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hi,
thanks in advance for any information provided. my wife and I took out tmpp with the halifax mortgage. we feel that we were mis-sold ppi for this product. we felt the sales adviser was quite pushy at the time and that we were not told of the restrictions of claiming etc and that we needed the tmpp in order to enhance chances of mortgage acceptance. At the time of taking out this product my partner and I were on 6 months full sick pay and 6 month half pay with our respective employer. The product covered myself for life cover and not my wife's. The critical illness component of this product covered myself but not my wife's. The sickness cover on this product would have paid £432 per month for both of us after a 30 day period (this would not have covered our mortgage payment). I was under the impression that when this product was sold then it would have been equal for us both. I initially sent a letter of complaint to the Halifax, (27/12/13) (they received this on the 29/12/13) and we also filled in their questionnaire that was sent to me and returned it. we did not hear anything back for 7 weeks after returning the questionnaire, Then we received a phone call from the Halifax asking for more information (15th January) It was explained by us in that phone call that our preferred method of contact was written correspondence so as we would have the proof should the complaint be referred to the Financial Ombudsman Services (even at this point the member of staff was pressurising us to provide information over the phone). we were promised correspondence in the post of the further information they required, however after a couple of weeks this hadn't materialised, so I sent another letter dated the (5th February 2014) stating that I had not received any correspondence to provide further information or indeed received any letter providing a final response of this complaint. on 12/02/14 we received correspondence (cant prove this as no date on envelope) dated 21/01/14 and 22/01/14 with a final response stating that our complaint was not going to be upheld due to the lack of information provided. we are quite angry and upset at this decision as firstly we were willing to provide information by post it just appears that this is not the Halifax's way, secondly (and we are not ones to be cynical) but it appears that they only responded after the letter I sent on 5th February 2014 and dated these letters to us 21/01 and 22/01 so in essence it meant that they had responded in the time frame allowed to them where in theory it three weeks overdue. please advise thank you
thanks in advance for any information provided. my wife and I took out tmpp with the halifax mortgage. we feel that we were mis-sold ppi for this product. we felt the sales adviser was quite pushy at the time and that we were not told of the restrictions of claiming etc and that we needed the tmpp in order to enhance chances of mortgage acceptance. At the time of taking out this product my partner and I were on 6 months full sick pay and 6 month half pay with our respective employer. The product covered myself for life cover and not my wife's. The critical illness component of this product covered myself but not my wife's. The sickness cover on this product would have paid £432 per month for both of us after a 30 day period (this would not have covered our mortgage payment). I was under the impression that when this product was sold then it would have been equal for us both. I initially sent a letter of complaint to the Halifax, (27/12/13) (they received this on the 29/12/13) and we also filled in their questionnaire that was sent to me and returned it. we did not hear anything back for 7 weeks after returning the questionnaire, Then we received a phone call from the Halifax asking for more information (15th January) It was explained by us in that phone call that our preferred method of contact was written correspondence so as we would have the proof should the complaint be referred to the Financial Ombudsman Services (even at this point the member of staff was pressurising us to provide information over the phone). we were promised correspondence in the post of the further information they required, however after a couple of weeks this hadn't materialised, so I sent another letter dated the (5th February 2014) stating that I had not received any correspondence to provide further information or indeed received any letter providing a final response of this complaint. on 12/02/14 we received correspondence (cant prove this as no date on envelope) dated 21/01/14 and 22/01/14 with a final response stating that our complaint was not going to be upheld due to the lack of information provided. we are quite angry and upset at this decision as firstly we were willing to provide information by post it just appears that this is not the Halifax's way, secondly (and we are not ones to be cynical) but it appears that they only responded after the letter I sent on 5th February 2014 and dated these letters to us 21/01 and 22/01 so in essence it meant that they had responded in the time frame allowed to them where in theory it three weeks overdue. please advise thank you
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