Halifax Mortgage Protection Insurance Reviews - www.halifax.co.uk

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Media Gallery for Halifax Mortgage Protection Insurance www.halifax.co.uk

Halifax Mortgage Protection Insurance www.halifax.co.uk

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Latest Reviews

★☆☆☆☆

“DO NOT USE ”

Written on: 10/11/2014 by BILBOTHEDOG (1 review written)

USELESS USELESS USELESS. PROVIDED PROOF THAT I HAVE BEEN UNEMPLOYED, AFTER THE USUAL RUNAROUND. NOW THE WANT A COMPLETE TAX RECORD FOR FOR ENTIRE EMPLOYMENT. THIS TAKES 30 WOKING DAYS FROM HMRC. (6 WEEKS). I HAVE BEEN LIVING ON £76.40 FROM THE DSS FOR 5 MONTHS, AND HAVE TO NOW BEEN SELLING POSSESSIONS ON EBAY, TO KEEP THE BILLS DOWN. I WAS MADE UNEMPLOYED IN MARCH IT IS NOW NOVEMBER. THEY PHONE FROM TIME TO TIME ASKING IF I STILL WANT TO PURSUE MY CLAIM!!!!!… Read Full Review

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★☆☆☆☆

“DO NOT USE HALIFAX ”

Written on: 09/10/2014 by 357Robles (1 review written)

I have paid for unemployment cover for over five years ,and have been chasing payment for two months now,they asked for four months payslips,letters from my employer, proof from the job centre that I am claiming benefit and that I am unemployed ,and still no payment, every time I contact them they say they will be in touch in 11 days, what can I say utterly rubbish customer service, you don't expect this kind of service from HALIFAX,but that's exactly what you get if you take out a policy with… Read Full Review

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★☆☆☆☆

“humiliating service”

Written on: 21/06/2014 by olwen669 (1 review written)

Paid for 8 yrs & last year my doctor placed me on the sick with depression, anxiety & stress. I found St Andrews Insurance staff helpful at first & they paid the first 3 months but they don't keep you informed on claim & letters arrive late. Canceled my claim as no supporting psychiatrist to support claim, BIG MISTAKE AS SUPPLIED DOCTOR REFERRAL NOTE TO CPN COUNSELLING-BREACH OF CONTRACT & NOW THEY WONT RETURN MY CALLS!!!… Read Full Review

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★☆☆☆☆

“Halifax the bank that like to say no”

Written on: 03/09/2013 by S.sanders (1 review written)

Unfortunately I was made redundant in Feb 2013 had Halifax insurance what a joke they put adverts on the television saying how good they are pity they did not say how bad their insurance side of the business is VERY BAD INDEED would not recommend this side of the business to anybody .that don't do what they say they put more hurdle in your way and its our money they are playing god with dont know any body who is pleased with them… Read Full Review

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★☆☆☆☆

“PPI CLAIMS”

Written on: 13/12/2012 by kanekane1gary (1 review written)

WHAT CAN I SAY.....LOTS, AND IT'S ALL BAD. MY MORTGAGES INSURANCE CLAIM HAS BEEN A NIGHTMARE. ALL INFORMATION FOR THE LAST 3-MONTH CLAIM HAS BEEN SENT FOUR TIMES NOW AND SIX MONTHS ON, STILL NO PAYMENT. A PHONE CALL TO THEM EXPLAINED THAT NO PAYMENT COULD BE MADE UNTIL I SIGN THEIR LETTER, WHICH APPARENTLY HAD BEEN SENT IN THE POST 1ST CLASS TWO WEEKS PRIOR TO MY CALL. A FIRST CLASS LETTER DOES NOT TAKE THIS LONG, BUT AMAZINGLY, IT ARRIVED TWO DAYS AFTER MY CALL. ALL INFORMATION WAS SENT… Read Full Review

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210402Spaniel's Response to kanekane1gary's Review

Written on: 24/04/2013

Agree we are still having probs six months down the line,its appears that since being taken over by St Andrews/LLoyds tsb they have moved the goal posts making it harder to claim.

They want to hold on to your money,whilst your mortgage goes into arrears,so in the end they gain,and not you.
The gov or to look into this,and should be better regulated.

