PPI on Halifax Credit card

[JohnB_2007]

Hi all,

 

A few weeks ago I received a letter from Halifax telling me they believed they MAY have mis sold me PPI on my credit card because I am self employed and I would not of been eligible.

 

My first reaction was to think it was a [problem] mail, as I do not have PPI so I rang the bank directly (ignoring the telephone number on the letter) to verify the letter who advised me they would never send letters out inviting me to claim and it was indeed a [problem] and to disregard the letter.

 

I then noticed that the pre paid envelope enclosed was addressed to the banks address in Leeds where I have sent them letters before so I googled the address and the address matched exactly the address the bank use.

 

So I called again and directly asked the question do I have PPI. They advised me I do not and have never had it. They then transferred me to another department who advised me I do have PPI. I was pretty shocked as nowhere on any of my statements does it even mention anything about PPI.

 

I made another call to the banks main number and again asked but they said I don't have PPI.

 

Anyway, I filled in the claim form, only adding my name, address, account number and ticking the box that I am self employed. I left the rest of the form blank.

 

I have now received compensation for being missold PPI (only 400 quid) but what is really bugging me is the bank say I don't have PPI while the PPI department says I do.

 

I askd for it to be cancelled only to be told I don't have it to cancel. I honestly don't know who to believe.

 

Has anyone else experienced this?

[hillards]

I had a similar letter and sent the questionnaire back, I'm waiting to hear from them at present. I also did a SAR and that shows that I did have PPI, copy statements confirmed the repayment cover was being taken, yet the box for 'Credit Card Repayments Cover' was not ticked ! Neither was 'Card Care', yet that was taken as well...

 

I'm waiting to hear their excuses. In the meantime I've compile a list of charges they made and am sending that to them for repayment...

[dx100uk]

time to send an SAR off

 

lets see the truth

 

dx

[JohnB_2007]

Thanks for your replies.

 

I have spent an hour on the phone this morning trying to find out more information about when I had PPI. I have finally been given the dates of 5/2/07 to 16/5/08.

 

In the letter regarding my refund it mentions my current balance now and the difference if I did not have PPI. I am not 100% sure but are they using recent statement data to guess what I am owed? I don't have debt with them now and the balance is paid off in full every month but back in the early days I racked up quite a lot of debt with them.

 

I asked them to send me copies of my statements from 07 and 08. They want to charge 70 quid!!

 

I told them not to bother and will file a SAR.

 

So does anyone else know how they work out what you are owed? Is it based on actual data or do they just guess to save time?

 

Thank you.

[hillards]

First rule of CAG - do not discuss these matters on the phone. They may say something and then deny it later. Everything in writing is the safest way, they can't deny it if you have it in black and white.

 

It's not a guess, they have to work to a formula and should give you a breakdown of the figures they used and arrived at. The links in post #3 above from dx100uk take you to explanations and spreadsheets you can use to work it out yourself.

 

With any claim, it's usually worthwhile doing a SAR at the start so you have copies of the same data they will be using. Much cheaper than asking for copy statements.