Halifax PPI and Package Account Fees reclaiming for dad **WON BOTH**

[dx100uk]

national debt line

 

 

however the above is ok

 

 

dx

[Ftgab19]

Are ok then xd,

 

And I just changed the SAR letter to fit what was needed to be said.

 

Is there anything you would change or should I just have my mum sign it and send it recorded delivery.

 

Thanks

Andrew

[dx100uk]

sign and away

 

 

should be ok

 

 

dx

[Ftgab19]

Ok sored, I'll send it off tomorrow. I'm going to upload my draft covering letter I'll be using and having a look at the information my dad has and start filling out the spreed sheets.

 

Andrew

 

sign and away

 

 

should be ok

 

 

dx

[Ftgab19]

Hi all again, just a quick update and question.

 

I've now sent off the letter of authorization 1st class recorded delivery.

 

 

now for the question,

 

 

is the letter below ok for my covering letter for the repayment mortgage claim I'm doing for my dad and mum.

 

Or should I claim the mortgage and two loans all in one letter?

 

Letter:

 

Headquarters

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

 

Date:00/00/0000

 

Dear Sir/Madam

 

Ref: 00000000 (policy number)

 

We are writing in regards to the aforementioned policy which we were sold by you Halifax in conjunction with are application for a repayment mortgage on 00/00/0000.

 

We now believe that we were mis-sold this policy because we were:

 

 

• Not asked whether we already had sufficient cover in place at the time the policy was sold to us
  

 

• Not informed that the policy premium was to be added to are mortgage as a single premium and therefore attract interest
  

 

• Not informed that the PPI policy would expire before we had fully repaid the mortgage
  

 

• Not informed that PPI had been added to are mortgage or that the policy was optional
  

 

• Not made aware of the features, exclusions and terms of cancellation relating to the PPI cover
  

As such, unless you can prove that this policy was sold to us fairly and that it is, in itself, fair and reasonable,

we request a full refund of all premiums and subsequent interest on these payments that we made towards this policy to date.

 

 

We will also ask that you add the 8% statutory interest deemed as reasonable by the courts to each payment we made.

 

 

We have included questionnaire, calculations of what is owed, statements and agreements.

 

Under the FCA guidelines, Halifax has 8 weeks to resolve are complaint.

We trust that you will deal with are case within this period.

If not, We will refer the matter to the Financial Ombudsman Service.

 

Yours faithfully

 

(Dad's Printed Name)

(Mum's Printed Name)

 

Thanks

Andrew

[Ftgab19]

Hi all,

 

Is there anything I should change in my covering letter or is it ok? because I've seen online people saying you should only use a few reasons as to why you feel you've been mis-sold PPI

 

Thanks

Andrew

[dx100uk]

no that's fine

 

 

dx

[Hortz]

Hi all,

 

Is there anything I should change in my covering letter or is it ok? because I've seen online people saying you should only use a few reasons as to why you feel you've been mis-sold PPI

 

Thanks

Andrew

 

To be blunt, do you even know if they have had PPI with the mortgage or are you just trying it on?

 

It would be very unusual to have a mortgage PPI policy that was, as you have stated, added to the mortgage with interest charged. Or one that expires before the term of the mortgage (MPPI usually runs until you cancel it). Also, you can't not be aware that you are paying for one of these policies, you have to sign a separate direct debit mandate and it comes out of your bank account monthly. It's like saying you didn't know you were paying your car insurance.

 

If I've got this wrong and you know for a fact that they did actually have a single premium MPPI policy then by all means send your letter, it will probably do the job. But otherwise I would rethink this one. These complaint handlers see dozens of cases per week and can spot a cut and paste template letter a mile off. Also there's nothing that convinces them your complaint is a try-on as much as trying to apply complaint reasons which clearly aren't relevant.

[Ftgab19]

Hi Hortz,

 

I'm still waiting on the SAR to get back to me, they said before or on the 30th of December. Not sending anything before I know fully if there owed on the mortgage and loans. I've got a bit of my mum & dads paperwork to still get through. This is just a draft letter for if I find all the facts that they have been mis sold.

