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PPi claim unfair terms in consumer contract


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hi guys,

 

i have an existing £10k loan, with halifax taken out in 2004 with ppi,

 

 

im doing the mis-sold route with a couple of arguments.

 

i made a claim on ppi, and was told, no can do as i was dismissed.

 

phoned to cancel PPi, told to take out new loan with no ppi, oooops! not working means no new loan.

 

this was followed by them raiding my bank account of £65, now 11p overdrawn.

 

this is the info on my loan agreement

 

  1. amount of credit (cash loan) 10,000
  2. add total charge for credit (cash loan) 2,548.76
  3. total i pay for cash loan 12,548.76 1+2
  4. ppi loan ( cash price ppi) 2,364.76
  5. add total charge for credit for ppi loan 602.96
  6. total i pay for ppi loan 2,967.72 4+5

 

  • apr 6.5%
  • loan 12,364.76
  • total charge for credit for loan 3,151.72
  • total i pay 15,516.48
  • monthly interest 0,511%
  • arrangement fee (1% of loan and 1% ppi loan) already included in 2+5

HERE'S A GOOD ONE Your Right To Cancel 5days

 

going to browse the spreadsheet templates to see how to work out sched of claim

 

similar position with abbey for first my first loan although they have accepted my ppi claim on second loan.

 

as before any comments or help feel free.

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  • 8 years later...

ive been having a running battle with the Halifax over a loan, where they refused my claim on the PPi policy

 

this case goes back to 2007,

after exhausting their complaints process,

getting no help from my ombudsman complaint ,

and having my court claim dismissed due to statutes of limitation

my court claim was based on breach of contract and misrepresentation.

 

long story short

 

 

I made a claim on the loans PPi Policy,

which they refused, citing that

"under the terms and conditions of my policy no benefits are payable

if my dismissal was due to a disciplinary procedure being brought against me"

 

the facts are that this condition is not clearly documented as a condition of the policy,

but as, and I argue an inaccurate definition of a condition

While Quoting form the actual Policy Terms And Conditions no benefits are payable if my dismissal was

 

 

  • Resulting from my Misconduct- this could include fraud, dishonesty , or anything that led to or might have led to a disciplinary procedure being brought against me".

my dismissal is documented as unsatisfactory probation, based on performance

where No Misconduct had occurred or had been alleged

 

although my dismissal for unsatisfactory probation had been determined in what was defined as a disciplinary procedure,

it was in fact a probationary review hearing dealing with my performance.

and not a disciplinary procedure dealing With Misconduct

 

so I'm considering a claim of unfair terms in consumer contract

as a new application as this term clearly causes me sever financial determent.

 

need some help

Edited by boxer64
UPDATING
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cant read postage stamps sri

 

 

pdf please

 

 

put them all in a word doc first

then print to or save as PDF

 

 

follow the upload

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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Tbh it would be more useful to reclaim it

Follow link 1 below

 

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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been down that route with one of those claim management companies, although I have not officially accepted a refund they have processed the refund regardless, and reduced the outstanding loan balance. PPI refunding is an automatic process.

My issue is not about PPI refund, its about the fact they refused my claim on the policy, this considering the fact, that I had an additional loan with ABBEY at the time

and also made a claim on their PPI policy with no problems.

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