HSBC - Marbles - BOS - HFC PPI

just1_2

Hi,

I complained about PPI on my Marbles card that was closed in 2010.
I received my decision letter from BOS saying that the time PPI was charged it was HSBC's decision.
HSBC have defended the mis-sold complaint saying they can see PPI payments were made but in 1999 the application online had a tick-box and the banks didn't make mistakes so the miss-selling complaint was not to be upheld even though they admit the agreement paperwork cannot be located.

BOS have decided that I will get a Plevin payment of £3600 back which cheers me up.

I can't help thinking that I should take HSBC to the Ombudsman as they admit PPI payments were made...or should I just take the money and drop it?

Cheers in advance

[Deleted User]

just1 wrote: »

I can't help thinking that I should take HSBC to the Ombudsman as they admit PPI payments were made..

It's not somehow wrong that you simply had PPi. In order for it to be refunded it has to have been mis-sold to you.

You also appear to be confused about the reasons your complaint was rejected. Online complaints are normally rejected because there was no tick-box, not because there was.

I recommend you re-read the rejection letter to fully appreciate whether you have valid reasons for referring to the Ombudsman.

just1_2

Hi,
Thanks for replying, attached is the relevant part of my letter:

https://imgur.com/j3P1nBN

[Deleted User]

just1 wrote: »

Hi,
Thanks for replying, attached is the relevant part of my letter:

https://imgur.com/j3P1nBN

So there was a tick-box on the application but it was not pre-populated and so clearly optional. This indicates that there was no mis-sale, as no one actually sold it to you. If the policy was unsuitable therefore, you mis-bought it yourself online.

So you don't appear to have anything valid to refer to the Ombudsman. The fact that they no longer have the original Agreement does not help your case I'm afraid.