PPI Reclaiming Discussion part 4

Michael1969

Hi,

I hope that this is the correct thread to post this under, not too sure as I'm new to the forum.


Looking for some help / advice please?

I have a complaint registered with HBOS for insurance that they sold me when I took out a loan with them more than 2 years ago.
On the loan agreement I have signed to say that I didn’t want any payment protection but when I took the loan out they told me I had to get myself “protected” and I signed up for 2 insurance policies.
I’m sure one of the policies is for critical illness cover and to be honest I’m not sure what the other one was.

Can anyone advise if I have a valid claim for being mis-sold these two policies?
They never told me I could get the insurance elsewhere and also told me that I had to take them out due to the high value of the loan (£25k)


Many thanks

cappo

Placida wrote: »

Hi, I've registered my complaint with BOS about a 5 year personal loan I took out with them in 2002. I have all the original paperwork even the customer guide to completing the agreement( the courier will wait for 15 minutes, giving you plenty of time to follow the simple instructions below!!!)

The girl could not find me on their system as I do not bank with them but took all my details and registered my complaint and the reasons I believed I had been sold ppi.

She said I would get the usual letter but there was no need to fill in FOS questionnaire as they had details and they would phone if they needed to ask anything.

Is this the normal practice for BOS? I am just a little worried as my claim is dependent on what she put on the system and as one of my reasons is the fact that the credit agreement is misleading-only one monthly payment given and the part where they should have put ppi monthly amount blank, my case might not be as strong as if I sent copies and my several reasons stated in black and white.

I don't want to have to wait the 12 weeks only to find I have to start all over again
Has anyone else had the same experience with BOS?

Thanks

Hi placida this is only my opinion but i think your always best to register a complaint by filling in a ppi questionaire.

cappo

Michael1969 wrote: »

Hi,

I hope that this is the correct thread to post this under, not too sure as I'm new to the forum.


Looking for some help / advice please?

I have a complaint registered with HBOS for insurance that they sold me when I took out a loan with them more than 2 years ago.
On the loan agreement I have signed to say that I didn’t want any payment protection but when I took the loan out they told me I had to get myself “protected” and I signed up for 2 insurance policies.
I’m sure one of the policies is for critical illness cover and to be honest I’m not sure what the other one was.

Can anyone advise if I have a valid claim for being mis-sold these two policies?
They never told me I could get the insurance elsewhere and also told me that I had to take them out due to the high value of the loan (£25k)


Many thanks

Hi michael first thing you need to do is find out what the other insurance was, if it was ppi and you told them you did'nt want it and they told you you needed it/ added it without your permission you have a good case.

Placida

cappo wrote: »

Hi placida this is only my opinion but i think your always best to register a complaint by filling in a ppi questionaire.

Thanks Cappo,
I've decided I am going to follow it up with a letter and questionnaire.

looked at website

1. Call or write to us
At Bank of Scotland we are committed to making it as easy as possible to resolve your complaint. We’d like to discuss the details of your case with you directly so your concerns can be resolved as quickly as possible. You can call us on 08457 253 519 (lines open 8am to 6pm, Monday to Friday), our dedicated number for PPI complaints or write to us at Customer Relations, PO Box 548, Leeds, LS1 1W
2. Download and complete a FOS PPI Questionnaire
If you decide you want to proceed with your complaint, and fill in the details of your case. Filling in a PPI Consumer Questionnaire from the Financial Ombudsman Service helps us process your complaint as efficiently as possible.
3. Send it directly to us
Send the FOS PPI Questionnaire directly to us at Customer Relations, PO Box 548, Leeds, LS1 1WU. We are committed to resolving complaints. We have employed additional new members of staff to help customers with their queries about PPI policies.

Wondered why she said I didn't need to as if they couldn't find me on system , surely they would need copies of agreement etc?

