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PPI CCJ adwarded against HSBC

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Comments

  • dajulo
    dajulo Posts: 11 Forumite
    Thanks again

    I have received the N244 hearing date today, is it not worth attending

    The FOS were really nice that have taken the other policy on and it was the FOS who informed me about court action on this one as HSBC would not let the FOS look into this one

    The FOS stated that the banks had to follow the DISP ?? guildelines
  • dajulo
    dajulo Posts: 11 Forumite
    Hi

    When I was looking into going to court I asked the question about the three year time limit when I could have known that I had a real chance of winning and was advise that I could use the judicial review of 2011 at being the point that the three years began
    ;;

    Th ere is a special time limit of three years
    from the date of knowledge for claims in
    tort where facts relevant to the cause of
    action are not known at the date of accrual
    of the cause of action.

    ???

    Was this in correct??
  • dajulo
    dajulo Posts: 11 Forumite
    ou can use section 32 of the limitations act which states that its not statute barred if you only just became aware of this and therefore it can be overuled. (i think that is how it works). There is also another thing that the banks can put in their letters and that is the 3 year rule which says that "you should have reasonably been aware of this complaint within 3 years" but this is not the case in most cases as we only just became aware of all this misselling through the media attention to it.
  • But you cannot use that because the bank can use the FOS correspondence to prove that you WERE aware.

    I fear that you are going to throw good money after bad.
  • dajulo
    dajulo Posts: 11 Forumite
    Thanks for your honesty

    I am so cross as HSBC were the ones that had told me the policy was incorrect in 2008 in a discussion with the FPM

    Its seem unfair that some people were not even mis sold and they automatically get their monies back

    HSBC did not respond in time to the court action and therefore received a CCJ , but now they want to defend!!

    Do think it is worth me looking into time limitation act 1980 EXCEPTIONS?? I did read that the it is the judges decision and HSBC are the ones that have taken three years,

    In 2012 HSBC did write to me and state they have looked into again and their decision was the same??:mad:
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