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morgage protection payments - halifax


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Just a quick one before i jump in and start filling in forms

 

thought i had reclaimed all my PPI years ago, however i recently went through my statement and realized that i had two direct debits to the halifax

 

for a bit i thought it was for the home insurance i moved a while ago - then realized it was morgage protection

 

thinking back i can remember them saying that our morgage application would be looked on more favorably if we took it on...

 

now for the first two years of the morgage this was about £50 a month, until we rang them up as it was really high and they removed things like the illness cover and just left the death policy on it at which point it went to £17.07 - which we're still paying apparently 9 years on

 

is this something that its worth complaining about as i had and still have a death in service benefit of 4x salery (about £100,000), we were told that it was more likely the morgage would be accepted if we took it

 

we're also looking at cancelling it as for the same price we have been offered life insurance at a payout of about £150,000 (vs the £25,000 left on the morgage) is that the best route?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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yes go get it!!

 

 

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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one further question

 

should i fill out the halifax's forms or simply write in?

 

i know it sounds an odd question but at this point the halifax form seems to go into alot of irrelevant information - some i can see the point of like reasons for claiming back, amount you had in savings at the time and which parts you were covered elsewhere for (work sickness policy + DIS benefits + over £8,000 in savings)

 

however its also getting into things like "have you received any unusual income and wants to know details of inheritance's which admittedly have come to about 11,000, but again i get a christmas cheque of £1500 each year from relatives which im not sure if i need to put down in there

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • 2 weeks later...

well confirmation claim received has come

 

apparently final decision by 22nd june

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Share on other sites

  • 2 weeks later...

And the denied letter came today

 

Apparently it's not Morgage protection but critical illness and death cover...

 

I guess I just confused it because it does pretty much the same thing

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Share on other sites

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