Plevin vs. Mis-selling

SusieBlueman

My husband had PPI on a credit card with HSBC for around 10 years.

He tried to claim back PPI but his claim was rejected as they considered that they had not mis-sold PPI to him, however they upheld the 'Plevin' part of his complaint regarding commission and he received a smaller payout on this.

We were on the understanding that he had to wait 6 months and then try to claim again, but now he is being told that because he received a payout on the basis of Plevin, he can't try again and that he should have gone to the Ombudsman within 6 months.

Can anybody shed any light on this? Can a claim for mis-selling be started again, despite receiving a plevin payout?

Thanks for any advice.

Nasqueron

SusieBlueman wrote: »

My husband had PPI on a credit card with HSBC for around 10 years.

He tried to claim back PPI but his claim was rejected as they considered that they had not mis-sold PPI to him, however they upheld the 'Plevin' part of his complaint regarding commission and he received a smaller payout on this.

We were on the understanding that he had to wait 6 months and then try to claim again, but now he is being told that because he received a payout on the basis of Plevin, he can't try again and that he should have gone to the Ombudsman within 6 months.

Can anybody shed any light on this? Can a claim for mis-selling be started again, despite receiving a plevin payout?

Thanks for any advice.

Unfortunately your understanding is incorrect. The letter you would have received with the rejection would have stated you had 6 months to refer to the FOS if you were unhappy not that you had to wait 6 months then try.

No you cannot start a new complaint, after the 6 months you are out of time.

[Deleted User]

SusieBlueman wrote: »

Can a claim for mis-selling be started again, despite receiving a plevin payout?

The bank will only (very rarely) agree to re-open a complaint of mis-selling if you have very significant new evidence not in your original complaint. You cannot just continue making the same complaint repeatedly, though.

Otherwise, you had six months to refer your complaint to the Ombudsman. This is very carefully made clear in the letter you will have received and misunderstanding it does not give you any right to complain again.

So your complaint is at an end. Sorry.

(Just for information, accepting a Plevin refund does not preclude a later FOS referral, but any subsequent award would have the value of the Plevin refund deducted from it)

dunstonh

We were on the understanding that he had to wait 6 months and then try to claim again,

Where did you get that idea from?

Nothing issued in your complaint process would say that. Indeed, it would warn you of the 6 month deadline.

Can a claim for mis-selling be started again, despite receiving a plevin payout?

No.