Halifax Mortgage Protection Insurance 1987

[Planner]

Hi all,

 

Currently have a claim in with the FOS over a mortgage PPI claim back in 1987.

This in on behalf of my father (who was alive 2-years ago when he submitted the claim) but has now died.

I am continuing it on behalf of my mother.

 

 

I have today received a rejection letter from the FOS stating that they don't think the policy was miss sold

and that it was suitable for my father who was self employed.

 

 

When we made the claim my Farher distinctly recalled that he was told he had to have the policy

otherwise he wouldn't get the endowment mortgage

 

 

when he tried to make a claim on the policy, as he was self employed,

he was told he would have to renounce his company with HMRC etc in order to make a claim.

 

There's little we can do about the issue of being 'forced' to take out the policy on the threat of next getting the mortgage,

but hopefully there is something I can do about the policy not being suitable for a self employed person.

 

I attach the front page of the mortgage PPI certificate which Halifax have provided to FOS

 

 

unbelievable, they cant find the rest of the pages which I assume would say under what circumstances a claim can be made

- I know its a long shot but does anyone have a copy of the rest of the document

- which I assume will be general terms and conditions.

 

Thanks in advance.

[citizenB]

Hi can you please convert your image to pdf format, it is too tiny to read as it is.

 

Was the decision letter from a first tier adjudicator or from the Ombudsman proper ? If the adjudicator, then you should write back rejecting the decision and asking for it to be escalated to the Ombudsman.

 

These insurances were of no value to Self Employed people at all, so this decision is ridiculous. I will try and find someone who can advise further.

[Planner]

Hi,

 

Thanks for your response. I have converted to PDF.

 

 

We have already written back to the 1st tier adjudicator once rejecting their first decision.

The same adjudicator has now written back a second time (good 7-months later)

including various documents Halifax have sent,

including the certificate of insurance with all the various terms and conditions missing.

 

 

They have said that neither us nor Halifax have been able to show that the policy wasn't valid for a self-employed person/

was valid for a self employed person and therefore have found in favor of Halifax.

 

 

I have until early March to write back to escalate to a Ombudsman for review.

 

 

It would be useful if I could send the terms and conditions that Halifax have 'lost'.

 

Any Ideas?

 

Thanks again.

[citizenB]

I think you might have left your name on the document - have unapproved can you edit and replace

[citizenB]

You need to ask for an escalation to the Ombudsman proper.

 

IMHO, it is unfair to find in favour of the Halifax, if they are unable to prove their side of the claim !!

[Planner]

It doesnt matter, hes been dead for over two years, I will just leave the jpeg up if its a concern.

[slick132]

Hi Planner,

 

I would definitely reject the Adjudicator's decision and have the matter referred to an Ombudsman.

 

I would also try to get the review to focus on the "compulsory" nature of the PPI, rather than the issue of whether the PPI covered s/employed folk or not.

 

[citizenB]

It doesnt matter, hes been dead for over two years, I will just leave the jpeg up if its a concern.

 

Of course, I forgot about that, will reapprove for you.