HSBC PPI - Lost Documents

Nelmer

Hi All,

I'm hoping someone can advise. I wrote to HSBC 9th July with the 1st template letter asking for a copy of my loan documents to check the PPI. I finally received a reply dated 15th Sept (:eek:) stating that they couldn't find a copy of my original loan paperwork (loan taken out Sep 06) but it did include £2.5k of PPI. I need to write back to reclaim the PPI but how can they check if this is correct without the paperwork? Anyone got any views if I should just proceed as normal or kick up a fuss about lost paperwork?

Any thought's greatly appreciated.
Thanks
Sam

di3004

Nelmer wrote: »

Hi All,

I'm hoping someone can advise. I wrote to HSBC 9th July with the 1st template letter asking for a copy of my loan documents to check the PPI. I finally received a reply dated 15th Sept (:eek:) stating that they couldn't find a copy of my original loan paperwork (loan taken out Sep 06) but it did include £2.5k of PPI. I need to write back to reclaim the PPI but how can they check if this is correct without the paperwork? Anyone got any views if I should just proceed as normal or kick up a fuss about lost paperwork?

Any thought's greatly appreciated.
Thanks
Sam

Hi Sam

When requesting for your documents, was this done by a Subject access Request (SAR)? where you pay £10 postal order or cheque payment, and they have 40 days to comply?

Or was it just a basic request for your paperwork?

If not an SAR, maybe this way would be a good idea with the SAR template here below:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Post by recorded delivery as well for your proof of posting.;)

Is this loan active or settled?

If settled they should be able to go back approx 6 years, on all the info they hold on you, if stiill active they are bound to still have your details and should have provided you with your agreement with a payment of £1 postal order or cheque payment, this only take 12 days for the agreement request with payment.;)

Nelmer

Thank you so much for your reply, I will get onto this tomorrow

marshallka

Nelmer wrote: »

Hi All,

I'm hoping someone can advise. I wrote to HSBC 9th July with the 1st template letter asking for a copy of my loan documents to check the PPI. I finally received a reply dated 15th Sept (:eek:) stating that they couldn't find a copy of my original loan paperwork (loan taken out Sep 06) but it did include £2.5k of PPI. I need to write back to reclaim the PPI but how can they check if this is correct without the paperwork? Anyone got any views if I should just proceed as normal or kick up a fuss about lost paperwork?

Any thought's greatly appreciated.
Thanks
Sam

But have they said they have not got the agreement?? If this is the case then how can they send it within a SAR perhaps? Is the loan still active or not? Have they stated in writing they have not got the agreement?

Nelmer

They have stated in writing that they haven't got a copy of the agreement and the loan is currently still active.
Thanks
Sam

di3004

I assumed if the account is still active they should still hold this (your agreement) on their records, but maybe as Marshallka have said, if you request a SAR with a payment of £10 postal order or cheque payment, they should supply this, you never know it may just suddenly appear within the SAR.;)