Halifax ppi

[ange]

Hi there i was wondering if anyone could give me some advice.

I have been rejected by the Halifax for PPI on a credit card that i had with them.

It has been rejected twice and since sent an email to the CEO only for this just to be passed to the usual complaints department.

They confirmed in the first 2 rejection letters that PPI was bought at point of sale however in the final letter they said "indeed, PPI was not purchased until you called to activate your card".

This is total nonsense as i did not purchase it at all and if i declined it originally and was not required then why would i purchase it when activating my card.

Not sure what to do about this is there anyone who has been in a similar position to this.

many thanks

[SAVA05]

Re: Halifax ppi

Hi there i was wondering if anyone could give me some advice.

I have been rejected by the Halifax for PPI on a credit card that i had with them.

It has been rejected twice and since sent an email to the CEO only for this just to be passed to the usual complaints department.

They confirmed in the first 2 rejection letters that PPI was bought at point of sale however in the final letter they said "indeed, PPI was not purchased until you called to activate your card".

This is total nonsense as i did not purchase it at all and if i declined it originally and was not required then why would i purchase it when activating my card.

Not sure what to do about this is there anyone who has been in a similar position to this.

many thanks

I had the same thing with the Halifax, its just there standard fob off letter. I took it to the FOS and they found in my favour. I am afraid it has to go down that route and hence the wait.

[charitynjw]

Re: Halifax ppi

http://www.legislation.gov.uk/ukpga/1974/39/section/66

66Acceptance of credit-tokens.

(1) The debtor shall not be liable under a credit-token agreement for use made of the credit-token by any person unless the debtor had previously accepted
the credit-token, or the use constituted an acceptance of it by him.

(2) The debtor accepts a credit-token when—

(a) it is signed, or

(b) a receipt for it is signed, or

(c) it is first used,
either by the debtor himself or by a person who, pursuant to the agreement, is authorised by him to use it.

[ange]

Re: Halifax ppi

Thanks for your reply. So annoyed it didnt get passed to senior level as requested.
How long did it take going through FOS?

[SAVA05]

Re: Halifax ppi

Mine took 6 months through the FOS. The easy bit is that you got PPI. The FOS upheld my complaint and a month later the Bank made me an offer. It took 6 months bevause the FOS took 4 months to contact the Bank due to work loads of the FOS. The CEO probably wont do anything until it has gone to the FOS.

[charitynjw]

Re: Halifax ppi

Hi ange & SAVA05,

di30 is our PPI star.

Would you like me to give her a nudge?

[SAVA05]

Re: Halifax ppi

Yes she is the expert superstar..

[charitynjw]

Re: Halifax ppi

Your wish is my command!
(She might not respond tonight, though! )

Edit: Message sent.

[ange]

Re: Halifax ppi

Hi ange & SAVA05,

di30 is our PPI star.

Would you like me to give her a nudge?

yes please

[ange]

Re: Halifax ppi

surely if the original application states "No Repayment Cover Required" and I have signed this form and then now they are saying I purchased it when activating the card how can this be allowed. They have nothing with my signature on with consent to PPI but do have signature stating I do not wish to have it. They keep referring to how it was bought at point of sale which app clearly states i never but they are saying when they refer to point of sale this was when activating the card. How can this be point of sale when i already signed for the product and been accepted. They say that i was eligible for it but wouldn't that have been during the application when i declined PPI and not when just simply calling to activate the card. I feel so angry about this whole thing. They treat people differently (my sister put a claim in they made one call to her and then she had an offer)!! can't believe being treated this way when clearly states it was not required. Any ideas of where I should take this before FOS i just didn't want it to drag on for months. I did email CEO but it never went to anyone higher other than back to Customer Services. Surely when I emailed the CEO it should have been passed to a Senior dept??
Is Di30 around as i know she gives some good feedback
x

[SAVA05]

Re: Halifax ppi

Just try e-mailing CEO of Halifax at davidnicholson@halifax.co.uk together with GRPS2441@lloydstsb.co.uk and they should reply quickly to you by telephone as they did with me. If they reject you again and say it is there full and final response rejection you will have no option but to go to the FOS. I signed the form for PPI in the Bank and the FOS upheld my complaint as the Bank could not show that I signed for PPI separate for the form for the credit card and could not show to me it was optional. Don't waste any more time and I am afraid you have to take this up with the FOS if you want your money back. Its worth waiting for.

[ange]

Re: Halifax ppi

Thanks Sava05 that's who I sent the email to David Nicholson and the reply said it will be sent to the relevant dept which was customer services yet again whereas i wanted it to sent to Senior dept.
Will try the other link and if final response will have to go to FOS its just so annoying when they have signature confirming not wanting PPI but yet it was out on there automatically with no signature or proof that we wanted it added.
Thanks for the info

[SAVA05]

Re: Halifax ppi

You should get e-mail from Group Executive Complaints who are GRPS2441@ lloydstsb.co.uk who are the senior department working on behalf of David Nicholson, in the hope they over turn there decision. They are more helpful then the plebs of ordinary Customer Relation Departments as they are all seem to be Asian call centres based outside the UK and don't speak proper English. Group Executive are English speaking people on Management and Senior levels.

[charitynjw]

Re: Halifax ppi

The starting point here must be, were/are you in fact paying PPI alongside the credit facility?

[di30]

Re: Halifax ppi

Hi there

Sorry for the delay.
Cheers for the nudge Charitynjw.

I will have another read tomorrow, but I note that you mentioned about you didnt actually purchase PPI at all and they said that you did once you activated the account.

I would therefore ask for the evidence of this, ask what proof do they have, and for them to provide you with a copy of this as you have a right to the written information and on how they reached this decision to reject your complaint.

Email the CEO again and tell him they obviously passed your query back onto complaints to deal with it again, but as they have already been given the opportunity twice, but failed to take into account your information of your complaint was the reason you forwarded your query to him. Also add your not happy with how your complaint been dealt with by the complaints team and you feel they are just trying to send you away despite your genuine complaint which should be taken seriously.
I would also add that you believe other customers of Halifax have been treated the same way, and receiving standard generic letters of rejection, which is not right to do so......

Go on to say that Halifax are incorrect on telling you that you accepted PPI when you activated your account. (If you any paperwork to provide to prove this, then also enclose it as well). With that, I would ask the CEO to look into this matter and you want written/concrete evidence that you requested or accepted PPI when the card was activated, because this was why Halifax complaints team rejected your complaint, but you would like to know how they actually have that information.
Finish it off by saying, these complaints should be taken seriously, and as a long term customer of Halifax, you don't feel you've been treated fairly with your complaint, due to the reasons applied etc...

I would ask for them to write to you by 7 days of them receiving your letter/email, otherwise you will be considering taking further action, and remember to add that you expect to receive the written evidence of you accepting PPI.

Hope this helps, let us know how you get on, or if more help is required, good luck.