 

Thanks

Andrew

[Ftgab19]

Hi all,

 

My dads SAR came in the post today.

 

 

I've only had a quick look through it,

 

 

will need some help finding out where the information I need is in the SAR.

 

 

Also I've found that most of his mortgage was an endowment mortgage.

 

 

Can anything be done about that?

 

 

Because my dad told me he had to take out a loan to pay them at the end of it.

 

Help please

 

Thanks

Andrew

[citizenB]

Hi all,

 

My dads SAR came in the post today.

 

 

I've only had a quick look through it,

 

 

will need some help finding out where the information I need is in the SAR.

 

 

Also I've found that most of his mortgage was an endowment mortgage.

 

 

Can anything be done about that?

 

 

Because my dad told me he had to take out a loan to pay them at the end of it.

 

Help please

 

Thanks

Andrew

 

Sorry, I don't understand this. You say that your Father's mortgage was covered by an Endowment policy, but the bank said he had to take a loan out to pay the mortgage at end of term ?

 

Or, was it that the Endowment didn't perform as expected and they knew there was going to be a shortfall ?

[citizenB]

In respect of the information for the PPI from the SAR

 

You are looking for copy agreements - statements - when your Father went for the loan, the Advisor should have completed a means and needs form - this would have been an overview of your Father's income and expenditure and if he was able to repay the loan - whether or not Payment Protection Insurance was necessary.

[Ftgab19]

Hi citizenB,

 

The endowment didn't perform as expected and they was told there was going to be a shortfall before the end. I'll have a look through the SAR now, so I'm looking for agreements, statments and income and expenditure. I'm sure they've made it hard to understand on purpose.

 

Thanks

Andrew

[Ftgab19]

I've been going through the "Personal Loans Report" and I can see a standing order called "STD1" for £9 something, each time it changes by a few pence. it says on the "Meaning of Notations on Personal loans" that the "STD1" is a lump sum debit amount (usually insurarance Loan). Is that the PPI?

 

Thanks

Andrew

[dx100uk]

yes most prob

 

 

one found then!

 

 

dx

[citizenB]

Hi citizenB,

 

The endowment didn't perform as expected and they was told there was going to be a shortfall before the end. I'll have a look through the SAR now, so I'm looking for agreements, statments and income and expenditure. I'm sure they've made it hard to understand on purpose.

 

Thanks

Andrew

 

It was quite wrong of them to insist on a loan - he could have arranged to pay something off the capital loan until the end of the mortgage. How long was left on the mortgage when he took out the loan ?

[Ftgab19]

Cool ok need to find out now how much it adds to and for how long they paid for the PPI. Im finding it hard to find the PPI policy number. Where would it be?

 

yes most prob

 

 

one found then!

 

 

dx

 

 

I've just found out I was wrong, he didn't take out a loan. The bank told him he needed to pay or there would be a shortfall, so he started saving up so he could pay off what was owed. That was about two years before the mortgage was up. Im not all the way through the SAR yet so it might be in there, how he did it.

 

 

It was quite wrong of them to insist on a loan - he could have arranged to pay something off the capital loan until the end of the mortgage. How long was left on the mortgage when he took out the loan ?

 

 

Thanks

Andrew

[Ftgab19]

I've also found when looking in the "Information held on computer by Collections & Recoveries" in cacs codes, PPI, PLPI (Personal loan payment insurance), PLRP (Personal loan repayment protection). Witch one and I looking out for in the statments?

 

Thanks

Andrew

[dx100uk]

any!

 

 

which ever one is show or both.

 

 

you don't need the policy number to reclaim.

[Ftgab19]

Ok well what information do I need from the SAR then?

 

Thanks

Andrew

[dx100uk]

payments and dates and figure

pop them in the spread at the end of link 1 below

 

 

dx

[Ftgab19]

Hi all,

 

 

I've been going through the SAR and have found evidence of 4 PPI policy's. I also found out that they were 3 loans and one credit card. The loans were called "Halifax Homeowner loan", my dad said there were against the mortgage or something. Called them home improvement loans, not sure if that helps.

