PPI Reclaiming Discussion part 4

di3004

fight_the_power wrote: »

Could any one please tell me which would be the best HSBC address to send my ppi complaint to i have a few but not sure which is the best one ?? have already sent a email and will also call them and just thought i would send a letter for luck:) thanks

Hiya

Some details on the HSBC website below, good luck.

http://www.hsbc.co.uk/1/2/personal/payment-protection-insurance

HSBC, Regulated Sales Complaints
120 Redcliff Quay,
Redcliff Street,
Bristol,
BS1 6HU

I would also post by signed for recorded delivery x:)

di3004

trish22 wrote: »

hi all,had a discussion this afternoon with a high up manager at the ppi claims LLOYDS tsb,said i had put in claim 6th may and not had a reply from my email 3 weeks plus to ceo.He got back in touch and went bthrough why things taking so long,i told why i was claiming ,1 i have had a pre existing illness for 37 years and was never asked,also have been self employed for 16 years and according to him ,that one does not stand,he said we treat self employed as employed, --is this right??i was led to believe that Lloyds ppi claims,being self employed was not covered,does anyone have any terms and conditions for them possibly from 2002,so i can check this out,and also has anyone won with this one on being self employed,my son has a self employed case he is taking up with them and will be really dissapointed if this is the case,as well as myself.

Thank you all for your marvellous work,apparantley i have now being told it could be up to the end of September now,and i put mine in on the 6th of may 2011.

Thank you all

Hiya

This is why I will not communicate with them on the phone, in case they try to twist and turn things, but the point here is, even if they treated employed and self employed the same - it may not have covered you anyway, some will and others will not, however I will try to have a dig around for the policy details on this for you if I can.

You do still have good reasons here and in regards of pre med conditions they will not pay out if you were to try to make a claim due to this on - on those conditions.

I would therefore make a point that this policy was not sold in you're best interest as well.:)

di3004

Trish

In regards of the T&C's 2002 policy details to save me scrolling back on posts, was this a loan ppi or credit card? thanks.

trish22_2

di3004 wrote: »

Trish

In regards of the T&C's 2002 policy details to save me scrolling back on posts, was this a loan ppi or credit card? thanks.

Thank you so much lo Di,it was a platinum credit card,i know i will be covered,by my illness alone,but my sons card is on him being self employed only ,he did not sign up for any PPI whatsover.

P.S I am really addicted to this site,am getting nothing done in the house at all !!!!!

di3004

trish22 wrote: »

Thank you so much lo Di,it was a platinum credit card,i know i will be covered,by my illness alone,but my sons card is on him being self employed only ,he did not sign up for any PPI whatsover.

P.S I am really addicted to this site,am getting nothing done in the house at all !!!!!

You're welcome hun, I will see what I can find now.;)

I admit it's difficult to get off here once on here and it's been the same for me, as you can tell by my postcount :eek::o the way it's going you and lots of others on here will be on the same level soon lol.:rotfl::rotfl::rotfl:. xx

di3004

Trish I am having some trouble trying to seek out the details of the PPI policy, and wouldnt surprise me if Lloyds have taken them off google search, but I understand the T&C's stayed the same for years, but if you email Lloyds they may provide them to you by email or by hardcopy post. x;)
I will keep trying though.

irnbru74

cappo wrote: »

Hi irnbru the way you see it is always going to be different from the banks, you brought the policy you know what's what, the bank on the other hand will do anything they can to weasel out of paying what you are rightfully due

Hi,
Have phoned company and asked if they had recordings/transcripts of phonecalls from made by us, they don't.
I asked what they had on file and they said at the time, the advisor made "system notes" I asked if I could have a copy of them, to which he agreed. When I pressed if they had anything else on file, he became a bit furtive - So, I am going down the route of an SAR, just to see what exactly they do have.
But, I think probably it is going to come down their word against ours and they'll most likely win!
Will give it a go anyway, I feel like asking them whether advisors got commission for selling of PPI, (as my husband was definately given the hard sell) but I can't - can I?
Thanks to everyone for all response, they are most appreciated.

The_Marksman

cappo wrote: »

alright my man,you getting in trouble with the ladies,thats a new one lol.:T

trust me it isnt a new thing! :rotfl::rotfl::rotfl:

lisajaynec

Hi
After my win on Sat (only a week after posting my letters!)and it already been credited to my account, I have been in every drawer available and have found 2 letters from Black horse finance, thanking me for paying off my loans (first Sept 2005, second Nov 2005) I have the account numbers on the letter and have found payment amount through experian but I dont know if i paid ppi, so my question is do I just put in a claim or do I spend £10 x2 on a sars?
Thanks
Lisa

di3004

lisajaynec wrote: »

Hi
After my win on Sat (only a week after posting my letters!)and it already been credited to my account, I have been in every drawer available and have found 2 letters from Black horse finance, thanking me for paying off my loans (first Sept 2005, second Nov 2005) I have the account numbers on the letter and have found payment amount through experian but I dont know if i paid ppi, so my question is do I just put in a claim or do I spend £10 x2 on a sars?
Thanks
Lisa

Hi Lisa

If you contact them by phone or email, give them the account number details, ask them to confirm if any PPI this should save you £10 on a SAR then, because just as long as you have the account numbers and your reasons you can continue to make a reclaim.

However if you do decide to SAR, enclose both account numbers on the same request, £10 cheque or postal order will cover for both and for infact everything you have taken out with them.
There is a SAR letter template below if you want to use that one, good luck.
https://forums.moneysavingexpert.com/discussion/1475553