PPI Reclaiming discussion Part III

pinknico

Spacey1971 wrote: »

Just wondering if anyone has any idea on the following.... Some months ago I realised I was paying PPI on a Credit Card which I cannot remember signing up for as I usually dont. Anyway, I cancelled this payment no problem but was just wondering if I had any case for reclaiming these PPI payments even if I am not sure if I agreed to them in the first place?

If you send the company an SAR you should be sent all the information about the account and how the PPI was added. Or you can just write to the company and say you believe you were mis sold as PPI was added without your consent and see what they come back with.

cot1198

scrumcious wrote: »

Morning to everyone, I just thought I would post up whilst having my toast and coffee, but ive been thinking (oh dangerous) I am in the process of claiming ppi with hsbc i have sent second letter after receiving first letter of decline, anyway been thinking I have been a customer with this bank for over 20 years and we have our mortgage and a loan ontop of the mortgage , my current account, overdraft facility and savings account (with nowt in it mind) but my thinking for the day is that they get loads of money from me from interest to bank charges ect, so i think its now time to get something back from them eg ppi. Anyway dont want to blab on but there's my thoughts of the day. Its better in my pocket than theres.
I will post up if I have any luck, here's hoping.
thanks to you all and this forum.

thats interesting I too am a "good customer" of HSBC.
I have a cheque account, ISA, credit card, home insurance and a not too small overdraft with them and it does seem the more tied in with them you are the harder it is to get anything back from them. I have been knocked back on claiming credit card charges, credit card PPI and loan PPI all now going through FOS
so it does makes me think that they are thinking that if a customer is so tied in with them they are less likely to make a fuss or even leave the bank altogether. but if a customer no longer has a connection to the bank they will be more willing to offer compensation to them.
A case in point is I was with Natwest for a number of years but left when I opened my HSBC account and I have since successfully claimed credit card charges and bank account charges without any fuss or needing to go to the FOS

amersall

Incipience wrote: »

I think its time that the SAR templates be reworded to request the disclosure of commissions paid and commissions recieved.

What do you all think?

yes i do, ihave a complaint with first plus and have requested they let me know how much commision the person who sold me this got (the ppi was 22,506) bet that was a nice bonus for her!

di3004

tunathe_cat wrote: »

hi
barcalycard
b.c has been taken out by o.h many moons ago self employed ppi was always on each month statement. when finding monthly payments difficult - but still paying i quiried and asked b.c what this amount was as we had never knowingly signed for ppi - they said they would cancel and return 2 months ppi charges this was probably in 2006/2007 summertime. the 2 months was all call handler was allowed to do.............

o.h. continues meeting monthly payments his last statement was on june 2008....... h.h has never received any paperwork to this date re this account again.
in july 10 2008 b.c change names on the account - i receive a formal demand for payment letter.
"as you have not compiled with the recent default notice the outstanding balance shown is now due in full ....
b.c. pppi , this has now been cancelled and no further premiums will be debited to your account .....(this is not my account)

20/08/2008 i sent cca req AND £2.00 track and trace received 21/08/2008 no reply
10/10/2008 is sent you have failed to respond track and trace rec13/10/2008 no reply
when trying to reached b.c and give account number they quote data protection as account is not mine

17/11/2008 ccj received THIS IS IN MY NAME
complete defence section with help of c.a.b. return to court

21/11/2008 adviced to speak with f.o.s. they gave me a non indian telephone number to ring at bc to make a formal complaint
two hours later...... informed after a lot of data protection problems
b.c. had made a error and missold this account with incorrect name on it ie mine..... dont worry about ccj it will be cancelled they will investigate to see what is wrong and write and inform myself of the outcome and also correct named person who the account belongs to..

25/11/2008 receive confirmation from court re defence. claimant must contact court with 28 days after that time elapsed calaim will be stayed...

letter dated 19/11/2008 from solicitor of cl finance you will have now received a ccj payment due in full...

NOTHING HAS BEEN RECEIVED IN POST FOR MYSELF OR ACCOUNT HOLDER HUBBY.

