Not sure how to proceed - Natwest

dunstonh

If i went to a PPI claim company i might have a better chance of winning.....70% of something as opposed to 100% of nothing.

Statistically you are more likely to fail by using a claims company. A complaints handler at a bank is going to be more sympathetic with a complaint that is honest and using the FOS form than a standard one-size-fits-all template letter they have seen thousands of times with everyone just happening to have the same reasons. In areas where there is a lack of evidence, credibility comes into play. A template letter giving fake and made up reasons by a claims company lacks credibility and harms your chance of success.

Abbafan1972

I am still waiting to hear from the HSBC, as they contacted me regarding a loan I took out with them in 2007.

I answered the questions to the best of my knowledge and memory. Most of the technical details regarding the meeting I couldn't remember anyway. I did have to contact my previous employer to ask about their sickness policy, as there was question about that.

Has anyone here won a case with the HSBC? They said it takes 8 weeks and I'm sure it's been that long since I sent the claim form back. I still haven't heard anything back yet.

dunstonh

Has anyone here won a case with the HSBC? They said it takes 8 weeks and I'm sure it's been that long since I sent the claim form back. I still haven't heard anything back yet.

Yes they have. HSBC are affected just like any other bank. However, 8 weeks is early. Many have been waiting 12-18 months.

[Deleted User]

dunstonh wrote: »

Yes they have. HSBC are affected just like any other bank. However, 8 weeks is early. Many have been waiting 12-18 months.

That's a little unfair I think, Dunstonh. Only people who've referred their declined complaint to the Ombudsman are kept waiting that long.
HSBC (in common with other banks) have eight weeks in which to consider a complaint. So the OP should be receiving a full and final letter within that timeframe.

Abbafan1972 wrote:

They said it takes 8 weeks and I'm sure it's been that long since I sent the claim form back. I still haven't heard anything back yet.

You should have at least had an acknowledgement letter before now. If you haven't, you should contact them to see if they have received your form. Why didn't you keep a note of the date you sent it, by the way?

dunstonh

That's a little unfair I think, Dunstonh. Only people who've referred their declined complaint to the Ombudsman are kept waiting that long.
HSBC (in common with other banks) have eight weeks in which to consider a complaint. So the OP should be receiving a full and final letter within that timeframe.

Whilst 12-18 months is a worst case scenario, the 8 week timescale is an objective figure where the individual can go to the FOS after that. However, plenty of complaints are still taking longer than the 8 weeks.

[Deleted User]

dunstonh wrote: »

plenty of complaints are still taking longer than the 8 weeks.

I know this, of course, but the OP should at least get an acknowledgement within the first eight weeks.