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★☆☆☆☆

“shocking”

Written on: 12/09/2012 by TINKERBELL1992 (1 review written)

WISH I HAD READ THE REVIEWS, SHOCKING , DO NOT USE THIS!!!!! I WAS MADE REDUNDANT ON 29TH JUNE THIS TEAR AND HAD MORTGAGE PROTECTION WITH WHOM I THOUGHT A REPUTABLE COMPANY, THEY TOLD ME AT THE BANK IT WOULD PAY OUT FROM DAY ONE, ( NOT THE CASE ) 30 DAY EXCESS!!!I ALSO TOOK OUT EXTRA TO COVER THE BILLS, I WAS SUPPOSED TO GET £650 A MONTH I WAS OUT OF WORK FOR 3 MONTHS AND GOT £149 FROM THEM , BEING TOLD THAT I DON'T GET ANYTHING UNLESS I REGISTER WITH THE JOB CENTRE WHICH I DID, NEEDLESS TO… Read Full Review

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Patsy54's Response to TINKERBELL1992's Review

Written on: 27/05/2013

,totally agree with you, made as hard as possible to make a claim, i have paid in since 2002 and was made redundant in november 2012. The service is appalling, hoop after hoop has to be jumped through, constantly faxing more paperwork to prove unemployment, jsa has just ended so now expected to provide evidence of jobsearch, rejection letters, applications, cover letters, 3 each month, harder than you think as most companys do not respond to job applicants. Have never had the full 30 days amount that i should get, last payment was for 25 days, not enough to cover mortgage and insurance payment. Phone to get explanation, waste of time, staff mainly rude and indifferent, seem to try to make it as stressful as possible, letters take 2 weeks to get to you, text message service that they say they provide is non exsistent. Anyone thinking that because they are with a reputable company are in for a shock when they try to claim on this insurance, halifax banks where the staff are friendly and helpful and the insurance part based in ireland are totally different, unfortunately you do not know how bad it is till you make a claim. I intend to take my mortgage, bank account and insurance away from halifax as soon as my situation improves.

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★☆☆☆☆

“What a terrible service”

Written on: 28/06/2012

It's easy to blame yourself as you are feeling low but I documented and sent Halifax everything. They provide a terrible service. You have to remember they have your money. If I had just put the money in a jar I would be better off. The pack they send you is riddled with errors. They tell me they will only pay out 75% of any cover level. We payed in extra to cover the bills but they tell us they will not honor that unless you are made redundant as husband and wife. Hoop after hoop. They… Read Full Review

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★★★★☆

“No problems”

Written on: 10/05/2012

I think in some situations it is easier to blame someone else. Always make copies of documents. Get a folder to keep bank statements etc. This is the 2nd time we have made a claim, partner is in building trade so we've always had to pay for protection. We did have problems with claim dates as the jobcentre got it wrong but that was not Halifax to blame. If you provide all the right documents and declarations will have no problems. If company goes into liquidation its for the administrators to… Read Full Review

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★☆☆☆☆

“Stressed,sold house”

Written on: 26/04/2012

In 2007 was made redundant but "hey" I had a Halifax total protection Insurance which I had paid into for 15 years, I was informed should I be made redundant the mortgage would be paid for a year! What a joke! They wanted copies of every job applied for, cover letters, records of phone calls for jobs, job seekers information and this has to be sent off every month to claim on the insurance. I was told I had to apply for at least 6 jobs a week and provide evidence or they would not pay up. To… Read Full Review

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Financeguru88's Comment

Written on: 09/10/2013

Typical thoughtless comment, what you expect Halifax to pay out when you aren't looking for work?? COME ON MAKE SOME LOGICAL SENSE, YOU MUST BE LIVING IN ANOTHER UNIVERSE

THIS WOULD BE A NEGATIVE 5 STARS FOR A COMMENT LIKE THAT, WHAT WITH PEOPLE LIKE ME WILLING TO PROVE THEY ARE LOOKING FOR WORK? SHAME ON YOU! !!

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Sickofattitudes's Comment

Written on: 21/05/2014

@Financeguru88's ridiculous comment!
This is a review site and that is his experience, who do you think you are, to have the right to slate his experience with a USELESS COMPANY ... do you work for HALIFAX/ST ANDREWS INSURANCE? ... or DWP? ... or just a very sad person thrawling the web for insurance reviews maybe thats your "thing" ... help me here as you dont make any LOGICAL SENSE!!!
So get off yr high horse and judging people who are obviously having a hard enough time as it is. If you have nothing constructive to say then GET A LIFE ... I will be putting a review up soon, you gonna judge me aswell??

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★☆☆☆☆

“Bunch of wasters”

Written on: 06/04/2012

Made redundant and these people have made it worse - lost documents that were faxed from their branch didn't bother to tell me they had lost them but waited for me to ring and ask why I had not heard anything, accused me of not signing it - funny I had the originals which were faxed so that was a lie, had to speak to a manager to get them to accept a copy of giro and letter as the Jobcentre weren't paying into my account, they are obstructive and unhelpful, it's not even as though they are… Read Full Review

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Lovacott's Comment

Written on: 04/04/2013

same here same excuses same lies had to speak to local manager also didnt make much difference they still done Again

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★★★★☆

“am i dealing with a different company”

Written on: 01/03/2012

my wife and i took out halifax tmp back in 1994, in nov 2010 i sufferered a stroke and havent been able to work since left severely disabled. i am on disability benefit . i put in a claim in march 2010, received first payout mid april 2010 less usual 30 waiting days , so far received regular payments. i find it hard to beleive im dealing with the same company as other from other reviews. i have no complaints whatsoever!!!!!!!… Read Full Review

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★☆☆☆☆

“Under no circumstances use these people unless of...”

