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Halifax Payment Protection

Halifax is part of the Lloyds Group, the country’s largest banking group, and is a leading provider of residential mortgages. In recent years, Halifax has been affected by the payment protection mis-selling scandal.

Halifax payment protection insurance has been sold for many years alongside mortgages. The insurance is designed to cover the policyholder if they are unable to work due to involuntary unemployment, sickness or accident. The cover provides excellent protection in some cases, but is not suitable for everyone. Reasons a policyholder may not be suited to mortgage payment protection insurance include if they have a pre-existing medical condition or are over the age of sixty-five. The cover may also be of limited use to other customer’s if, for example, they already have cover in place elsewhere or are entitled to full sick pay from their employer. Unfortunately, despite the case they were unsuitable or even eligible to use the cover some customers were still sold PPI.

If you have been sold a PPI policy which you have subsequently discovered is unsuitable for you, you have the right to make a complaint and you could receive compensation. You may also be entitled to compensation if you have been sold a policy without being given full information regarding the policy or after being given information that you later discovered was incorrect.

Since 2005 1.5 million people have registered claims regarding payment protection insurance and this is likely to continue to grow since the recent High Court Review ruled against the British Banking Association. Following the High Court’s ruling Lloyds announced it would be allocating £3.2 billion to deal with PPI claims (including Halifax payment protection complaints).

If you think you may have been mis-sold a Halifax payment protection policy or you would like to make a PPI claim against another lender call our claims team on 0207 471 2000. We have already helped 60,000 customers make a claim and we work on a no win no fee basis.*

We also help customers with claiming back bank charges. If you have ever paid an over the limit fee or late payment charge on your credit card then you may be entitled to claim a refund from your bank or credit card company. A 2006 investigation by The Office of Fair Trading (OFT) found that the fees applied by some lenders were unfair. In some instances charges of up to £35 were being applied each time a customer accidentally exceeded their limit or made a late payment regardless of whether the payment was just one day late or they exceeded their payment date by just one day. These charges often financially disadvantage customers who were already in difficulties with charges being levied again and again. Following their investigation The OFT announced that it felt any charge of over £12 was unfair and most lenders have now dropped their charges to this level. If you have previously paid charges; however, you may feel angry that your bank has applied fees that have now been deemed unfair. The good news is that you can now make a claim to try and recover these charges. To find out more call our team today.

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Belmont Thornton Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website number 18273

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit B11, Kestrel Court, Harbour Road, Portishead, Bristol, BS20 7AN and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

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* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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