i had illness cover with the halifax and when i was injured and tried to claim they put me through a consolidation loan application instead ??? after years of complaining about why they had not allowed us to complete our application they finally gave in then responded claiming " we had applied to late"??? now its with the f.s.o and i,m waiting for a response ( 12 years after we first started our complaint!!!) halifax???? dont touch them with anything!!!! lying con artists!!!

Hi Zeb

Thanks for the swift reply, the halifax total mortgage protection was sold to me as one premium and we were not told that life cover and illness cover were seperate parts of this premium. Neither were we asked if these were needed or alternatives offered. I cancelled the whole policy last year as i have other life and illness cover so this was not required and i had life and illness cover from the inception of the halifax tmp cover. I was not offered a split option for mortgage repayment cover only and halifax told me i was required to have their total mortgage protection policy.

Surely I must be entitled to my premium back as it was not explained or required and they never checked this with me. Also it was all bundled into one premium payment and never displayed as seperate options.

Also if i accept the mortgage payment cover premium payments back (ie partial refund) can i still make a case against the missold life and illness cover.

I;m concerned that if i turn down the partial refund that i will loose it totally

Thanks again Dave

Are you aware that the Life Assurance and Critical Illness Cover (CIC) that you talk about is not PPI and as such I don't think you are able to claim these premiums back.

If you aere able to claim these premiums back then I would absolutely think twice before looking to get this refunded as this policy is what will repay your mortgage in the event that you were to die within the term of the mortgage or to suffer a serious illness within the term.

Life Assurance and CIC is unlike PPI which (if claimed on) will pay out a small cash value every month, the life and CIC policy will pay out a lump sum to you and (if the job weas done correctly) will payout a minimum value equivilant to the value of your mortgage balance (at least)

When sold against a mortgage is it pretty hard to mis-sell something that will repay the mortgage balance in the event of your death. Unlike PPI which was often sold without advice, knowledge or qualifying whether you could claim on the policy - Life and CIC policies are underwritten before they can go "On Risk" and so you will have gone through a medical questionnaire at the very least to qualify and implement such a policy.

Whether you can claim on this type of policy or not I would recommend that you do not try to claim these premiums back as it will almost certainly end up with the policy being cancelled and your mortgage having absolutely no cover to repay the balance in the event of death or serious illness. This would mean that if you have a joint applicant on the mortgage that the full debt would fall on their shoulders if you have no cover.

I would highly recommend that you speak to a mortgage broker or a financial adviser before trying to claim......it could cost you far more than lost premiums

hi, I'm going through the process of claiming back my Halifax total mortgage protection premiums. I;ve filled out the claim form and sent it back to the halifax. Today after 12 weeks they have offered me a partial refund which covers the mortgage repayment cover but are saying that the life cover and critical illness elements were seperate and therefore not included in the refund. When i took out the policy, i was given one monthly payment figure which was not broken down into life, illness and mortgage cover. It was never explained to me in this way nor was a needs or suitabiliy analysis done before offering me the cover. I want my premiums back but am unsure if i turn down the partial refund that i will loose it totally.

Can anyone please offer advice on how i can claim back the other elements or are halifax just trying it on. Also if i decline the offer, could i loose it altogether?

thanks in advance

Dave