HSBC PPI questionnaire

Natty84

So it would seem that despite thinking I hadn't I appear to have been misold PPI by HSBC (because I didn't even realise I was paying extra per month).

They have sent me a questionnaire to complete and have said to read it carefully in bold underlined script. This is making me think that vague /unsure answers may be used against me by the bank.

Most of the questions are straight forward and I can easily answer them but the first questions is 'How did you buy PPI?'. Now I didn't realise I had bought PPI and I initially took a loan out in 2007 (paid off in 2012). The options are:

During a meeting
During a phone conversation
Over the internet
By post
Given a leaflet to fill in
Can't remember

First, I can't remember which medium I used to get my loan. Secondly I didn't realise I was going to be paying a monthly protection cost. Therefore should I be answering can't remember?

Or should I be ringing up HSBC to get more information before completing the questionnaire? I don't want to invalidate the rest of my claim by selecting the wrong option in the first question.

Any advice would be greatly appreciated!

dazza12

There are no right and wrong answers. The only reason they've asked for you to read it carefully is because of the number of questionnaires that come back with errors on.

If you can't remember, just put 'can't remember'. It's a standard FOS questionnaire designed to cover a wide range of complaint reasons.

If you do need more information you could ring them, refer to any paperwork that you still have, or alternatively do a Subject Access Request to see what information they have on you.

dunstonh

This is making me think that vague /unsure answers may be used against me by the bank.

The answers to the questions could aid or hinder the complaint. Vague answers do not tend to hinder unless your complaint reason(s) are very weak to begin with. What is worse is giving reasons which can be shown to be wrong.

If in doubt, you should state cannot remember. Dont state something that can be proven otherwise that makes you lose all credibility.

Natty84

Thanks both! Sorry I've been on holiday.

I'm calling my bank today to request all of my loan documents and if not I will submit a SAR and take it from there!