Halifax PPI potential claim but i need some advice please

mardi 3 mars 2015

Hi forum,



I have searched and absorbed lots of info in the last few hours , seeing if a similar problem to mine was covered, but although i have learbned a lot, i am unsure of which way to tackle my particular problem.



1) I took out a loan against my house in 2006 with the Halifax for £40k, and reluctantly took the advice on PPI because although it added £38 a month to my £430 monthly repayment, redundancies can happen at any time, so it did seem a sensible move.

2) I am proud to have never missed a payment in 8 and a half years later, but at Xmas i was told I am redundant.

3) While looking for a job, I got my documents out and rang the Halifax to tell them I was out of work and requesting a claim form,

4) The person checked and told me I wasn't covered for unemployment, and to check my paperwork.

5) The Total Mortgage Protection Plan policy summary quotes unemployment/critical illness/life cover as the three fundamental parts of the plan.

6) On a page of my personal letter detailing the policy, it has three columns and 'accepted' only against two, illness and life cover.

7) I felt sick/annoyed/light-headed that i had paid been 'duped' and when i recovered , I was determined to do something about it.



Right, now to the point of my post!!



I was definitely mis-sold PPI because it was the adviser asking me how would i pay the loan if i was made redundant, that made me agree to take the PPI. My health was and is good, but any add-on to the unemployment PPI was ok for me,



Is this the approach I should take, or am i being too specific? i.e. should i go for a straight forward general mis-sell because the ppi didnt suit my needs/wasn't explained properly approach.



Sorry for the long post but if anyone has time to read then all the info is there, hopefully.



Thanks in advance.



Regards,



JDLover





Halifax PPI potential claim but i need some advice please

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