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I found this forum after entering the kafka-esque world of Halifax PPI claims. I am hoping there are others out there who have also had the same difficulties and can advise on the best way forward...
I had a Mortgage Protection Policy on a Halifax mortgage I had taken out in 1994 until 1999. I was paying about £35/month - not an inconsiderable sum. My memory is that at the time mortgages were quire hard to arrange and that accepting their PPI was a a pre-requisite to obtaining one with the Halifax. It was a joint mortgage. Both myself and my wife had full time jobs which provided assistance in the case of accident, sickness and redundancy. We also had two investment properties that provided steady rent. In my view, and with hindsight, the PPI was not necessary for us and we took it to simply ensure we got a mortgage offer.
I happen to have all of the original documentation from the sale, including the PPI policy certificate and mortgage statements showing my
In July 2019 I made a complaint via an online web tool specifying the mortgage account number and the dates (at this point I had not found the PPI policy certificate). I quite quickly received a text from the Halifax saying that my claim was being processed - all well and good...
I then got another text from the Halifax saying that my claim was being processed but with a different reference - hmmmm...
I then got a letter saying that they could not find any overdraft facilities with PPI attached and so were closing my claim. I replied immediately with a completed Financial Ombudsman questionnaire giving full details of my claim for mortgage PPI and a copy of my PPI certificate. I asked them to pass the claim onto whoever dealt with PPI for mortgages.
I then got another letter saying that they could not find any credit card facilities with PPI attached and so were again closing my claim. I replied immediately with a copy of my PPI certificate plus my mortgage statements. Again I asked them to pass the claim onto whoever dealt with PPI for mortgages. I eventually received a short reply saying that they understood I wanted to withdraw my claim and so they were closing my case!!!
(These letter basically match the references from the original texts.)
I have tried to phone them on their PPI customer services line but I can never get through. The longest I have waited is an hour.
Just before the deadline I made another direct claim to the Halifax using their online form. Their website says that my claim was successfully submitted. However I have received no more texts or any communication. I still can't get through to their customer services.
I appreciate they are dealing with a high number of claims and calls at the moment. However I am concerned that my claim has fallen through the cracks and I am not impressed that they seem to have ignored my detailed letters. It is almost as if the recipients at the bank have decided it is not their department so they have binned them.
I plan to wait the 8 weeks from the last claim. If I hear nothing then I will pass this onto the Financial Ombudsman. I know this will all take a long time.
If anyone here has recent experience with Halifax PPI claims please share. I would like to know if I am doing something wrong or if there is a better way to proceed.
Thank you!
I found this forum after entering the kafka-esque world of Halifax PPI claims. I am hoping there are others out there who have also had the same difficulties and can advise on the best way forward...
I had a Mortgage Protection Policy on a Halifax mortgage I had taken out in 1994 until 1999. I was paying about £35/month - not an inconsiderable sum. My memory is that at the time mortgages were quire hard to arrange and that accepting their PPI was a a pre-requisite to obtaining one with the Halifax. It was a joint mortgage. Both myself and my wife had full time jobs which provided assistance in the case of accident, sickness and redundancy. We also had two investment properties that provided steady rent. In my view, and with hindsight, the PPI was not necessary for us and we took it to simply ensure we got a mortgage offer.
I happen to have all of the original documentation from the sale, including the PPI policy certificate and mortgage statements showing my
In July 2019 I made a complaint via an online web tool specifying the mortgage account number and the dates (at this point I had not found the PPI policy certificate). I quite quickly received a text from the Halifax saying that my claim was being processed - all well and good...
I then got another text from the Halifax saying that my claim was being processed but with a different reference - hmmmm...
I then got a letter saying that they could not find any overdraft facilities with PPI attached and so were closing my claim. I replied immediately with a completed Financial Ombudsman questionnaire giving full details of my claim for mortgage PPI and a copy of my PPI certificate. I asked them to pass the claim onto whoever dealt with PPI for mortgages.
I then got another letter saying that they could not find any credit card facilities with PPI attached and so were again closing my claim. I replied immediately with a copy of my PPI certificate plus my mortgage statements. Again I asked them to pass the claim onto whoever dealt with PPI for mortgages. I eventually received a short reply saying that they understood I wanted to withdraw my claim and so they were closing my case!!!
(These letter basically match the references from the original texts.)
I have tried to phone them on their PPI customer services line but I can never get through. The longest I have waited is an hour.
Just before the deadline I made another direct claim to the Halifax using their online form. Their website says that my claim was successfully submitted. However I have received no more texts or any communication. I still can't get through to their customer services.
I appreciate they are dealing with a high number of claims and calls at the moment. However I am concerned that my claim has fallen through the cracks and I am not impressed that they seem to have ignored my detailed letters. It is almost as if the recipients at the bank have decided it is not their department so they have binned them.
I plan to wait the 8 weeks from the last claim. If I hear nothing then I will pass this onto the Financial Ombudsman. I know this will all take a long time.
If anyone here has recent experience with Halifax PPI claims please share. I would like to know if I am doing something wrong or if there is a better way to proceed.
Thank you!
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