PPI Reclaiming successes and failures

di3004

nicole_moore wrote: »

I complained to HSBC in September and after emailing them constantly, i have just had a call from their claims department to say that they have upheld my complaint and i am entitled to £6400 back!! The letter will be in the post tonight with my acceptance form inside! It has taken its time but the claims department at HSBC are great, once they get round to dealing with the complaints! :j:j

A BIG well done!:T Congratulations!:beer:

Harley80

nicole_moore wrote: »

I complained to HSBC in September and after emailing them constantly, i have just had a call from their claims department to say that they have upheld my complaint and i am entitled to £6400 back!! The letter will be in the post tonight with my acceptance form inside! It has taken its time but the claims department at HSBC are great, once they get round to dealing with the complaints! :j:j

Who did you email at HSBC? I complained in September, and am no further with progressing with mine at all, they keep telling me that they are waiting for FSA guidance on how long they have to deal with these complaints. I asked them instead of waiting for guidance on how long it should take, why dont they just deal with the backlog. She told me it didn't work like that.

amersall

Max_Grammy wrote: »

I have a secured loan with First Plus taken out when i was married. Tried to reclaim PPI as never informed it was only for 5 years even tho loan was for 10 years.
Wrote directly to First Plus - they refused to have anything to do with it - then wrote to FSO who said they had 'all information they needed from me' and would pursue the claim.
Numerous letters and over 3 years later FSO said they needed my ex husband signature - since he is now serving a 17 year prison sentence and is allowed no contact what so ever with me or my children I have no way of resolving this issue.
When I told FSO they had previously told me they had everything they needed and if they had asked for his signature at the outset of the claim I could have got it then, they basically said tough not there problem - no where to go from here and because he is in prison full responsibility of loan falls to me!!!!

Sorry to hear this,i am suprised with the FOS and FP not asking you for joint signature in the beginning.

Can you write to him or get someone to visit and take in the forms? this is really a shame as you will be persecuted with this loan to term end, as FP keep raising interest rates, and they dont need a reason to do this!!.
It would be in your best interests to try and get him to sign for this, there has to be a way.

If you win, then the ppi will come off the loan and your monthly payment will come down by the ppi monthly amount, this will save you thousands in interest.

amersall

di3004 wrote: »

Hi there

I am so sorry to hear of your issues here.
Could you write to the Officer at the prison and explain you just require a signature from your husband in regards of a reclaim that have been going on for 3 years, and as its a joint matter you only require this so the Financial Ombudsman Service (FOS) can continue with the case.
Do you have a copy of the letter or email from the FOS about this, if not ask if they could send one so you can send a copy to the prison, but the only suggestion otherwise is to contact your local citizens advice who may be able to help on your behalf.

Hope this matter gets sorted, good luck to you.

Agree Di, this is an awful situation to be in, hope op gets this sorted.

If i were op i would put a complaint into the FOS about the FOS and how they did not pick up on this before now.

Jomo

Harley80 wrote: »

Who did you email at HSBC? I complained in September, and am no further with progressing with mine at all, they keep telling me that they are waiting for FSA guidance on how long they have to deal with these complaints. I asked them instead of waiting for guidance on how long it should take, why dont they just deal with the backlog. She told me it didn't work like that.

Tbf, mbna did this to me, I just waited patiently and they contacted me telling me my claim was being upheld. One could presume you should hear from them soon though

klflosser

Letter from MBNA and they have finally cleared the balance of my account - some 3 weeks after I received the balance cheque. Better late than never!

Just rang RBS and they said they have staff working 24 hours a day and are taking on more to work through their backlog on hold from JR. I asked why they had made me an offer on a credit card claim, which was sent at a later date and was told that not all cases were held up. Funny that as exactly same reasons for mis-selling and cc was taken out in 2002. Loans, both front loaded as well as other issues were from 2004 and 2006.
Said it could be at least a few months before I can expect to hear anything.

nicole_moore

Harley80 wrote: »

Who did you email at HSBC? I complained in September, and am no further with progressing with mine at all, they keep telling me that they are waiting for FSA guidance on how long they have to deal with these complaints. I asked them instead of waiting for guidance on how long it should take, why dont they just deal with the backlog. She told me it didn't work like that.

