Need some serious help please re: HSBC

-taff

Please stick to your own thread and not hijack someone elses.

meer53

equiimedian wrote: »

Hi Andy :-) "Predominantly the site is an affiliate marketing site which has made the owner a fortune".

This is perhaps true my friend, but IMHO it is a partial truth. Without the owners previous hard work many millions of people would still be being ripped off for billions £'s. It is the owners input & knowledge that has lead to much of what is written about in here to have become public domain knowledge.

Where would people have gone, or who would they have turned to without him & here ? All the best, Anthony.

...........

Hi Meer53 :-) Thank you for the response my friend. You seem to have grasped the reality of what I have written. Tis indeed a quite absurd / bizarre / frightening situation I find myself in.

Perhaps it was that in my early years I was inadvertently unearthing a truth not meant to be known ? But it is now safe to come out & ask for what is rightly mine ?

Perhaps it is that individuals within the Midland bank simply used their own methods to silence me / prevent my case from becoming public ?

Perhaps my account was ALL a mistake, though this is highly unlikely given the letters I wrote & their responses. The only good is that I have ALL the proof of what happened to me / continues still.

For me the ultimate question is "why me ?". After surviving Hillsborough was this not enough to contend with without false accounting ?

I am tempted to simply apply for refunds of both ppi & charges seperately and see what happens. However I suspect that ANY investigation of my account records will ring alarm bells for the whole establishment, Ombudsman included.

I have records of what happened with the Ombudsman(unbeknowns to them). Dates, times, names, phone records.

Midland have actively stopped me from selling my house on several occassions by asking for the "full amount od arrears to be paid" before they will let me sell (yes they have a right to do this). The arrears are capital side ONLY, NOT increased debt via interest. I only owe £37,000 settlement now instead of £42,000, yet I must pay £14,000+ arrears before I can sell ? How strange is that for a normal person to endure ?

Thanks again for replying :-) You are right my friend in that they are very serious allegations against a very powerful bank, yet proveable they are. I just want to move on, regardless of WHY this is happening to me :-)

Hopefully posting here will bring some answers. I don't know what I stumbled into back then, but perhaps those days are gone now, and mine is to be proven to be a simple case of " Greedy Bank Workers abusing a very sick, defenceless disabled person because they could ". Either way, what has happened to me is abuse and nothing less. All the best, yours Anthony.

Statements like this won't help your case at all. It's far too emotional, if you are going to complain about your PPI, stick to the facts.

You can bring up your problems if you decide to take legal advice, i don't feel that you will get any proper advice on the forum. Sometimes, you just have to accept that things have happened and just move on, for the sake of your health. Whoever was dealing with your finances when you were ill should have raised your issues at the time, i find your post very confusing, you say you were in a comatose state until 2008 but yet you say you contacted HSBC in 2001 ?

Time to get all your facts straight and speak to a solicitor.

[Deleted User]

meer53 wrote: »

i don't feel that you will get any proper advice on the forum.

I would be inclined to agree.

equiimedian

Hi again :-)

Meers53,
me: " Greedy Bank Workers abusing a very sick, defenceless disabled person because they could ".

You: "Statements like this won't help your case at all. It's far too emotional, if you are going to complain about your PPI, stick to the facts."

Thanks for the advice :-) I thought I had posted the facts ? ... "Individuals acting outside of the law to enforce ppi payments" the consequences of which drove me to virtual bankruptcy. I'm only the messenger my friend :-) Though I do admit that my story is very unsavoury. Thankfully it is not I who has wronged.

Sorry that you feel this is emotional. I posted in the event that since this was the PPI section "my case might raise a few eyebrows since it starts pretty much when ppi started. Mine is certainly a rare case if not unique in that "illegal methods were used to enforce ppi payments". I suspect that this would put me in the catagory of those who were given no choice but to take it ?

Perhaps the utimate question it raises is " how vigourously did the banks themselves enforce these policies ?"


" You can bring up your problems if you decide to take legal advice,"
(I have already looked into this avenue but it is very complex, though I do appreciate your permission to discuss things further should legalities arise.)

" i don't feel that you will get any proper advice on the forum."
(Thank You for this honesty, though I have already learnt soooo much already from other posts and replies to this 1.)

