ok, so to stop myself getting into any more issues, i tried ringing Halifax to get the Repayment cover to stop immediately, the rather rude woman was more interested in telling me i needed to make a payment as my account was incurring charges (for going over the credit limit) asking me if i was in financial trouble, she then told me i was going to get a lot of calls and letters if i didnt make a payment right there and then.

 

then she gave me a number for the repayment cover that doesnt exist, i asked to be put through directly but she said they were closed.

 

Found a number on the Halifax website (says they are open to 10) but didnt have any answer after 10 minutes of constant ringing.

 

the Repayment cover is approx 25 quid this month and part of the issue with me being over the limit, want to get that taken off straight away while im trying to tackle it.

[ims21]

It is highly unlikely that you will get anywhere on the phone with these companies.

 

You need to write and insist that the cover is cancelled immediately.

[hillards]

Agree with that - always put everything in writing, so nobody can say something different in the future. If you are told you cannot send a postal order then you want that in writing too, as it's clearly incorrect and needs complaining about to their head office. Same with stopping the policy, write to them.

 

I am also in the process of reclaiming PPI from the Halifax and the address I have been using is Halifax PPI Team, PO Box 814, Leeds, LS1 9NW

 

My original SAR was sent to the Halifax head office in Halifax. Halifax plc, Trinity Road, Halifax HX1 2RG

[paulh_85]

bit of an update,

 

 

i finally got through on the phone (before reading the above posts) and cancelled the repayment cover on the credit card,

though im thinking of also including a second letter with the SAR re-iterating this.

 

 

While on the phone, the woman asked me straight away if i was going to be looking to reclaiming this money,

and gave me a phone number that deals directly with PPI from Credit Cards (0845 725 3519)

 

 

As i've also had two loans from Halifax where i am unsure about PPI,

 

 

i dont really know whether to persure the credit card directly,

or will i be able to make 1 general case for the credit card and two loans once in possession of the SAR?

Edited May 29, 2014 by paulh_85

[hillards]

Although you can get all the details on all account from your SAR I would tend to make separate claims for the credit card and the loans, that way you can keep to one topic in each write-up without confusing the poor souls who deal with the claims.

[hillards]

...gave me a phone number that deals directly with PPI from Credit Cards (0845 725 3519)

Is Halifax Customer Relations, use 01422 326460 or 0207 649 9014 if it's cheaper to call from a mobile.

The information on claiming is given on http://www.halifax.co.uk/contactus/how-to-complain/complain-about-ppi/default.asp

[paulh_85]

hi. thanks for previous responses. Im now filling in my questionaire for the credit card.

 

 

As i wasnt even aware i had the repayment cover on the card, so as far as im aware it wouldnt have been properly explained to me at the time.

 

 

Problem i have is it was almost 8 years ago that i took the credit card out,

so specific details about when i initially took the card are fuzzy.

 

 

Just wondering if anyone could advice as the best thing to put down on the form .

 

 

Thanks.

[ims21]

You tell the truth in that you can't remember exactly when the card was taken but it was around about xxxx date.

[paulh_85]

hi. I remember the date i took the card, however i cant recall being sold the PPI on the card, which i only recently noticed i had. the question "why did you decide to take PPI" well, in honestly i dont remember deciding to take it at all.

[ims21]

In that case you pt that you did not decide to take it which effectively means that it was put on there without your knowledge.

 

Do any of the papers in the SAR give any clues as to how this might have been taken out?

[paulh_85]

i does show that i had signed for it yes, but i have no recollection of knowing what i had signed up for. to the point where, when ppi claims were first being investigated, i was convinced i didnt have any on the card because i wanted it. though it turns out i did have it on this one card

[ims21]

In which case you use a combination of the above and the fact that you did not know what it was you were signing up for i.e. it was not explained to you.