Written on: 09/03/2011 by trickyz57 (1 review written)

Under no circumstances use these people unless of course you have no choice.
As stated in previous reviews no email or telephone advice of progress. Letters take days to arrive and the staff are uncoperative. I recently had the misfortune of being made redundant and these people are adding to my stress levels. The company cannot be further away from Barclaycard who processed the claim swiftly and efficiently.
Mere words cannot express my extreme dissatisfaction with this company and would have… Read Full Review

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★☆☆☆☆

“Poor documentation, inconsistent service, no 24 hour...”

Written on: 23/02/2011

Poor documentation, inconsistent service, no 24 hour text notification (although stated both wihtin auto telephone responses and on some documentation), letters sent fom Ireland handled by UK postal service as 2nd class - sometimes take up to 10 - 15 days to be delivered, (assuming they have been posted at all or on the dates advised). No system to use email, no system to enable return fax calls. Basically a semi-usless out of date operation with call handlers who seem disinterested, possibly… Read Full Review

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★☆☆☆☆

“Absolutely shocking! This should really be called PMP...”

Written on: 30/11/2010 by mattjwuk (1 review written)

Absolutely shocking! This should really be called PMP rather than TMP as it's partial, not total protection... I am in a terrible state with my mortgage and being continually chased by Halifax here in England over my arrears. Halifax Insurance IRELAND Ltd cannot guarantee to make the full payment or when to make it so I cannot setup an arrangement. What's more, neither Halifax Insurance Ireland Ltd or Halifax Bank talk to each other!
They are unhelpful to say the least and I would not recommend… Read Full Review

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★☆☆☆☆

“Halifax Total Mortgage Protection? What a joke! ”

Written on: 17/07/2010

Halifax Total Mortgage Protection? What a joke!
In June 2008 I was diagnosed with a disability i.e.both Dyslexia and Meares Irlen Syndrome and tried to make a claim onmy Total Mortgage Protection Policy.Initially I was informed by a telephone Adviser at the Halifax TMP department "The good news is that there is no bad news.You are completely covered". 2 years on I have been to hell and back, having failed my CEFA exams owing to my disability, lost my job I am still getting no satisfaction with… Read Full Review

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★☆☆☆☆

“I have just phoned these people now again and again...”

Written on: 01/12/2009 by Mackster (1 review written)

I have just phoned these people now again and again and again, and first registered this claim in August 2009.
I appreciate that because i was made redundant and received payment in lieu of notice i had to wait till October to claim.Then i had to wait 30 days to qualify again procedure i think! and should have been paid this month of which i have not.
They seem to come out with reason after reason to stop paying out as that how it appears to me they say this time its because i had a break in my… Read Full Review

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★☆☆☆☆

“we have had halifax morgage protection for...”

Written on: 30/10/2009

we have had halifax morgage protection for unemployment since 1997 we were told we could only have morgage if we took this policy out to cover our morgage as my husband was and still is self employed and that if he was to ever be out of work this policy would cover the morgage BUT this is not the case as i found out this morning that it only covers bankruptcie they would only pay out if my husbands self employment was to cease completely in other owrds go BUST i am shocked and disgusted that… Read Full Review

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★★☆☆☆

“I have recently had to make a claim on my policy. It...”

Written on: 07/10/2009

I have recently had to make a claim on my policy. It took 4 months before the first payment was made, although they were back dated but excluded the first 30 days.
My concern is that payments from this policy are made for 2 years as long as I am signing on for Job seekers allowance.

However if I'm on Job seekers for over 6 months then I go on to a non contribution based job seekers allowance, at which point I have been told that if job centre find a job that they deem is suitable for me at… Read Full Review

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☆☆☆☆☆

“At last I have promise of a sum of money being paid...”

Written on: 10/06/2009

At last I have promise of a sum of money being paid into my account for my mortgage. This has been backdated to Feb when I made my first contact with halifax due to redundancy, altho not happy they dont pay the first month you are redundant.
I only achieved this by contacting a mortgage advisor based in a city of london branch, had always been very professional in the past. He was extremely helpful.
Any way, at the end of a very long road. Now bak at work. and looking for another company for… Read Full Review

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☆☆☆☆☆

“I agree, DO NOT fall for the wonderful sales...”

Written on: 03/06/2009

I agree, DO NOT fall for the wonderful sales pitch..... once you need to make a claim, as I did due to redundancy February 2009, helpfullness goes out of the window!!! Very unhelpful, make numerous calls, requesting can I speak to the person dealing directly with the call, Im told they dont take calls. I applied for the cover back in Feb 2009, and now its June 2009. I have filled out the numerous forms that triclke out to you.... and like one of the previous reviewers have now had a late… Read Full Review

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