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HSBC PPI -this may be tricky

cdc02254
cdc02254 Posts: 20 Forumite
edited 15 April 2010 at 6:27PM in Reclaim PPI & other insurance
I sent HSBC a letter about 3 years ago asking them to cancel my PPI and give me a re-fund as I felt it had been miss sold to me.

They replied after a few weeks stating they had looked into my case and felt they had done nothing wrong. I didn't take the case matter any further as at the time I was unaware of the process and it wasn't so well publicised.

Do you think I can try again or have I missed the boat??

After 8 weeks this was not mentioned.
«1

Comments

  • dunstonh
    dunstonh Posts: 120,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Do you think I can try again or have I missed the boat??

    Too late.

    You have 6 months to appeal that decision. If you dont appeal it within that period you are then barred from making any complaint again in future about that unless significant new evidence comes to light.

    The publicity around the ability to complain is not new evidence.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • cdc02254
    cdc02254 Posts: 20 Forumite
    OK, but can I ask them to cancel the PPI?.

    Also this doesn't effect claiming for other loans with HSBC does it?.
  • di3004
    di3004 Posts: 42,579 Forumite
    cdc02254 wrote: »
    OK, but can I ask them to cancel the PPI?.

    Also this doesn't effect claiming for other loans with HSBC does it?.


    Hi there I'm sure Dunstonh will confirm this, you can cancel but it may not make any difference to the repayments, but please do not quote on me as they all vary.

    It should not affect any other claiming to what I know of.
    Good luck with this.
    The one and only "Dizzy Di" :D
  • tiggrae
    tiggrae Posts: 1,771 Forumite
    cdc02254 wrote: »
    I sent HSBC a letter about 3 years ago asking them to cancel my PPI and give me a re-fund as I felt it had been miss sold to me.

    They replied after a few weeks stating they had looked into my case and felt they had done nothing wrong. I didn't take the case matter any further as at the time I was unaware of the process and it wasn't so well publicised.

    Do you think I can try again or have I missed the boat??
    just start it again !
  • cdc02254
    cdc02254 Posts: 20 Forumite
    I like that response the best.
  • dunstonh
    dunstonh Posts: 120,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    tiggrae wrote: »
    just start it again !

    You cant.

    I like that response the best.

    I can imagine you do but its wrong. ;)
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • cdc02254
    cdc02254 Posts: 20 Forumite
    After 8 Weeks I received my response from HSBC today.

    " I regret that I am unable to support you claim"

    I signed the DNR and had 30 days to cancel the personal Loan Protection Plan.

    What now, do I go to the next stage?
  • di3004
    di3004 Posts: 42,579 Forumite
    cdc02254 wrote: »
    After 8 Weeks I received my response from HSBC today.

    " I regret that I am unable to support you claim"

    I signed the DNR and had 30 days to cancel the personal Loan Protection Plan.

    What now, do I go to the next stage?


    Hi there

    Yes do keep on at them until the final decision is received, they should let you know if its the final one and details of the FOS should be enclosed if eligible to take your case to them, good luck.;)
    The one and only "Dizzy Di" :D
  • amersall
    amersall Posts: 17,037 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    cdc02254 wrote: »
    After 8 Weeks I received my response from HSBC today.

    " I regret that I am unable to support you claim"

    I signed the DNR and had 30 days to cancel the personal Loan Protection Plan.

    What now, do I go to the next stage?
    hi there, yes take this to fos. good luck
  • dunstonh
    dunstonh Posts: 120,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    You were lucky they even looked at it. I wonder if your original enquiry never got registered as a formal complaint. If not, then lucky escape.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
This discussion has been closed.
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