Halifax PPI and Package Account Fees reclaiming for dad **WON BOTH**

[Ftgab19]

Hi All again,

 

Halifax sent another letter today about are fraud claim.

 

 

Now it was FOS who contacted Halifax about the claim on the 09/01/2015.

I'll upload the letter Halifax sent but i think Halifax are being a bit stupid with the letter.

 

They're saying

"after completing are investigation we do not agree that Halifax made a mistake"

also they say no documents have been doctored.

Well since they don't have the original document

I would like to know what they compared their documents too...

 

They have asked for us to send any evidence we have to proof the case.

I would like some advice on what to say.

I've already made copies of the original document

and the fake Halifax sent me in the SAR request.

 

I was thinking of something like....

 

My Letter:

 

Dear Sir/Madam

 

Reference No: 0000000

 

In reference to your previous letter dated 13/01/2015.

We are at a loss as to why you have felt the need to carry out an investigation

without first requesting the supporting evidence for the claim.

 

 

Therefore we will attach:

 

· A copy of the original loan agreement. (named “page 1” which you will find at the top of the document)

 

· A copy of the loan agreement that was sent with the SAR request,

which was requested on the 17/11/2014. (named “page 2” which you will find at the top of the document)

 

Here you will find a list of differences we feel there are in the agreements mentioned above.

 

· The signatures in the “Signature(s) of customer(s) box” in the loan agreement sent in the SAR request

are different from the signatures in the original agreement.

 

· The date in the “Date(s) of signature(s) box” in the loan agreement sent in the SAR request is different from the date in the original agreement.

 

· The witness signature, name and address in the loan agreement sent in the SAR request

are different from the witness signature, name and address in the original agreement.

 

· The signed on behalf, by, title and date of signature in the bottom right of the loan agreement sent in the SAR request is filled in. There is nothing filled in on the original agreement.

 

 

We would like you to reconsider the outcome of your investigation in light of the supporting evidence enclosed.

 

We look forward to your prompt response to this letter.

 

 

Yours Sincerely,

 

Dad & Mum's signatures

 

Dad & Mum's name printed

 

Thanks

Andrew

[Ftgab19]

After looking online for similar cases,

 

 

I've found no advice at all, It seems like quite a unique case.

 

 

My mum & dad are happy for me to send the letter I posted above tomorrow.

 

 

Could anyone if they can, give my letter a quick check.

 

 

I'd like to see what everyone thinks on this case.

 

Many Thanks

Andrew

[dx100uk]

cant hurt

 

 

dx

[Ftgab19]

Thanks for your input dx,

 

I'll keep this post updated, unless the case escalates enough to need it's own thread.

 

Andrew

[Ftgab19]

Hi all again,

 

 

Got a letter from halifax yesterday,

 

 

it was about the PPI case with the 2001 & 2003 loans.

 

 

They're saying they are going to give us £1,312.72. £237.50 for the first loan and £1,075.22 for the second loan.

 

 

I'll upload the letter for eveyone to see.

 

 

We asked them for 2,000 and something,

 

 

would like some advice on where to go from here.

 

 

Thanks

Andrew

 

Sorry I've uploaded it now.

[dx100uk]

please attach the letter

don't use file sharing sites

 

 

dx

[Ftgab19]

Did I do the calculation wrong or is Halifax pulling a fast one?

 

Thanks

Andrew

[dx100uk]

right looks like they are now trying to retro sell you a policy they claim is more suitable to your needs at the time?

 

 

they cant do that!!

 

 

dx

[Ftgab19]

Hi dx,

 

Thank you for your reply, do you mean there trying to say they should of sold a different type of PPI? What should I reply to them?

 

Thanks

Andrew

[dx100uk]

read the letter

 

 

 

 

dx

[Ftgab19]

Hi dx,

 

I've re read the letter and I don't no if I'm missing something but I don't understand what you mean by them selling us another policy. I also don't understand why they have left out a few numbers. Like the total cost or how many premiums my mum n dad payed. The calcuation looks confusing.

 

Thanks

Andrew

[dx100uk]

I think that has been done on purpose.

I think you should ask for a complete detailed breakdown

inc all the data and calc methods they used.

and the spreadsheet the appear to refer too?

 

 

as for the retro policy

it could be a generic PPI redress sheet used

but I read on page 4 L: less price for comparative regular policy?

but appears not to effect the carried thru redress mind

 

 

I was on a very small screen

 

 

dx

[Ftgab19]

Thanks for pointing that out dx, I missed that at the bottom of the 4th page. So should I ask them for a complete breakdown of how the refund was calculated and also for the spreadsheets used?

 

Should I type the letter in more detail or just ask what I said above?

 

Thanks

Andrew

[dx100uk]

add it in the one that they need to consider ALL the loans as one - as they refinanced each other in a complete chain

[Ftgab19]

Hi dx,

 

Do you mean I need to tell them in my letter to consider all the loans as one - as they refinanced each other in a complete chain?

 

Thanks

Andrew

[dx100uk]

yes they don't seem to have calculated that as loan 2 settled loan 1

and there was no rebate of the remainder of loan 1 PPI at that time

 

 

ppi from loan 1 carried into loan 2

 

 

see your spreadsheet.

[Ftgab19]

I'm struggling to come up with how to get across what I need to say in the letter. Is there any chance you could maybe give me a bit of an idea on how the letter should be typed dx?

 

Many Thanks

Andrew

[dx100uk]

as post 116

 

short andsimple

 

 

loan 2 contained ppi levied inloan1

 

dx

[Ftgab19]

I was thinking about addressing the letter to the guy who wrote the letter to my mum & dad.

