PPI Reclaiming Discussion part 4

benadesign84

Hi everyone,

I sent a letter a couple of months ago using the guidelines on this site with regards to claiming back PPI. The letter was sent to HSBC, but they have not even replied yet! What is your advice? Do i send another letter to them asking for a more satisfactory response? Or do i go straight to the Ombudman for further action?

My claim is in relation to credit card PPI, it was sold to me in branch when i needed a small loan for a car but they persuaded me to get a credit card and advised me to take PPI, and i agreed to it thinking nothing of it. I am positive i am owed hundreds of pounds.

Any advice would be greatly appreciated, thanks a lot. Ben

di3004

benadesign84 wrote: »

Hi everyone,

I sent a letter a couple of months ago using the guidelines on this site with regards to claiming back PPI. The letter was sent to HSBC, but they have not even replied yet! What is your advice? Do i send another letter to them asking for a more satisfactory response? Or do i go straight to the Ombudman for further action?

My claim is in relation to credit card PPI, it was sold to me in branch when i needed a small loan for a car but they persuaded me to get a credit card and advised me to take PPI, and i agreed to it thinking nothing of it. I am positive i am owed hundreds of pounds.

Any advice would be greatly appreciated, thanks a lot. Ben

Hi Ben

Did you send the the reclaim questionnaire to make a complaint?
As on step 3 below
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

If you've not even received a letter to confirm they have received your complaint questionnaire, you could chase them up, by either ringing them or emailing at the CEO dept, in hope they deal with it quicker, tell them you've not heard a thing since making a complaint.

[EMAIL="chiefexecutivehsbcbank@hsbc.com"]chiefexecutivehsbcbank@hsbc.com[/EMAIL]


Not sure if you aware, but the main of the banks including this one was given extra time by the FSA, the norm is that of 8 weeks, but they were previously given 16 weeks due to backlogs and at the start of last month down to 12 weeks for the time being before it goes back to the usual 8 weeks again.

So depending how long you sent your complaint will depend on the time you will be waiting.
Still you should have received a letter to confirm they will be dealing with it.;)

di3004

lisajaynec wrote: »

Any one got a customer service email address for the co-op besides the ceos address that im using with out much joy regarding my my request which is now 44 days old without any acknowledgement or receipt even although i sent it by recorded post.
The ceo email address I'm using is
[EMAIL="barry.tootell@cfs.coop"]barry.tootell@cfs.coop[/EMAIL]
Also when and how do i take a complaint to ICO?
thanks
Lisa

Hi Lisa

The contact details of the Information commissioners office (ICO) are below, you can ring, email or write to them, by emailing it may take a bit longer, so personally maybe a phone call will be better.;)
http://www.ico.gov.uk/complaints/data_protection.aspx

Good luck x;)

di3004

cappo wrote: »

Thank you Di it was you giving me the will to carry it to the ombudsman,:A i must admit i'm tenacious but even i was going to drop this after the adjudicator rejected it.:A:A:A:A:A

So glad you did keep this going Steve, well done! xxx:beer::A

di3004

catwoman150 wrote: »

I am thinkning of putting in a claim for a couple of credit cards. I took these out online years ago. I cant remember if I ticked the box or the box was pre ticked or not for paymnet protection. I know that I have been paying it over the years and I have cancelled these three years ago as I went on a DMP. I am wondering if anyone has had any success when they are on a DMP.

Thanks

Give it a go, and yes there have been much success even on DMP, although if the account is the one with the DMP, they may use the refund towards the account, anything remaining plus interest should be paid directly to you.
And you pursue the ones who sold/set up your account, good luck x;)

di3004

Sykes1978 wrote: »

Just a quick question I recently accepted RSB's offer for being miss sold ppi, in there letter they say they will endeavour to pay the money in to my natwest current account with in 28working days, have many people recieved there money with in this time scale ??, they have stuck to there word so far in getting the claim looked at but I don't want to be to hopeful, they've had my acceptance for since 05-09-11 so they should pay up by 14-10-11.

Well done!:T & Congratulations!:beer:

I've not had any dealings with this bank myself but many have done.
Hope you receive your refund in the account on time if not before.
Fingers crossed. x:)

cappo

benadesign84 wrote: »

Hi everyone,

I sent a letter a couple of months ago using the guidelines on this site with regards to claiming back PPI. The letter was sent to HSBC, but they have not even replied yet! What is your advice? Do i send another letter to them asking for a more satisfactory response? Or do i go straight to the Ombudman for further action?

My claim is in relation to credit card PPI, it was sold to me in branch when i needed a small loan for a car but they persuaded me to get a credit card and advised me to take PPI, and i agreed to it thinking nothing of it. I am positive i am owed hundreds of pounds.

Any advice would be greatly appreciated, thanks a lot. Ben

Hi ben this is strange they should have acknowledged your complaint within 2 weeks but i think with the fos giving HSBC more time the fos will just say that they were given an extension and you will have to give them more time, i'd contact them initially and see what they say. good luck

di3004

lisajaynec wrote: »

Just come home to my cheque from MBNA for £8,500 :beer:, they have used the other £500 to pay off my credit card account. I put in the claim on 3rd August, was notified on the 8th September that my claim had been upheld and received the cheque today 1st October.:j:T

I did send them a letter asking the figures to be re looked at because I have found a statement in August 2001 to say that i had a balance of 4k but according to them i only opened the account in may 2001 and i didn't do a credit transfer, but heard nothing from them.
The cheque letter says in full and final settlement so do i cash the cheque and if i do can i still ask MBNA to re look at the figures?
Thanks
Lisa

That is fab news Lisa :T Congratulations!:beer:

Maybe you would be better if you contacted them first before you pay in the cheque, but that is up to you of course xx;)

cappo

amersall wrote: »

:j:jWell done Steve :beer::beer:
Glad you stuck with this x:cool:

Cheers lorraine.:):);)

cappo

catwoman150 wrote: »

I am thinkning of putting in a claim for a couple of credit cards. I took these out online years ago. I cant remember if I ticked the box or the box was pre ticked or not for paymnet protection. I know that I have been paying it over the years and I have cancelled these three years ago as I went on a DMP. I am wondering if anyone has had any success when they are on a DMP.





Thanks

Hi cat
lots of people on here on a dmp have succeded in misales on ppi go for it if you have you reasons for misold. good luck