Hi, i emailed the ceo at [EMAIL="chiefexecutivehsbcbank@hsbc.com"]chiefexecutivehsbcbank@hsbc.com[/EMAIL] , i explained that i thought i had been more then fair with the amount of time i had waited for a response to my complaint and i played a bit on the financial hardship card, i just explained that this was my money that had been taken from me and i also mentioned that if was ever late with my loan payment, they would ring me over and over again until they had their money so why should i treat them any differently to how they treated me! I got a standard reply the firt time, telling me it had been passed to the relevant department but 24 hours later i still had no contact so i emailed again asking why if i had emailed the ceo of HSBC directly was my complaint being passed to another department in HSBC who had already had my complaint for nearly 9 months? I asked if the ceo or someone in his office would be reading my complaint and 30 minutes after i sent that email i was called from the claims department and told i would have a written answer with in 10 working days. This was thursday last week, i called yesterday to check that it was on its way and i wa told my response was with the ceo to be signed off and i would have my letter by early next week. Today the same lady i had been dealing with called me and gave me the details of the letter, my complaint was upheld and the amount i am due back.

I honestly think that it is all down to asking why the ceo was not dealing with my complaint.

Hope this helps.

farcove54

h0pusp0pus wrote: »

just rang hm revenue and customs they were very helpful and she could see that i wasnt paying national insurance back in 96 but she said i have to request a sar to get the information in writing i asked her how long this might take she said it takes up to 3 weeks to filter through their mail system (3 WEEKS!!!) and then she couldnt say how long it would take once it got to the right person,so i doubt im going to make the 4 week dead line requested by santander!! do you think it would be worth me writing to santander teeling them all the information about me resquesting a sar and asking them to extend the dead line of closing the complaint? i really dont want to have to fill out all the forms again and wait another 8 weeks

Had 2 letters from Santander today. One in reply to mine stating it would take a while to obtain information from HMRC, they replied stating my complaint is being dealt with.
The other states that I have until 20th June to forward information requested on National Insurance otherwise the case will be closed.
There is no way HMRC will send me the information before 20th June.
I intend phoning Santander tomorrow.
Kay x

smitchy73

klflosser wrote: »

Letter from MBNA and they have finally cleared the balance of my account - some 3 weeks after I received the balance cheque. Better late than never!

Just rang RBS and they said they have staff working 24 hours a day and are taking on more to work through their backlog on hold from JR. I asked why they had made me an offer on a credit card claim, which was sent at a later date and was told that not all cases were held up. Funny that as exactly same reasons for mis-selling and cc was taken out in 2002. Loans, both front loaded as well as other issues were from 2004 and 2006.
Said it could be at least a few months before I can expect to hear anything.

Hi kfl, may I ask what your reasons for mis-sell with RBS were, I am awaiting SAR paperwork, but had 6 loans over about a 6 yr period all with ppi and all refinancing each other, I have my reason's just wondered what yours were when submitting your claim for mis-sell. If you want you can pm me.
Cheers

smitchy73

willtheywontthey? wrote: »

Hi everyone, spurned on by the sucess I have heard about through this site I am attempting to re-claim my fees against cap 1 on a credit card.
I sent off a template explaining that it wasn't explained that the insurance was optional on my telephone application (when they called me) and that the full policy wasn't explained properly.

They have now written back to me explaining that the PPI wasn't added at application so they weren't going to look into this any further and to go away. They also sent me the application form and security details of a completely different customer!

I contacted them and the first thing they said was that they couldn't tell on their system when or how it was added to my account but the first CSR of the call said it had been on my account since application, when I questioned this (and the other persons personal data) she put me on hold to speak to her supervisor who then took the call. She had a similar stance on not seeing when/how it was added but after inspecing my statements said it was showing on my second statement which was in June 2002. I was told if I still wasn't happy with their investigation to write back in. When I brought up the other custs personal details she said it was a mistake and not to worry about it and just send it back...I don't think so! How do I know that they've not sent my details to random other people? I don't and she couldn't see why I was unhappy about this.

I have sent them a letter explaining that I am still unhappy and asking for proof that the policy wasn't mis-sold (which is what they said in their letter) and that I was made aware of the full policy details. I also asked what to do with the other persons details (including the details of the claims management company she is using) and I am waiting a response.

First of all has anyone had any sucess with cap 1 after they turn down the first letter and what does everyone think I should do about the details of the other person?

Also has anyone got any suggestions on a good way of taking this forward or am I doing the right thing so far?

Thanks in advance

In regards to your being sent someone else details, might be worth checking with the Information Commisoners Office, they might have failed the Data Protection Act by sending the details to you. Someone else may be able to confirm this.