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Very old Halifax mortgage ppi


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Joint endowment mortgage from 1986 with ppi.

 

We were unmarried when we bought our 1St property with some sort if ppi.

 

My husband was made redundant in May 1991 and were paid until October of that year.

 

He had to be out of work for 3 months before he could make a claim

I believe he claimed for 2-3 months when he got temp work for a few months.

 

At the time the policy only paid 50% of the sum we should have received as I was employed

after my husbands temp work ended we were informed no further claims could be made for 12 months.

We cancelled the insurance and ended up with mortgage arrears in the following few years.

 

Its always been a bug bearer.

After SAR Halifax we received our bundle last week.

Halifax claim no PPI sold.

The spread sheets don't include it

however the Jan 1992 spread sheet states mpi but no details of payment or sums.

 

We are 100% certain we paid £40 monthly for 5 years before we cancelled.

Halifax have not included our signed mortgage agreement.

 

I have found copies of building insurance,

Provident mutual life insurance and endowment policy details.

 

All must have been sold to us at the same time as our mortgage as the dates are all the same.

I vaguely remember throwing the policy away a number of years ago

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an sar doesn't have to include agreements sadly.

 

how old is the sar request

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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well ask Halifax if that's all they are going to send?

 

you wont get any penalty charges back with it being that old

only PPI

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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Share on other sites

well statute barred sadly.

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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id ask Halifax why they haven't supplied XXX documents you require.

 

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... 

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... 

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Share on other sites

Do you have any documents ??..

.I've just recently discovered an old Lloyds bank account number so SAR sent.

 

Halifax say they have no record if any mortgage ppi

however we are 100% certain we had something sold to us at the same time we signed for our mortgage.

 

I'm hoping I find some evidence we had it..

.we did not have to wait 12 months to claim,

 

I thought it might have been 3 months but I'm not certain.

 

I remember we were really upset as it never paid out to us what we were told.

 

We ended up with arrears which we should never have had..

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  • 2 months later...

****Update****

 

Halifax sent massive bundle of SAR documents..

 

.no PPI on mortgage.

 

Called again and said I'd taken advice from the FSA and complained again.

 

..Low and behold they've suddenly found PPI from 1991.

 

I have recollection of PPI at this time, mortgage was taken out 5 years previous.

 

They said £12 monthly...??waiting for a letter

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you need to make them send the info they've found

 

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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Share on other sites
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