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Hi my name is Ian, I have just found your website and hope very much that somone can help me with my PPI claim.
After making a successful ppi claim in Jan 2012 on one of my Halifax credit cards, I have made a second ppi claim on my other Halifax credit card but this claim has been rejected. With the claim last year all I had to do was make one call and that was it but this time after I made a call to the Halifax I also had to fill in a questionnaire and I was also called back by the Halifax.
I have been self employed since 1991 as a taxi driver and my claim relates back to March 1996.
I have seen that a lot of PPI claims recntly have bee rejected in the first instance. Do you think the letter i have recived is a standerd reply of rejection.
I wonder if they is anything you could pick up on in the letter of reply from the halifax to my complaint and if they is anything i could add to my reply to strengten my case?
Below is a copy of the findings from the Halifax.
Thank you, Ian.
Dear Mr xxxxx
Credit card number xxxxx
After considering the evidence and any documentation or information or information available to me, I have not found sufficient evidence to agree with your allegations that your PPI policy was mis-sold, As such I am unable uphold your complaint.
As part of my review, I have considered whether you were eligible for the policy and whether the policy was suitable for you. I have also taken into account each of the concerns you raised with us in your complaint and I can confirm that I did not identify any other issues when reviewing your file.
Having completed all of these steps,I went on to look at your complaint as a whole to ensure that we acted fairly towards you in relation to the sale of your PPI policy, giving appropriate weight and balanced consideration to all available evidence, including any further information supplied by you.
I am sorry that you felt the need to complain about your PPI policy and appreciate that my decision may be of disappointment to you. However I can assure you that I have fully investigated your complaint and all the surrounding circumstances.
Your complaint
You contacted us on 1 march 2013 expressing dissatisfaction about your PPI policy. we duly wrote to you to acknowledging your complaint and our understanding of it.
During your telephone call on 1 March 2013, you were dissatisfied that:
1) Before you purchased the policy , you were not advised that you were not eligible for parts of it.
2) You were not advised of the main features, exclusions or limitations or the PPI policy
3) Before you purchased the PPI policy, you were not advised about any exclusions or limitations that were specifically relevant to your situation
4) You were not asked if the PPI policy was suitable for you
Findings
In order to address the concerns you have raised, I have reviewed all the available sale related evidence. I have established that you applied for your credit card PPi policy on the 8 March 1996.
To further assist my investigation I have also taken the following into consideration
* Your consumer credit card agreement (CCA)
* Telephone call call made to you on 22 March 2013
It should be noted that prior to 2005 the sale of PPI was not regulated by the financial services authority (FSA), However, \we were members of the association of British insurers (ABI), which expected its members to conduct business with upmost good and faith and integrity.
In addition,the sale was made on a non-contract basis and as such, we were only required to provide you with information designed to ensure that you could then make an informed decision as to whether the policy met your personal requirements. it was ultimately your decision to purchase the policy.
That said I have still conducted a full investigation into the sale of your PPI so as to ensure we met our obligations to present the information in a fair way.
All your complaint points have been fully considered. For clarity, I have addressed your allegations under the following headings.
*Eligibility-Were you eligible for your PPI policy?
*Policy features and limitations- Were the policy benefits and exclusions explained to you to clearly?
*Information and disclosure- Did we give you enough information and help so you could make an informed decision? Were our services and status explained correctly?
Eligibility
The evidence detailing your status at the time of sale, confirms that at the time of sale, you were eligible for the PPI policy you bought.
Policy features & limitations- Relating to complaint point - 1,2
The documentation that you were provided with both at the point of sale and after purchasing your PPI policy, such as a summary of the policy and policy booklet, fully explained the benefits and limitations of the policy.
In particular, I have reviewed the information that we give you about the exclusions and limitations of the policy and I have concluded that these were explained to you sufficiently clearly and you were not significantly affected by them.
Having considered all the available evidence,I have come to the conclusion that the features of the policy were adequately presented to you so that you cold make an informed choice as to whether or not you wished to purchase the PPI policy.
Information and disclosure- Relating to complaint point- 3,4
I can verify that there was no alternative policies available at the time of sale.
When considering the information available I can conclude that the documentation was provided to customers at the time contained sufficient information to ensure you could make an informed decision as to whether the policy met your personal requirements
It cannot therefore be concluded that the information and disclosure given was inappropriate in the circumstances.
Conclusion.
In light of my findings I am unable to agree that your complaint should be upheld.
I believe that the information provided at the time of the sale was a fair presentation of the features of the policy and explained the exclusions and the total cost of the insurance. I am also of the opinion that it was clear, fair and not misleading therefore allowing you to make a fully informed choice.
My review has not highlighted any failings with the sale that would lead me to believe your decision to purchase the PPI policy would have changed.
I trust that I have clearly explained the reasons for my decision.However, if you not agree with with my decision please contact us on 08456014034 or write in providing further supporting evidence to support your claim. I will consider any additional information and advise you whether I change my decision. If I do not here from you within twenty eight days of the date of this letter, I will close your complaint and consider it resolved.