OPEN POST 20/01/2009 I have been sent an allocation questionnaire to be completed and returned to court by 02/02/2008

20/01/2009 contacted bc english number to be told offical complaint closed as they had not heard from me re 3 letters sent. nov dec 2008 jan 2009
spoke with next manager who agreed to resent dec and jan letters recorded del ( only recd dec letter) ... looking into case thankyou for being patience will wrtie to you in jan with outcome.
b.c will not allow me to open another complaint as it is linked to the closed complaint.

21/01/2009 F.o.s have given ref number and making offical complaint to b.c.

help re above please re allocation questionnaire - have appointment cith cab this thurs to fill in a.q

Hi there,

Just quickly went through your post, have you not received any of your requested CCA's yet?

You can always contact the information commissioner office as well who will be able to advise you about this here:
https://www.ico.gov.uk/Global/contact_us.aspx

Anything you don't receive that your entitled to especially if its documents over the last 6 years.

Could you confirm what is in the questionaire please?
It maybe one of those questionaires that everyone who claims for being mis sold are given these to complete, but not everyone fill them, they just attach a letter to the form to tell them they know everything from the beginning of the application.
That's if its the same form, where I believe they use these for stalling tactics.

Sorry if I have mis read your post.

I am sure someone will post up to help all they can here, good luck through this.;)

Di

pinknico

Hello Di, just a flying visit to say I have very BRAVELY emailed the FSCS again about my complaint!
I am waiting for the same snotty reply you got but it has been 5 weeks since they said they were concluding their investigation of Picture and were currently reviewing my complaint to see if it was eligable under their rules.
So they must have got somewhere surely!!!!!!

di3004

pinknico wrote: »

Hello Di, just a flying visit to say I have very BRAVELY emailed the FSCS again about my complaint!
I am waiting for the same snotty reply you got but it has been 5 weeks since they said they were concluding their investigation of Picture and were currently reviewing my complaint to see if it was eligable under their rules.
So they must have got somewhere surely!!!!!!

Hi Pinknico, hope your well.;)
Golly what are they up to?:eek:
Your right, there must have been some sort of movement by now..... .

Hope you receive a polite response from them, soon too.....;)

tylerlewis

tafstar71 wrote: »

Tylerlewis, I have a similar scenario with loans.co.uk, they want to offset against the loan if my claim is upheld, my ppi was £8100 added onto the loan at the start in one lump sum.. I too want a cheque, not to have it offset against the loan, what arguments did you use to succeed in getting them to offer a cheque instead?

Have PM'd ya

weissy

Hi all...

has anyones claim taken as long as mine? i reckon mine has been with the ombudsman for a good 10 months+ and is still waiting to be assigned to someone to look into it for me. I know there must be a huge number to work through but 10 months seems a long time to me.

Thanks

di3004

weissy wrote: »

Hi all...

has anyones claim taken as long as mine? i reckon mine has been with the ombudsman for a good 10 months+ and is still waiting to be assigned to someone to look into it for me. I know there must be a huge number to work through but 10 months seems a long time to me.

Thanks

Hi hun
So this is still waiting to be passed on to an adjudicator then ??

As one of mine was rather complexed it had taken approx 14 months from start to finish, hopefully you will hear something soon.;)

Do you mind posting who the company is your complaining against?
I would contact them by ringing or emailing them now and again, when was the last letter you received from them?
Cheers.:D

weissy

di3004 wrote: »

Hi hun
So this is still waiting to be passed on to an adjudicator then ??

As one of mine was rather complexed it had taken approx 14 months from start to finish, hopefully you will hear something soon.;)

Do you mind posting who the company is your complaining against?
I would contact them by ringing or emailing them now and again, when was the last letter you received from them?
Cheers.:D

Hey...

Yeah sure its Egg. I keep getting letters every couple of months saying were still waiting to be able to assign your case to an adjudicator etc.

I had a claim for HSBC done and dusted in a few weeks which i submitted around the same time and that flew through in about a month - so i was hoping for more of the same but obviously some of these take longer that others

Thanks for the speedy response