PPI claiming - Few Questions? Please advice.

ramenkid

Hi everyone, I’m preparing to write to HSBC to claim mis-sold PPI. Just a few questions I want to know before I sent off the letter.

I had two graduate loans with HSBC which are both paid off. I had my first loan 2001. Then in 2002, I borrowed more money, with the new loan account, I paid off the first loan and that account was closed the same day I got my 2nd loan. I only managed to find one of the loan agreements, so I wrote to the bank requesting for both loans' agreement copies and t & cs, which I found the template letter from this website. It was a month ago and I haven’t heard anything yet.

However, whilst I was looking through all my past bank statements online yesterday, I found the loans’ ref nos and the amount I was paid in for both times, including the loan protection amounts they took. So now, even I don’t actually have the original agreements, can I still use the info I got to write to the bank to claim PPI, assuming they think I have the papers? Please note I don’t remember the interest rate etc.

I will just post the transactions I found on the statements here for a clearer understanding:

1 Dec 2001 CR loan capital (loan 1) £3360
4 Dec 2001 DR loan protecton (loan 1) £368.21


26 Nov 2002 CR loan capital (loan 2) £3760
26 Nov 2002 DR loan protection (loan 2) £463.16
26 Nov 2002 DR loan protection repay A/C (loan 1) £1897.11
26 Nov 2002 CR loan protection (loan 1) £95.73

As you can see in Nov 2002, I got £3760 but paid back £1897.11 to loan 1. And they refunded £95.73 for the loan 1’s protection. From then on, I only had loan 2. I paid about £160 every month until it was all paid off last year.

Do I need all the paperwork in hand before sending the step 1 letter? Is it better to chase for the original paperworks first even I have the loan reference numbers, borrowing amounts and loan protection payouts? And, as it’s over 6 years ago I got the loans, would I stand any chance getting any money back?

My HSBC account holding branch is now a ‘specialist premier centre’, which they don’t serve ‘normal’ customers there. I got a letter few months ago that my account would be held by a different branch in the same town centre even my bank details are all the same. So where do I address the letter to? HSBC HQ in London? My original account opening branch or the new one? I wrote to the new acc holding branch to request t & c’s but I wonder if I send it to the right place as I haven’t heard anything.

Sorry for the long-winded posting. Any advice would be appreciated. Thanks in advance!!

ramenkid

Or can I send the step 1 letter via the internet banking site where they have a 'contact us' link? Anyone have dine it that way before?