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Halifax Loan PPI


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I think it sounds fine enough. Not too pushy, just reinforcing your point and that it has already been to the FOS.

 

I think it probably strikes just about the right tone.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I hope so!

 

I've got my mediation appointment with them in a few weeks time, so here's hoping they're in a receptive mood for me shortly!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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I really hope your mediation appointment goes well with them Bathgatebuyer, keeping everything crossed ;)

 

They are apparently in a receptive mood at the moment cos I've just received my offer off them. It came to less than what I worked out but I didnt have a clue how to work it out so my calculations may have been wrong. They said on the letter:

 

The calculation considers the number of premiums you paid towards the PPI, plus interest that you have paid on these premiums, plus additional interest at 8%.

In addition, we will reduce your outstanding balance by the remaining amount of PPI on your loan.

 

The total refund came to just under £3000. That will leave a small amount left on the loan but I am not complaining, it will get paid off a lot quicker now.

 

Thanks for everyones help on this, I am a lot wiser now when it comes to taking out insurance policies.

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Another story to warm the cockles of my heart!!! Well done!!!

 

Interestingly I had another run in with the Hellifax today when I tried to pay a Halifax cheque into an old savings account so I could take the cash out there and then. Some diddy in the Shandwick Place branch in Edinburgh told me it would take 3 days to clear. I told her it wouldn't and went in immediately as it was a Halifax > Halifax transaction and she denied it. Went to George Street a few hundred yards away and they gave me the cash there and then!

 

What a waste of my time standing in a queue at lunchtime trying to tell them how to do their job.

 

I'm glad you managed to stick it right up em!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Interestingly I had another run in with the Hellifax today when I tried to pay a Halifax cheque into an old savings account so I could take the cash out there and then. Some diddy in the Shandwick Place branch in Edinburgh told me it would take 3 days to clear. I told her it wouldn't and went in immediately as it was a Halifax > Halifax transaction and she denied it. Went to George Street a few hundred yards away and they gave me the cash there and then!

 

What a waste of my time standing in a queue at lunchtime trying to tell them how to do their job.

 

Typical:rolleyes:, I wish they would issue some staff training so they actually knew what they were doing.

 

Well I have had the PPI removed from the balance of the loan and have also managed to arrange a settlement on the remaining balance. They have knocked a further 25% off so that shall be fully paid off at the end of the month when Hubby gets paid. I am sooo pleased to see the back of that:-D

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