PPI Reclaiming Discussion part 4

asmiffy9

Hi, I reclaimed ppi for loan between 2006 and 2009 with HSBC, got a result with that, so have gone for reclaiming ppi for loan between 2004 to 2006 with HSBC. Posted the letter 7th April, received first letter dated 15th April, second letter dated 7th may, both saying they are looking into the matter. I now have received another letter dated 7th June, saying they are not yet in a position to provide us with a full response, they are reviewing the matter and they are aiming to provide us with a response by 3rd July. They have said that they hope we will give them the time to investigate the complaint, but we can go to the ombudsman if we are not satisfied. Do you think that it is worth waiting for their response, then if I don't get one by that date, then go to the ombudsman.

Thanks for your help Ann

di3004

asmiffy9 wrote: »

Hi, I reclaimed ppi for loan between 2006 and 2009 with HSBC, got a result with that, so have gone for reclaiming ppi for loan between 2004 to 2006 with HSBC. Posted the letter 7th April, received first letter dated 15th April, second letter dated 7th may, both saying they are looking into the matter. I now have received another letter dated 7th June, saying they are not yet in a position to provide us with a full response, they are reviewing the matter and they are aiming to provide us with a response by 3rd July. They have said that they hope we will give them the time to investigate the complaint, but we can go to the ombudsman if we are not satisfied. Do you think that it is worth waiting for their response, then if I don't get one by that date, then go to the ombudsman.

Thanks for your help Ann

Hi Ann

this is descreetly up to you now, you do have this choice, however as they have kept in touch and not ignored your complaint, it maybe worthwhile waiting until the date they have said.

Good luck and good one.;):beer:

robbedofmymoney

asmiffy9 wrote: »

Hi, I reclaimed ppi for loan between 2006 and 2009 with HSBC, got a result with that, so have gone for reclaiming ppi for loan between 2004 to 2006 with HSBC. Posted the letter 7th April, received first letter dated 15th April, second letter dated 7th may, both saying they are looking into the matter. I now have received another letter dated 7th June, saying they are not yet in a position to provide us with a full response, they are reviewing the matter and they are aiming to provide us with a response by 3rd July. They have said that they hope we will give them the time to investigate the complaint, but we can go to the ombudsman if we are not satisfied. Do you think that it is worth waiting for their response, then if I don't get one by that date, then go to the ombudsman.

Thanks for your help Ann

hi,

its worth giving them a little longer as if you go to the FOS it will take another few months.

i would write back to HSBC stating that you are happy for them to have the additional time to enable them to investigate your complaint properly and that you would then expect their decision on the 3rd July.

good luck and let us know how you get on.

helynn71

Thanks for the advice guys, but am I thick...........probably!! But if all the documentation, agreements, legal charge, etc etc was with Firstplus then how come I need to go through Loans.co.uk if there was no paperwork with them!!! I am sorry as I say I am soooo new to this xxxxx

di3004

helynn71 wrote: »

Thanks for the advice guys, but am I thick...........probably!! But if all the documentation, agreements, legal charge, etc etc was with Firstplus then how come I need to go through Loans.co.uk if there was no paperwork with them!!! I am sorry as I say I am soooo new to this xxxxx

LOL, no your not thick

This can be confusing, your documentation will be that of the lenders, but it was the broker who sold and set up and also mis sold you the policy.
We we have used brokers we have to pursue through them and not the lender, unless of course you taken out a loan advance with the lender later on, then that part would be down to them, but then 2 separate reclaims:
The broker for the first loan set up and the lender for the advance if any.

Does that make sense now.:D;)

lucieloo

hi , i was just wondering if anyone new the process when your complain goes to the fos? my complaint has been with the fos for two months now and i have received one letter acknowledging my complaint but i just wondered what the process is?

SllRel

Hi All

i have recently received a letter advising that theyare currently looking in to my claim and will get back to be by the end of june. the eight weeks for the investigation is up next week. Shall i wait until the end of the month and or continue with the onbudsman letter after the 8 weeks? Are these delaying tactics by mint and A&L or should i be patient?? please advise xx

robbedofmymoney

hello

its worth waiting until the end of the month, its only a few weeks,

if you go to the FOS it will take months,

it is of course up to you though

let us know how you get on

asmiffy9

Hi again, just realised my husband is still paying for a ppi with barclaycard, does he need the policy number or as it is still running, will I be able to just go with the account number.
Once again thanks for all the help, really appreciate it.

regards Ann

robbedofmymoney

asmiffy9 wrote: »

Hi again, just realised my husband is still paying for a ppi with barclaycard, does he need the policy number or as it is still running, will I be able to just go with the account number.
Once again thanks for all the help, really appreciate it.

regards Ann

you only need ot give them the account number they will find the rest out.
thats all i did, and they did the rest

good luck with your claim, and let us know if you need any help