 

 

This is what I have so far for loan 1:

Loan Start: 15/05/01

Loan term: 96

Cancel date: 03/04/03

Personal Loan Account/Roll Number: I have

Personal Loan Agreement: I have ( The box next to "Do you want Personal Loan Repayments Insurance" has an "X" in it, it looks printed and my dad can't remember anything about it)

Mortgage Deed (Personal Loans): I have

Statement of Completion of Personal Loan: I have

 

 

Personal Loan Repayments Cover

Start date: 15/05/01

Expiry date: 14/05/09

Personal Loan Repayment Insurance Certificate of Insurance: I have

Customer premium: 5.37

CIS Id: I have

Client ref: I have

Customer number: I have

Policy ID: I have

Agreement ID: I have

Cover type: Single Cover

Cover amount: 3201.07

Life Single Cover: 3201.07

Accident & Sickness - Single Cover: 57.16

Unemployment - single cover: 57.16

Life Single Cover: 3237.95

Accident & Sickness - Single Cover: 57.33

Unemployment - single cover: 57.33

 

Customer premium split: 2.24

Customer Earned Premium split: 54.82

Gross Earned Premium split: 54.82

Net Earned Premium split: 41.27

Cover/Premium change date: 15/04/03

Effect date: 30/04/03

Input date: 02/05/03

 

 

The only payments I've been able to find so far are theses:

14/11/01 - amount: 5.39

14/07/02 - amount: 5.39

14/09/02 - amount: 5.39

14/11/02 - amount: 5.39

14/12/02 - amount: 5.39

14/01/03 - amount: 5.39

14/02/03 - amount: 5.39

14/03/03 - amount: 5.39

14/04/03 - amount: 5.39

30/04/03 - amount: 10.74

 

 

I'm not sure where to find the payments, the statements they set me are mad, would really like some help on that.

Thanks

Andrew

[Ftgab19]

This is what I have so far for loan 2:

Loan Start: 22/04/03

Loan term: 72

Personal Loan Account/Roll Number: I have

Personal Loan Agreement: I have ( The box next to "Do you want Personal Loan Repayments Insurance" has an "X" in it, it looks printed and my dad can't remember anything about it)

Mortgage Deed (Personal Loans): I have

 

 

Personal Loan Repayments Cover

Start date: 22/04/03

Expiry date: 21/04/09

Halifax Bill Protector Insurance: I have

Customer premium: 9.37

CIS Id: I have

Client ref: I have

Customer number: I have

Policy ID: I have

Agreement ID: I have

Cover type: Single Cover

Cover amount: 698.17

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.65

Unemployment - single cover: 99.65

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.69

Unemployment - single cover: 99.69

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.72

Unemployment - single cover: 99.72

 

Customer premium split: 3.92

Customer Earned Premium split: 289.18

Gross Earned Premium split: 289.18

Net Earned Premium split: 2.18.28

 

 

The only payments I've been able to find so far are theses:

21/04/04 - amount: 9.16

21/03/05 - amount: 9.37

21/07/05 - amount: 9.37

21/11/05 - amount: 9.33

21/03/06 - amount: 9.33

21/05/06 - amount: 9.33

21/03/07 - amount: 9.39

21/12/08 - amount: 9.41

21/01/09 - amount: 9.40

21/02/09 - amount: 9.37

21/03/09 - amount: 9.37

21/04/09 - amount: 9.37

21/05/09 - amount: 9.36

01/06/09 - amount: 18.72

 

Once again would like some help on where to find the other payments.

 

 

Thanks

Andrew

[Ftgab19]

I'll be uploading loan 3 and the credit card soon, still scanning the stuff in.

 

 

Thanks

Andrew

[dx100uk]

better to put all scans into a word doc.

 

 

then pdf that

 

 

dx