Letter from Halifax

[john]

Have received a letter from the Halifax

 

 

re: "the concerns about the suitability of the policy",

much to my surprise as I had no idea I had ever had any PPI

(as I keep telling the frequent annoying callers).

It appears I did!!!

 

After ringing them today it relates to a loan taken out in 2005.

I was told to send in the questionaire.

It takes me all my time to remember what I did last week, let alone nearly 10 yrs ago,

so how much detail/accuracy do they need?

 

At the time I was employed and got full pay if sick.

 

I have been disabled since the 80's and have had cancer so always refused ppi

as I could never have claimed it.

 

I have no idea under what circumstances I would ever have been persuaded to take it,

 

its a mystery to me.

[dx100uk]

perfect mis-sale then.

 

i'd use the FOS CQ mind not theirs.

 

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

 

if you have no info

 

it might be an idea to send them an SAR too

 

as you'll never be able to check they have refunded you properly

without say all the statements.

 

dx

[john]

Thanks for the advice. Should I sar them at the same time as I return the questionnaire as it says theres a time limit to return it?

[citizenB]

If there is a time limit, then yes send the form back with as much information as you have and send the SAR as well. The SAR should be sent to their Head/Registered office and IMHO, I would send via recorded delivery. They have 40 calendar days to comply.

 

At least you will hten be able to confirm if any redress is correct.

[john]

Thanks. Sorry for all the questions but I have just been looking at the SAR template and notice it says ALL data held on every account. I had my first mortgage with them at 21 and have had numerous loans, accounts, further advances, over a 35 yr period. Will they send me all this or should I change it to ask just for this loan account?

[citizenB]

You can specifically request that one account - you would need to amend the template letter of course

 

Whilst I can understand why you wouldnt want so much data being provided - sometimes it is an excellent source of information as to previous behaviour by the bank. You might even discover that PPI was applied to other loans as well

[john]

Yes, thats a point!!! Lets hope the postman is a weight lifter then lol. Thanks

[hillards]

My HX SAR, a few years ago now, was in 21 big envelopes... !

[john]

Could I just double check that the SAR goes to this address, please? Halifax plc, Trinity Road, Halifax HX1 2RG

[hillards]

Could I just double check that the SAR goes to this address, please? Halifax plc, Trinity Road, Halifax HX1 2RG

I just received a big envelope from

DSAR

PO Box 791

Leeds

LS1 9LR

[john]

Thanks, So you think I should send it to that address instead?

[hillards]

Thanks, So you think I should send it to that address instead?

 

I just checked back - I actually posted mine to

Halifax PLC

PO Box 814

Leeds

LS1 9NW

 

The package that arrived today has the DSAR team address on, so should be OK

 

There is also a phone number, if you want to ask them - 01264 346054 - comes back as Andover, Hampshire

[hillards]

I just checked back - I actually posted mine to

Halifax PLC

PO Box 814

Leeds

LS1 9NW

 

The package that arrived today has the DSAR team address on, so should be OK

 

There is also a phone number, if you want to ask them - 01264 346054 - comes back as Andover, Hampshire

 

[EDIT: Package was sent from Lloyds Banking Group in Andover ]

[john]

Cheers

[john]

Just received about 5 reams of paperwork from Halifax!!!! Just under half is mortgage related, its all divided with elastic bands which helps but I've no idea what I'm looking for. Can anyone give me any tips on how to tackle this please? Thanks

[dx100uk]

find the 2005 loan agreement

 

and its statements

 

then see link 1 below.

 

dx