"Sometimes, you just have to accept that things have happened and just move on,"
(as perhaps you would if this happened to you ? Simply let a bank steal £70,000 - £100,000 ?)

"for the sake of your health."
(this my friend is why I have only just surfaced, because staying alive took 1st place, as it rightly should have.)

"Whoever was dealing with your finances when you were ill should have raised your issues at the time,"
(this is true when we have people who are like this. Unfortunately I had no such person / persons to speak on my behalf until 2001. Their work got me this far, but I have a way to go yet before I can say "its over". I tried my best between 1991 - 2001 when able, but alas illness prevented any meaningful progress.)

"i find your post very confusing, you say you were in a comatose state until 2008 but yet you say you contacted HSBC in 2001 ?"
(YES this is true. You perhaps assume I lay motionless in a coma, perhaps fed through a tube. I went to great lengths to make it simple in that "medically a comatose state is when the individual becomes detached / unaware / unrelated to their surroundings / unable to fend for themselves / feed themselves / look after their health / speak coherently / think / it is a big list. Catatonic would perhaps be more precise for those so minded as to question so feverently the point at which a human being becomes unable to do "anything" for themselves, becomes defenceless / unable to defend ones self. I used the words also used by 1 of the UK's top doctors whom I was diagnosed by. He used it as a means of catagorising my severity of condition.

Medical words are : cognitive perception, coma like state of mind.

With respect "I never posted here to mediaclly explain Hillsborough OR what it means OR how it destroyed people. I use it as a point of reference to "when things took a turn for the worst". Most people remember incidents if not the precise year it occurred. Most folk can relate to the source of injury if not actual injuries themselves.)

"Time to get all your facts straight and speak to a solicitor."

( I sense that you write this in an angry, possibly calling me a liar type manner ? Perhaps you simply don't think my facts are straight. Perhaps you think a solicitor will know more about ppi reclaiming than you guys in here. Perhaps the mention of Hillsborough has upset you in some way. I make NO apology if it has, it is quite simply something in life that has come to be in my life and there is no-one who I will allow to tell me when I may speak freely about an aspect of my own life.

Ultimately, "I am very bemused why the original question I posted is so upsetting to some readers ? It was a simple enough background story to follow, that shows the lengths some banks went to enforce PPI upon innocent victims, an enforcement that continued despite great efforts to make it stop, an enforcement knowing it was causing rising debt directly because of extra charges & fees, ALL knowingly done to someone with my condition even after lengthy explanations. "

Where should recompense begin & stop in a case such as this ? If enforcing payment of PPI caused extra debt to be caused via bank charges and fees where should a person expect the calculations to start ?

Perhaps my friend the word Hillsborough causes you upset and it is you who cannot talk to me about the facts because of this ? This post is ONLY about PPI and an effort to seek advise re: what constitutes the facts about bank culpability in determining fair recompense for the damage caused ? How far does / should culpability be calculated ? It is a fair & reasonable question to ask do you not think ?

This my 2 friends is why I decided to post here :-) Perhaps it does raise issues that are uncomfortable /untested, but IMHO a very relevant & pertinent question to ask. My best to you both, and perhaps the emotional reactions to my thread will subside and commonsense instead take its place.

Facts are abound in my post, albeit "too many for 1 basket".

I rest at this point : " If you deliberately push someone under a moving train and it harms / injures them are you guilty of just pushing OR pushing knowing it wll cause harm ?

PPI culpability has only just begun, but how many people have lost more than just the PPI premiums ? Some people have lost their homes because of mortgage shortfalls during the whole PPI scam. Had they had the extra money at the time perhaps they might not have ?

All the best, yours Anthony.

equiimedian

Hi Taff :-) "So sorry to have overlooked your post my friend. Your advice is greatly received." :-)

I am inclined to think along the same lines as you. This is so complex, as are limitation laws regarding most legalities in life. I am old now, and my health failing drastically. Some things in life are not worth the fight :-)

Before posting here I had no idea where to even begin with a simple PPI claim let alone unravelling this bowl of spaghetti. It has been enlightening to guage reactions to "the severity of my story".

Your very down to earth answer brings me hope, for it is honest :-) I will keep the thread updated as things unravel (assumming it does not breach site rules & gets deleted). My very best to you, and thank again for your response, it helps more than most would imagine :-) Yours Anthony.

