HSBC Claim Help

Jase1976

Hi all,

I have written to HSBC's PPI Complaints department about reclaiming my PPIon various loans and cards with the bank.
They have written back to me with 6 x Personal Loan PPI reference numbers with the corresponding loan numbers and 1 x Cardholder PPI and corresponding account number.

They have also enclosed a generic PPI consumer questionnaire.
Given there are 7 accounts and the only details I have are the numbers they have given me, how do I now go about finding out dates and amounts so I can comlleye the questionnaire fully?

Any help sincerely appreciated.

[Deleted User]

Jase1976 wrote: »

They have written back to me with 6 x Personal Loan PPI reference numbers with the corresponding loan numbers and 1 x Cardholder PPI and corresponding account number.

They have provided all information you need, all you have to provide is valid and (preferably) verifiable complaint reasons for mis-sale. The amounts and dates are already on file with them.Remember that it is not somehow wrong to have insurance, in order for it to be refunded it has to have been mis-sold to you.

-taff

send them a SAR and £10. You don't need this information though, only the account numbers.

Jase1976

To be honest, they were all mis-sold. As were the loans. I started with one loan and whenever I wanted to top up the loan or extend my overdraft, they used every tactic under the sun to get me to take more loans out along with the PPI.

I guess I was a first customer from their point of view - gullible and trusting.

I never needed PPI or wanted it, but was made to feel like I had to have it.

Thanks for your help anyway. I appreciate it!

-taff

They didn't force you to sign anything, you chose to have these loans.


I really wish people would stop absolving themselves of the blame for taking credit. You don't have to most of the time, it's never a life and death situation.

Jase1976

I think you miss the point Taff.

I am to blame for taking the loans. I am reclaiming my PPI because it was mis-sold. The bank will pay me because they know it was mis-sold.

Ironically, I will probably use similar license with the truth when claiming as they did when selling.

I see this as a way to get easy money from the banks by taking the truth and stretching it to my own ends. That's exactly what they did to me - not through any misunderstanding or misplaced sense of duty. They did it because they knew people trusted them and would listen to them.

I am annoyed with myself, but I like to afford people/institutions with the same respect they afford me. In this case it's none.

By all means judge me, but really, I'm not ashamed of being human.

[Deleted User]

Jase1976 wrote: »

I see this as a way to get easy money from the banks by taking the truth and stretching it to my own ends.

What makes you so confident that "stretching" the truth will be "easy" money for you?
Without evidence to back up any claims you might make there are no guarantees that the Bank will refund any money.

McKneff

God Almighty, I despair of the greed in the world, where you will lie/stretch the truth to get a couple of quid.

You think it was miss sold. The bank have not said it was miss sold. You are deluded because there are £ signs clouding your vision.

Have you been smoking something.

All your doing is showing yourself up, to be greedy, and an idiot not to have read all the terms and conditions before you signed anything.

Do you want to ask your mother if she is proud of you....pft,

I think your trolling anyway lol,

Jase1976

Moneyineptitude wrote: »

What makes you so confident that "stretching" the truth will be "easy" money for you?
Without evidence to back up any claims you might make there are no guarantees that the Bank will refund any money.

I suppose it will be "easy" money if they pay. If they don't pay, then it was worth a shot.

Not that you'd believe this, but it was the bank who advised me to claim and gave me all the information to do so (with the exception of the info solicited in the above post). I stopped repaying a loan 8 months ago and they call me almost every day to chase the payment. When I told them I couldn't afford it, they asked about PPI and suggested I try to claim so I could pay them.

McKneff wrote:

God Almighty, I despair of the greed in the world, where you will lie/stretch the truth to get a couple of quid.

You think it was miss sold. The bank have not said it was miss sold. You are deluded because there are £ signs clouding your vision.

Have you been smoking something.

All your doing is showing yourself up, to be greedy, and an idiot not to have read all the terms and conditions before you signed anything.

Do you want to ask your mother if she is proud of you....pft,

Firstly, a couple of grand isn't likely to get me overly excited. I have all I need in life - and although I'll spend it, it's a bit of fun and nothing else.

I'm claiming because the banks tried very hard to screw me over for a number of years, so I think it's fair I do the same.

To be proud it would have to be an achievement. I see no achievement in following a relatively straight forward paper exercise.

I find it genuinely odd that people don't get that...

No trolling btw.

[Deleted User]

Jase1976 wrote: »

Not that you'd believe this, but it was the bank who advised me to claim and gave me all the information to do so

Why should I not believe you? Banks are writing to all customers who may have been mis-sold PPI.
I only took exception to your statement that this was "easy money".

Jase1976

I assumed you wouldn't believe me as people seem to get very aggressive when people are open about their motives and start to look for some agenda.

I'd say 75% of claimants are opportunists - of which I am one. And yes, it feels good to maybe just once get the upper hand on the banks.

In the grand scheme of things though, it's all just a sad indictment to the world we live in.

If you can't beat them and all that.