halifax passes corrospondence to legal team

[rosie posie]

hello ,have sent 2 recorded delivery letters to the halifax giving them 7 days to sent cheque to me after their last letter awarding me £4000 plus, but they where sending it to DCA within 28 days, i sent them a copy of the statement i got of them saying the account was repaid and a strong worded letter , today got reply thanking me for recent correspondence and it had been passes to their legal team and where awaiting comments and would respond within 21 days and thanking me for my patience from the 6th or 7 th customer relations manager i have dealt with. any advise please

[rosie posie]

can anyone suggest a letter i can write ,i have already give them 14 days since last letter

[alanalana]

hello ,have sent 2 recorded delivery letters to the halifax giving them 7 days to sent cheque to me after their last letter awarding me £4000 plus, but they where sending it to DCA within 28 days, i sent them a copy of the statement i got of them saying the account was repaid and a strong worded letter , today got reply thanking me for recent correspondence and it had been passes to their legal team and where awaiting comments and would respond within 21 days and thanking me for my patience from the 6th or 7 th customer relations manager i have dealt with. any advise please

IMO it is time to submit a complaint to the Financial Ombudsman Service as you seem to be being messed about by halifax.

Links that may help with your claim for Mis-sold PPI
Financial Ombudsman Service

http://www.financial-ombudsman.org.u...-insurance.pdf

You should be sure to send copies of all correspondence sent and received so far. This will enable the Ombudsman to at least have an idea on your side of the PPI issue. The FOS should then ask halifax to present its case and then the adjudicator or ombudsman will make a decision. You must be aware that the FOS are upholding about 90% of complaints so you should stand a good chance of success.

Make sure you speak to them first and in fact they will always call you back to save your phone bill. Give them as much information as possible and always keep spare copies of everything you send.

The FOS route takes time but the only cost will be your postage to the fos and any copying costs. It will however cost the halifax £500 for the FOS investigation.

You may even consider writing to halifax to let them know your intended actions.

aa

[rosie posie]

many thanks for your advise alanalana i will probably do that only problem is the loan was written off , but they sent a statement to me that said account was repaid, ( don't know how)i was just incensed a the thought of the DCA getting £ 4000 so not sure how far to push it

[alanalana]

Originally Posted by rosie posie

many thanks for your advise alanalana i will probably do that only problem is the loan was written off , but they sent a statement to me that said account was repaid, ( don't know how)i was just incensed a the thought of the DCA getting £ 4000 so not sure how far to push it

All the way to a win

If you need further advice remember CAG has many forums not just PPI but legal, Debt, even parking and shopping

So somewhere in here you should get the advice to help you along.


aa

[rosie posie]

thanks .i think i'll send them a letter first telling them i am going to proceed with fos

[alanalana]

Good Luck

keep posting

aa

[rosie posie]

alanalana just reading through some of your posts and which have just jolted my memory ,the ongoing issue of the loan , i have just realised was a top up from the oringinal loan ,which you have to pay off ,thay must have had ppi attached,is there a time limit to claming

[alanalana]

Originally Posted by rosie posie

alanalana just reading through some of your posts and which have just jolted my memory ,the ongoing issue of the loan , i have just realised was a top up from the oringinal loan ,which you have to pay off ,thay must have had ppi attached,is there a time limit to claming

Various views on this some say six years in line with the money laundering act but my own view is the banks probably/definately keep records for longer than this. However since the massive take off on reclaiming the banks and other institutions are trying to avoid massive mis-selling by saying anything beyond six years has been destroyed. This fails on the fact that if the account is still active they should still have all of the records and if the account is not active they should at least have the accounts from six years after the account was last active.


So account active up to 2004 should mean records available up to 2010 and to the exact month the account ceased to be active. I believe banks keep records much longer than this and are only now using the six year period to fight of the huge amounts of claims.

Fight On

aa

[rosie posie]

thank you alanalana, this present loan for ppi is about 2004,so the original one 2002 or 2003, does anyone have a letter or advise on the line i should take to the halifax while they um and ar for the next 21 days as to who gets my ppi award , me or DCA. they will be looking over the statement THEY sent to me saying in black and white ,that the account has been paid in full thanks

[alanalana]

thank you alanalana, this present loan for ppi is about 2004,so the original one 2002 or 2003, does anyone have a letter or advise on the line i should take to the halifax while they um and ar for the next 21 days as to who gets my ppi award , me or DCA. they will be looking over the statement THEY sent to me saying in black and white ,that the account has been paid in full thanks

If you have all the copies of your consumer credit agreements then ask for a full refund of all PPI premiums you have paid and insist the refund is paid to you by way of a personal cheque. You are claiming back the PPI as mis-sold with the loan so any rebate/refund should NOT be used to pay off any arrears on the loan to the DCA.

aa

[rosie posie]

thank you , i will compose a letter tomorrow, any idea what line to take with them rosie posie