PPI Reclaiming discussion Part III

booi666

sahra wrote: »

Sorry, they sent me a copy of the original loan agreement in June 2008, but the copy was dated Sept 2002.

Did you say that the loan has now ended?

di3004

booi666 wrote: »

That was hsbc;)

Thanks Boo.

Do you think you could confirm the right address for Zebedee, are any of them the addresses the ones I posted in the above post any of those?
Thanks Boo.;)

booi666

di3004 wrote: »

Thanks Boo.

Do you think you could confirm the right address for Zebedee, are any of them the addresses the ones I posted in the above post any of those?
Thanks Boo.;)

All i did di, was send it to my own branch and they forwarded it to the correct depo

di3004

booi666 wrote: »

All i did di, was send it to my own branch and they forwarded it to the correct depo

Cheers Boo, so if Zebedee has a local branch, is to do that then? and they should do the same for Zebedee?

Zebedee, have you a local HSCB branch local to you hun ?;)

booi666

di3004 wrote: »

Cheers Boo, so if Zebedee has a local branch, is to do that then? and they should do the same for Zebedee?

Zebedee, have you a local HSCB branch local to you hun ?;)

I only asked for the original agreement and a few other things not a sars,

I just took it to my branch for ease and a letter came back saying hsbc dont charge for the information and give me my quid bk, and obviously no agreement turned up!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

sammy452

Hi
My hubbie has put in a complain to Natwest on 1st Dec to and received a standard response from RBS on 9th Dec. On 9 Jan received letter stating still investigating and would take a bit longer but will get to him in 4 weeks. Today he received virtually the same letter saying it is taking longer but will get back as soon as possible (however this was signed from a diff case officer than the last one). They do say we can go to the ombudsman but should we write back and let them know we are giving them 14 days before going to ombudsman or shall we go straight to them?
Any help will be greatly received.
Thanks

zebedee70

All - had a quick look at the PPI guide on the FLA website - appears that there are 2 types - one where the bank advises you directly to take PPI (whereby they have to sell it to you appropriately, taking circumstances into consideration). The second is where you are provided with the PPI detail in paperwork (as is normally the case with a c/card) - in this circumstance, it appears that you, as the consumer, have to find out whether PPI cover is appropriate, and CHOOSE to opt in accordingly.

As my situation is no.2, I would assume any challenge to a bank or c/card company over PPI would result in a 'you're responsible, not us' type of reply...and I guess they'd have a point?

Anyone heard of a C/Card payout on PPI in these circumstances?

Sorry to keep reiterating this point - just trying to save on the time & expense of a SAR, if the payout is 99% not likely...

di3004

booi666 wrote: »

I only asked for the original agreement and a few other things not a sars,

I just took it to my branch for ease and a letter came back saying hsbc dont charge for the information and give me my quid bk, and obviously no agreement turned up!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Right I see thanks Boo.;)

I will check out online for the actual compliance dept for the SAR side of things.....just in case the local branch do not send the request off.;)

sahra

booi666 wrote: »

Did you say that the loan has now ended?

Yep loan has ended.

di3004

sammy452 wrote: »

Hi
My hubbie has put in a complain to Natwest on 1st Dec to and received a standard response from RBS on 9th Dec. On 9 Jan received letter stating still investigating and would take a bit longer but will get to him in 4 weeks. Today he received virtually the same letter saying it is taking longer but will get back as soon as possible (however this was signed from a diff case officer than the last one). They do say we can go to the ombudsman but should we write back and let them know we are giving them 14 days before going to ombudsman or shall we go straight to them?
Any help will be greatly received.
Thanks

Hi Sammy

The choice is not yours, if you feel your not getting anywhere with these and they had mentioned the FOS at this stage, I would get prepared for this now, you can download a complaints form online, I will add the link for this below, or you can ring them to send one through the post.

If you decide to go to the FOS at this stage, take a few copies of the form, to also send to Halifax, write a letter to them and tell them you have decided to take your complaint to the financial service ombudsman, and have enclosed a copy of the form for their interest and records, (they may still reconsider at that stage) and if successful while your complaint is within the FOS, just let the FOS know.

Also send copies of correspondence with the complaint form to the FOS.

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Let us know how you go hun and good luck, either way.;)