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Hi all,

After years of hearing about reclaiming PPI I decided there would be nothing lost in giving it a go. I used an online company called reclaimppi. I couldn't be bothered doing it myself and I considered the chances to be low anyway.

Shortly after submitting my details I considered them to be even lower as the claim I put in for was relating to a loan I took out with HFC bank in the 1980's for a Motorcycle and I discovered they probably couldn't go back that far anyway. I immediately emailed reclaimppi to tell them this as I didn't want to waste my or their time but this was ignored.

I kept an eye on the claims tracker nonetheless and after a few weeks it appeared "Great news, HSBC have said you had PPI on 2 credit cards".

HSBC? How strange. Never had any dealings with them let alone credit cards. I done a little bit of Googling and it seems that HFC transferred some of their business to HSBC and according to the paperwork I had to print out it was from around 1985 which kind of made sense. Why credit card instead of personal loan? I have no idea.

So after completing around 50 pages of paperwork and submitting it I waited with excitement and baited breath, (OK, I wasn't really that excited but I was certainly curious).

After another couple of weeks the online tracker updated to "HSBC say you have not had PPI".

Eh? How come I did have and then I didn't?

I contacted reclaimppi again by email to request a few clues as to what had occured here but once again they have ignored me. Despite searching their website I can find no contact telephone number for them either.

Does anybody think this is worth pursuing further or is there a likely reason for being told I had PPI and then being told I hadn't after submitting my claim?

Thank you.

Comments

  • [Deleted User]
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    Is this tracker something provided by the claims company?

    If so, you can probably reliably assume it's incorrect.

    If you think you have a complaint re PPI, just write to the lender yourself. You'll still end up paying a fee to the claims company, but at least something will get done.
  • dunstonh
    dunstonh Posts: 116,707 Forumite
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    Why credit card instead of personal loan? I have no idea.

    Many claims companies don't specify the debt in question. They put in a blanket complaint covering any liability issued by that bank.

    Eh? How come I did have and then I didn't?

    During this time, has HSBC ever written to you? The claims company may put in the initial complaint but any letters are sent to you (a copy may go to the CMC but you always get the original).
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • -taff
    -taff Posts: 14,610 Forumite
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    I think you can safely assume that if you didn't have any credit cards with them, the chances of you having PPI on the non existent credit cards is absolutely zero and your PPI company are a lying bunch of [insert descriptive word]
    Shampoo? No thanks, I'll have real poo...
  • flicks
    flicks Posts: 199 Forumite
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    Hi again,

    Thanks for the replies. zx81, yes the tracker was provided by the claims company.

    dunstonh, nope I have heard nothing from HSBC by post or telephone. When I submitted the paperwork it said that the bank/lender would deal direct with the claim company but may make an offer directly to me and should that happen I should contact the claim company, (goodness knows how), to see if the offer was fair.

    -taff, yes I totally agree. There's probably nothing owing but I just don't know why they didn't say that in the first place instead of making me print and post umpteen pieces of paper for no reason.

    Thanks again
  • dunstonh
    dunstonh Posts: 116,707 Forumite
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    dunstonh, nope I have heard nothing from HSBC by post or telephone. When I submitted the paperwork it said that the bank/lender would deal direct with the claim company but may make an offer directly to me and should that happen I should contact the claim company, (goodness knows how), to see if the offer was fair.

    The bank is required, by the FCA regulations, to acknowledge your complaint. So, as you have had nothing. I would be on guard as to whether they have ever had the complaint sent to them. It may be worth you phoning the complaints team and ask them to verify they have received the complaint and what the status is.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • flicks
    flicks Posts: 199 Forumite
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    Thanks dunstonh. This is where the problem lies. There is no sign of a contact number on their website. It seems the only way to contact them is by email which they just ignore.
  • dunstonh
    dunstonh Posts: 116,707 Forumite
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    https://www.hsbc.co.uk/1/2/contact-and-support/feedback-and-complaints

    Most banks are not set up to deal with specific issues via email. However, you can see their website has various telephone numbers
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • flicks
    flicks Posts: 199 Forumite
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    Ah, sorry dunstonh, I thought you meant contact the claims company.

    Many thanks for the link.
  • dunstonh
    dunstonh Posts: 116,707 Forumite
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    My fear is that as you have heard nothing from HSBC, I wonder if they even had the complaint in the first place. By contacting HSBC and telling them you have heard nothing, they can see if they have a complaint recorded and what the status is.

    Even when you use a CMC, the bank will still write to you to tell you they have the complaint and what happens next etc.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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