I've had PPI, Got the form sent to me from HSBC

Mr_Incredible

So I put the question to my bank if I'd had PPI, they took the full 8 weeks and said yes, you had it on nine different graduate loans!

Anyway they've sent the form through for me to fill in but there's loads of daft trick questions in there like 'if you lost your job, how would you have repaid'?

I had family and other means but Q's like these seem to be leading and I wondered if anyone had experience of filling these things out or if there was guidance on how to avoid their trickery?

-taff

They aren't trickery.
You fill it in according to your circumstances, and that's all.

McKneff

Post 2 was helpful, just not what you wanted to hear.

It is not trickery, just fill the form in as truthfully as you can.

It really is as simple as that.

I dont work for a bank, I just apply common sense.

Each person has different circumstances. If you are not entitled to a refund, then so be it. The banks are finding that so many orportunists are jumping on the bandwagon, even those who have never had PPI are trying to reclaim, wasting everybody's time.

[Deleted User]

Mr_Incredible wrote: »

I wondered if anyone had experience of filling these things out or if there was guidance on how to avoid their trickery?

Plenty of people here have experience of filling out the forms, but there is no "trickery" to be avoided-it's a simple straightforward set of questions and, yes, it IS perfectly acceptable to put "Oh duh, I don't know" in answer to queries which are not relevant to your complaint.

Basically, if you have valid, verifiable and truthful reasons your complaint will be upheld.

Just remember that it's not wrong to simply have PPI, it has to have been mis-sold to you.

Mr_Incredible

These gray areas are just that, its a qualatitive question and its leading.

The answers need to be thought through becuase if not answered right someone like me who has been miss sold could unwittingly lose their claim.

So responses saying 'tell the truth its as simple as that' are somewhat lame and unhelpful. No one is suggesting telling an untruth, thats not the scenario. I'm mearly trying to establish options of the best qualititive answers.

Banks are not our freinds people, remember that, the reason this issue exists is because they willfully missold so many people!

Mr_Incredible

Moneyineptitude wrote: »

Plenty of people here have experience of filling out the forms, but there is no "trickery" to be avoided-it's a simple straightforward set of questions and, yes, it IS perfectly acceptable to put "Oh duh, I don't know" in answer to queries which are not relevant to your complaint.

Basically, if you have valid, verifiable and truthful reasons your complaint will be upheld.

Just remember that it's not wrong to simply have PPI, it has to have been mis-sold to you.

great please honour your word and tell me how you answered the questions?

McKneff

Mr_Incredible wrote: »

great please honour your word and tell me how you answered the questions?

Truthfully.......................

Mr_Incredible

McKneff wrote: »

Truthfully.......................

yeah thanks big guy

[Deleted User]

Mr_Incredible wrote: »

So responses saying 'tell the truth its as simple as that' are somewhat lame and unhelpful.

I didn't find such responses "unhelpful". I simply told the truth about the circumstances of my mis-sale and my complaint was upheld (to the tune of £20,000)
The form was designed by the Financial Ombudsman Service and agreed to by all the Banks because it gathers together all the information which might be required to investigate a complaint in one place. It's not some "trap" set by the Banks to catch out the unwary.
No one can give you "qualitative" template answers to questions which you can only answer yourself. If it asks for your name you put YOUR name. If it asks how you would have afforded to pay your debt if made unemployed then put YOUR OWN response.

If you have valid, verifiable and truthful reasons your complaint will be upheld. If your complaint is declined you can still refer it to the Ombudsman.

Mr_Incredible

Moneyineptitude wrote: »

I didn't find such responses "unhelpful". I simply told the truth about the circumstances of my mis-sale and my complaint was upheld (to the tune of £20,000)
The form was designed by the Financial Ombudsman Service and agreed to by all the Banks because it gathers together all the information which might be required to investigate a complaint in one place. It's not some "trap" set by the Banks to catch out the unwary.
No one can give you "qualitative" template answers to questions which you can only answer yourself. If it asks for your name you put YOUR name. If it asks how you would have afforded to pay your debt if made unemployed then put YOUR OWN response.

If you have valid, verifiable and truthful reasons your complaint will be upheld. If your complaint is declined you can still refer it to the Ombudsman.

Just becuase you can't/won't help doesn't mean others can't, and in fact some already have on PM.

DevCoder

Have they also suggested you just be truthful?
There is no "trickery", you answer the questions true to your situation, not anyone elses.