PS: I do hope the question of "damage caused by enforced payment of PPI" gets a decent airing, for it is surely worthwhile for anyone who has suffered catastrophic loss due to PPI payments leaving them short in more vulnerable areas of their finances.

meer53

Just submit your complaint to HSBC and let them deal with it.

BUT, make your complaint clear and concise, simply state the facts.

Don't worry about what other people may or may not have lost, state YOUR case and nothing more. If there IS a case for misselling, you will be refunded.

I suggested legal advice as you make allegations of HSBC acting in an illegal manner (which i seriously doubt) However, if you feel that this is truly what happened, speak to a solicitor.

equiimedian

Hi again Meer :-) With the help I've gleaned from the forums and particularly this thread, I can now attempt to fill out the forms I've downloaded.

I can only hope that things run smoothly in that I either receive refunds OR that they refuse and leave it at that. From reactions to my post my deepest hope is that "the can of worms remains un-opened OR dealt with from within by the powers that be".

I was / am genuinely frightened because of past experiences.

I shall update as things unfold :-)

I am semi optomistic that "any wrong done will be partially rectified". As for the rest I posted : " at worst it is a cautionary tale of over-exuberance, at best, "a true glimpse of the effects of PPI on those not placed to absorb its impacts".

All the best, yours Anthony.

equiimedian

Hi again :-) I am into the nuts & bolts now of trying to make a claim (using the PPI consumer form from here) and the 1st issue is as follows :

"PPI was sold to me on 2 seperate occassions"

(* life endowment= sickness/permanently disabled/death policy + unemployment short term )

It was 1st sold to me as part of a " *Life Endowment Policy" in 1990 and ran for around 9years. I can't imagine that ppi is an issue here since it was bundled with my endowment. Seperate amounts for both parts if I remember correctly. I did question the ppi validity at the time because I was self employed in a family business.

I slowly fell ill (see above) and eventually ceased work completely circa March/April 1991. The payments continued to the endowment & ppi against my wishes until 1999. (payments causing debt & useless because I am both ill & unemployed)

(I was so ill I was unaware of my own cover / see above posts)

I had to re-mortgage to clear mortgage & account debt around 1999. Also had to cash in endowment for same debt purposes. Subsequent re-mortgage came with enforced PPI. ( I was very ill and now long term unemployed) Can't remember at the moment when PPI finally stopped, but will know for sure in 24hrs.

Questions to help fill in the form :

1)Is this 2 seperate claims for PPI ?

2)If this is 1 claim for PPI as I assume, is it for the latter ?

3)Is there a claim for 1st endowment ppi because by 1991 it is obvious that I am in breach of its T&C's?

Sorry it is so confusing / seems odd (not claiming under the T&C's of the policy, but complaining about paying for it, such was life back then). Any help will be gratefully received :-) Thank You, yours Anthony.

equiimedian

" I would just like to say in this post that I'm sorry for the way I've tried to explain myself. I have let my whole story cloud that which I was trying to get to ... understanding the basics of PPI claiming".

It isn't easy being me, I was once a very concise & precise man, now even easy tasks are hard to focus on. Being here is very hard for me. The old wounds obviously still run raw.

I understand now how & where folk might be able to guide me if they see fit :-) Trying to comprehend the information I have to enter onto a simple application form has brought me to realise how far off the reality I am. Being here has at least brought me this :-)

Sometimes it helps to bounce 1 reality off of another :-) Thank You, yours Anthony.

jellie

From reading your posts, it seems as though you knew you had a PPI policy while you were ill. If this is the case, why was a claim not made on that policy since you were clearly unable to work as a result of what happened to you.

In respect of the charges, you could ask the bank to refund you any charges over £12 and see what they say.

I have to admit, that if the bank did take money and pay it towards the PPI and charges instead of your mortgage, I don't understand why they have not repossessed. The arrears must be horrendous and if there is no way of you returning to work you won't be able to reduce those arrears.

Apologies if I've misunderstood any of your situation, but it is a bit difficult separating the facts from the (understandable) emotions of your case.

As has been said before, you do need professional advice which you won't be able to obtain here.