In the event that you remain unhappy with my decision , you have the right to refer your complaint to the financial ombudsman service (FOS), Any referral to FOS must be made within six month of the date on this letter. I enclose a copy of the FOS's leaflet about its service
Your sincerely
xxxx xxxxxx
Customer services
After making a successful ppi claim in Jan 2012 on one of my Halifax credit cards, I have made a second ppi claim on my other Halifax credit card but this claim has been rejected. With the claim last year all I had to do was make one call and that was it but this time after I made a call to the Halifax I also had to fill in a questionnaire and I was also called back by the Halifax.
I have been self employed since 1991 as a taxi driver and my claim relates back to March 1996.
I have seen that a lot of PPI claims recntly have bee rejected in the first instance. Do you think the letter i have recived is a standerd reply of rejection.
I wonder if they is anything you could pick up on in the letter of reply from the halifax to my complaint and if they is anything i could add to my reply to strengten my case?
Below is a copy of the findings from the Halifax.
Thank you, Ian.
Dear Mr xxxxx
Credit card number xxxxx
After considering the evidence and any documentation or information or information available to me, I have not found sufficient evidence to agree with your allegations that your PPI policy was mis-sold, As such I am unable uphold your complaint.
As part of my review, I have considered whether you were eligible for the policy and whether the policy was suitable for you. I have also taken into account each of the concerns you raised with us in your complaint and I can confirm that I did not identify any other issues when reviewing your file.
Having completed all of these steps,I went on to look at your complaint as a whole to ensure that we acted fairly towards you in relation to the sale of your PPI policy, giving appropriate weight and balanced consideration to all available evidence, including any further information supplied by you.
I am sorry that you felt the need to complain about your PPI policy and appreciate that my decision may be of disappointment to you. However I can assure you that I have fully investigated your complaint and all the surrounding circumstances.
Your complaint
You contacted us on 1 march 2013 expressing dissatisfaction about your PPI policy. we duly wrote to you to acknowledging your complaint and our understanding of it.
During your telephone call on 1 March 2013, you were dissatisfied that:
1) Before you purchased the policy , you were not advised that you were not eligible for parts of it.
2) You were not advised of the main features, exclusions or limitations or the PPI policy
3) Before you purchased the PPI policy, you were not advised about any exclusions or limitations that were specifically relevant to your situation
4) You were not asked if the PPI policy was suitable for you
Findings
In order to address the concerns you have raised, I have reviewed all the available sale related evidence. I have established that you applied for your credit card PPi policy on the 8 March 1996.
To further assist my investigation I have also taken the following into consideration
* Your consumer credit card agreement (CCA)
* Telephone call call made to you on 22 March 2013
It should be noted that prior to 2005 the sale of PPI was not regulated by the financial services authority (FSA), However, \we were members of the association of British insurers (ABI), which expected its members to conduct business with upmost good and faith and integrity.
In addition,the sale was made on a non-contract basis and as such, we were only required to provide you with information designed to ensure that you could then make an informed decision as to whether the policy met your personal requirements. it was ultimately your decision to purchase the policy.
That said I have still conducted a full investigation into the sale of your PPI so as to ensure we met our obligations to present the information in a fair way.
All your complaint points have been fully considered. For clarity, I have addressed your allegations under the following headings.
*Eligibility-Were you eligible for your PPI policy?
*Policy features and limitations- Were the policy benefits and exclusions explained to you to clearly?
*Information and disclosure- Did we give you enough information and help so you could make an informed decision? Were our services and status explained correctly?
Eligibility
The evidence detailing your status at the time of sale, confirms that at the time of sale, you were eligible for the PPI policy you bought.
Policy features & limitations- Relating to complaint point - 1,2
The documentation that you were provided with both at the point of sale and after purchasing your PPI policy, such as a summary of the policy and policy booklet, fully explained the benefits and limitations of the policy.
In particular, I have reviewed the information that we give you about the exclusions and limitations of the policy and I have concluded that these were explained to you sufficiently clearly and you were not significantly affected by them.
Having considered all the available evidence,I have come to the conclusion that the features of the policy were adequately presented to you so that you cold make an informed choice as to whether or not you wished to purchase the PPI policy.
Information and disclosure- Relating to complaint point- 3,4
I can verify that there was no alternative policies available at the time of sale.
When considering the information available I can conclude that the documentation was provided to customers at the time contained sufficient information to ensure you could make an informed decision as to whether the policy met your personal requirements
It cannot therefore be concluded that the information and disclosure given was inappropriate in the circumstances.
Conclusion.
In light of my findings I am unable to agree that your complaint should be upheld.
I believe that the information provided at the time of the sale was a fair presentation of the features of the policy and explained the exclusions and the total cost of the insurance. I am also of the opinion that it was clear, fair and not misleading therefore allowing you to make a fully informed choice.
My review has not highlighted any failings with the sale that would lead me to believe your decision to purchase the PPI policy would have changed.
I trust that I have clearly explained the reasons for my decision.However, if you not agree with with my decision please contact us on 08456014034 or write in providing further supporting evidence to support your claim. I will consider any additional information and advise you whether I change my decision. If I do not here from you within twenty eight days of the date of this letter, I will close your complaint and consider it resolved.
In the event that you remain unhappy with my decision , you have the right to refer your complaint to the financial ombudsman service (FOS), Any referral to FOS must be made within six month of the date on this letter. I enclose a copy of the FOS's leaflet about its service
Your sincerely
xxxx xxxxxx
Customer services
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