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PPI Reclaiming Discussion Part 5

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Comments

  • Tiffany1681
    Tiffany1681 Posts: 2 Newbie
    Just started to claim mine back well trying anyway, had loan protection with hsbc on 5 loans in early 2000 and ppi on a mbna card and a tesco credit card! Hope I win!
  • nee666
    nee666 Posts: 87 Forumite
    Buzzby wrote: »
    If my loan is from more than six years ago, and the bank say they have no records older that, is that pretty much the end of any potential claim?

    Just to be clear, if it's more than 6 years since the loan finished your chances are slim, if it finished 2007 your in the 6 year window, just...
    If your loans were in a consolidation chain there supposed to deal with the other loans, ie the ones before the last one & they will have records of the older ones because there related to the last loan, I would fill the fos form out as much as you can, on the additional information page put your account number, your reasons for complaining
    * you were told you couldn't have the loans without insurance
    * your employer paid full pay if you were unable to work
    * you have a phi policy quote the provider & acc number
    Get your claim in ASAP as your approaching the 6 year window
    Regards
    N
  • nee666
    nee666 Posts: 87 Forumite
    Tiffany1681 wrote: »
    Just started to claim mine back well trying anyway, had loan protection with hsbc on 5 loans in early 2000 and ppi on a mbna card and a tesco credit card! Hope I win!

    Hi, in my experience with HSBC, anything longer than 6 years ago you will need either the original loan agreement or a bank statement showing the loan transaction, there very slow & will try & fob you off,
    Mbna were very quick paid me for a card I had in 2003 without me providing any documentation, I didn't even know the card number

    When did your last HSBC loan finish?
  • tricky81
    tricky81 Posts: 13 Forumite
    3 questionnaires completed and sent today…
    HSBC Loan
    EGG Loan & credit card
    MINT (RBS) Credit card



    Hope I get some acknowledgement letters soon...!
  • markdavey
    markdavey Posts: 617 Forumite
    tricky81 wrote: »
    3 questionnaires completed and sent today…
    HSBC Loan
    EGG Loan & credit card
    MINT (RBS) Credit card



    Hope I get some acknowledgement letters soon...!

    Don't hold your breath with the Egg CC if you took it out online...
  • tricky81
    tricky81 Posts: 13 Forumite
    markdavey wrote: »
    Don't hold your breath with the Egg CC if you took it out online...

    How comes...?
  • Tiffany1681
    Tiffany1681 Posts: 2 Newbie
    nee666 wrote: »
    Hi, in my experience with HSBC, anything longer than 6 years ago you will need either the original loan agreement or a bank statement showing the loan transaction, there very slow & will try & fob you off,
    Mbna were very quick paid me for a card I had in 2003 without me providing any documentation, I didn't even know the card number

    When did your last HSBC loan finish?

    Not really sure, I rang them and the told me all the policy numbers and I quoted them in the letter I sent off
  • dunstonh
    dunstonh Posts: 120,184 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    tricky81 wrote: »
    How comes...?

    The issue is not whether you have PPI or not. There is nothing wrong with having it. It is whether it was mis-sold to you or not. When you buy online there is no-one selling it to you. So, it cant be mis-sold apart from a very small number of technical reasons. So, most online PPI complaints get rejected.
    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.
  • nee666
    nee666 Posts: 87 Forumite
    edited 30 October 2012 at 7:00PM
    Tiffany1681 wrote: »
    Not really sure, I rang them and the told me all the policy numbers and I quoted them in the letter I sent off

    Have you got any loan agreements or statements showing the initial loan transaction? If the last loan in the chain finished in the last 6 years they will have documentation, if it finished more than 6 years ago you will have to provide copies of loan agreements or statements showing initial loan transactions
  • thefosterkid
    thefosterkid Posts: 6 Forumite
    Moneyineptitude wrote: »
    Hardly a "diversionary tactic" if you made a data request without enclosing the fee, just an unnecessary delay not caused by them!

    Ok. That's fair. I shouldn't have overlooked that. :)

    Thank you for the pointer on the letter. I might need to use it if i don't get the information that i need - this time around.
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