Cheers

cappo

Placida wrote: »

Thanks Cappo,
I've decided I am going to follow it up with a letter and questionnaire.

looked at website

1. Call or write to us
At Bank of Scotland we are committed to making it as easy as possible to resolve your complaint. We’d like to discuss the details of your case with you directly so your concerns can be resolved as quickly as possible. You can call us on 08457 253 519 (lines open 8am to 6pm, Monday to Friday), our dedicated number for PPI complaints or write to us at Customer Relations, PO Box 548, Leeds, LS1 1W
2. Download and complete a FOS PPI Questionnaire
If you decide you want to proceed with your complaint, and fill in the details of your case. Filling in a PPI Consumer Questionnaire from the Financial Ombudsman Service helps us process your complaint as efficiently as possible.
3. Send it directly to us
Send the FOS PPI Questionnaire directly to us at Customer Relations, PO Box 548, Leeds, LS1 1WU. We are committed to resolving complaints. We have employed additional new members of staff to help customers with their queries about PPI policies.

Wondered why she said I didn't need to as if they couldn't find me on system , surely they would need copies of agreement etc?

Cheers

Good choice placida

Totally_Confused_2

Hi,

I have received Another letter from Capital one today which is longer and has a copy of the original application form that I completed when applying for the card. They have already claimed that I requested the insurance by ticking the yes box on the form. There is a tick in theat box, however I have no memory of ever doing this and they are taking this as me asking for it. They have also made a couple of faulse statements in the letter, the first one is that I applied for the card on 18 July 2003 when I didn't actually sign the form until September 2004. They also claim that I would have been sent a 30 cooling off letter regarding the policy, this I definately did not receive. I have also explained to them that I have never received any paperwork regarding the insurance including certificates/policy etc nor have I had it explained to me waht it is or what it covers. Is the fact that there is a tick in a box going to scupper my claim?

LindaF_2

Many thanks for the advice Cappo - nice to know how to deal with Barclaycard and Barclays - they can be very intimidating - I was dealing with all the payments to my creditors myself until they insisted I had a DMP

LindaF

eddie_would_go

di3004 wrote: »

Hi

It looks like complaints are dealt with by HFC now, like mine was Endeavour Personal Finance (EPF) and like Beneficial linked to HFC.

If you click on the above link, it should take you into the HFC websbite, more details of this below.

HFC Bank Limited,
PO Box 5207,
Coventry,
CV3 9FB

I posted off a SAR to HFC at the address and sent it recorded delivery - Royal Mail still don't have any tracking history for the letter which suggests it hasn't been received by HFC. Contacted Royal Mail and I can't do anything further from their perspective until Monday (have to leave 14 or so days before taking the next step).
Is this something that banks do? (it seems to be a PO Box)
Either delay receiving or is the address wrong? I don't think the addy is wrong as it's on the HFC complaints page also.

Anyone got any experience with this?

cappo

Totally_Confused wrote: »

Hi,

I have received Another letter from Capital one today which is longer and has a copy of the original application form that I completed when applying for the card. They have already claimed that I requested the insurance by ticking the yes box on the form. There is a tick in theat box, however I have no memory of ever doing this and they are taking this as me asking for it. They have also made a couple of faulse statements in the letter, the first one is that I applied for the card on 18 July 2003 when I didn't actually sign the form until September 2004. They also claim that I would have been sent a 30 cooling off letter regarding the policy, this I definately did not receive. I have also explained to them that I have never received any paperwork regarding the insurance including certificates/policy etc nor have I had it explained to me waht it is or what it covers. Is the fact that there is a tick in a box going to scupper my claim?

this is a standard response from them but cases are upheld against them i had a fos adjudicator rule against me in a claim against cap 1 and my ppi but when the adjudicator left the fos and a new one took over they and the ombudsman ruled for me and i had the claim upheld, keep pressing this including going to the fos if neccesary, cap 1 are old hands at this but you can get an uphold.

Totally_Confused_2

cappo wrote: »

this is a standard response from them but cases are upheld against them i had a fos adjudicator rule against me in a claim against cap 1 and my ppi but when the adjudicator left the fos and a new one took over they and the ombudsman ruled for me and i had the claim upheld, keep pressing this including going to the fos if neccesary, cap 1 are old hands at this but you can get an uphold.

Thanks for your encouragemnet. I will def be keeping at it. FOS paperwork arrived today too so will get that filled out and sent.