Would this speed up the time it takes to get looked at?

or should I just address it to the address on the top as normal.

 

Here is what I've come up with so far, don't no if i've understood you right, but i've put what I thought you meant xd.

 

Letter:

 

Dear Guy who wrote the letter

 

I thank you for your letter of the 23rd February 2015, its contents and the kind of of PPI redress on our two loans.

 

 

However, I am slightly concerned that the redress figures quoted do not appear to align to the method of calculation published by the FOS.

Particularly, I draw your attention to the rollover of PPI from loan 1 into loan 2 in this refinance process.

 

 

From the statements I have for my loans, I cannot see any Loan 1 PPI rebate at this time,

In redress now, I believe I should be entitled to this as detailed in my spreadsheet.

 

 

you have quite correctly identified the £130.80 I had actually paid for PPI to that point

but have failed to address the £350 PPI carried over into loan 2 and the additional loan 2 interest charged on it.

 

 

We request that you address this concern and your subsequent offer figure

 

Yours Sincerely

 

Signed

 

Mum & Dad's name printed

 

Thanks

Andrew

[Mike_hawk]

Reference to comparative redress http://www.financial-ombudsman.org.uk/publications/technical_notes/PPI-comparative-redress.pdf

 

Example of refinancing redress http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/redress.html#examplewherethe

 

Also page 16 of this one may be helpful http://www.financial-ombudsman.org.uk/publications/ombudsman-news/117/issue117.pdf

[Ftgab19]

Thank you Mike,

 

So am I right in saying they have decided that we would of been better off and would of preferred to take out another form of PPI.

So they have calculated the claim on that assumption.

 

But I know full well and they should thanks to the FOS questionnaire that my mum & dad wouldn't of needed any type of cover.

Because they both would of got redundancy and a member of family would of took up the cost of repayments if they fell short after the redundancy.

 

Also to make things more complicated my parents have been paid today instead of the 28 days Halifax said they would pay us in.

I just need some help getting what I've said above in the form of a letter.

 

Thanks

Andrew

[Mike_hawk]

Thank you Mike,

 

So am I right in saying they have decided that we would of been better off and would of preferred to take out another form of PPI.

So they have calculated the claim on that assumption.

 

Yep

 

But I know full well and they should thanks to the FOS questionnaire that my mum & dad wouldn't of needed any type of cover.

Because they both would of got redundancy and a member of family would of took up the cost of repayments if they fell short after the redundancy.

 

Also to make things more complicated my parents have been paid today instead of the 28 days Halifax said they would pay us in.

I just need some help getting what I've said above in the form of a letter.

 

Thanks

Andrew

 

You don't need to say too much at all to it,

just respond that whilst you clearly believe you are entitled to redress

you reject its calculation formula where there is no evidence that a policy

would either have been required or purchased no matter the cost.

 

You could ask it to state the reasons and/or evidence it relied upon and go on to suggest that you have accepted its payment

[paid by cheque or direct to bank account?] as a partial settlement

[Ftgab19]

Thanks Mike,

 

This is what I've come up with for the letter from what you've said.

 

Letter:

 

Dear (Guy who signed the letter)

 

We are in receipt of your letter dated 23/02/2015 concerning are PPI loan claims. After assessing your outcome, we believe you have overlooked a few key areas in are claim.

 

We agree that we are clearly entitled to redress, but we reject your calculation formula, as there is no evidence that a policy would either have been required or purchased no matter the cost.

 

We request you to state your reasons and/or evidence your decision relies upon. We also accept your payment paid to our bank account as a partial settlement.

 

Yours Sincerely

 

I'm planning to send this letter out today, is it okay or should I add more detail? Like the amount that was payed and the account it was payed into?

 

Thanks

Andrew

[Mike_hawk]

Actually, just read the redress letter again and it isn't using an alternative.... but it does seem a long way out from your calcs that I can see on here as attachments.

 

Could you bring forward to 1 post the more recent of your spreadsheets, also the dates of the loans [draw down and settlement dates] so we can try to reconcile any differences

[Ftgab19]

Hi Mike,

 

Sorry for the late reply, I'm not 100% sure on what you mean by draw down but here are the dates and all the details I can find for the two loans.

 

loan 1:

 

Loan Start: 15/05/01

Loan term: 96

Cancel date: 03/04/03

Expiry date: 14/05/09

Cover amount: 3201.07

Life Single Cover: 3201.07

Accident & Sickness - Single Cover: 57.16

Unemployment - single cover: 57.16

Life Single Cover: 3237.95

Accident & Sickness - Single Cover: 57.33

Unemployment - single cover: 57.33

Customer premium split: 2.24

Customer Earned Premium split: 54.82

Gross Earned Premium split: 54.82

Net Earned Premium split: 41.27

Cover/Premium change date: 15/04/03

Effect date: 30/04/03

Input date: 02/05/03

Loan 2:

 

Start date: 22/04/03

Expiry date: 21/04/09

Loan term: 72

Cover type: Single Cover

Cover amount: 698.17

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.65

Unemployment - single cover: 99.65

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.69

Unemployment - single cover: 99.69

Life Single Cover: 698.17

Accident & Sickness - Single Cover: 99.72

Unemployment - single cover: 99.72

Customer premium split: 3.92

Customer Earned Premium split: 289.18

Gross Earned Premium split: 289.18

Net Earned Premium split: 2.18.28

 

I've also uploaded an up-to-date spreadsheet.

 

Thanks

Andrew