HSBC PPI Letter

RedBarman

Looking for some guidance before I potentially shoot myself in the foot. I wrote to HSBC requesting details of any PPI policies before the deadline. I have had a letter back confirming 2 policies from 2000 and 2001. They have also stated that they are treating it as a complaint. They have also asked me to complete a form to assist them, although this form appears to be a PPI complaint form, but they already have a complaint from me. So should I fill the form in stating that I didn't want the PPI was told there was no option blah blah blah or just ignore it? I am conscious that the majority of the information I can provide due to the timescale is no better than what they already have. I am also aware that this may be a ploy by the bank to get out of paying me anything hence the caution.

TIA

Labsuper

Complete the form if you want to progress a complaint. Why do think it's a ploy?

BoGoF

If that's your argument the don't hold your breath.

[Deleted User]

RedBarman wrote: »

I am also aware that this may be a ploy by the bank to get out of paying me anything hence the caution.

What an odd ploy that would be.

Fill in the form if you have valid complaint reasons but omit the blah blah blah bit.

RedBarman

Will do, just thought it was worth checking as they have acknowledged my complaint and in the same letter asked me to fill in a complaint form. Thanks for all the prompt responses.

SonOf

but they already have a complaint from me.

Earlier in your post, you mentioned that you made an enquiry requesting details. Now you are saying you have made a complaint. Which is it?

So should I fill the form in stating that I didn't want the PPI was told there was no option blah blah blah or just ignore it?

Hopefully you have something better than that as most complaints using those reasons would not be expected to succeed on those particular points (they may go on to succeed on other things).

I am also aware that this may be a ploy by the bank to get out of paying me anything hence the caution.

I'm afraid the complaint outcome stats do not reflect your views.

RedBarman

SonOf wrote: »

Earlier in your post, you mentioned that you made an enquiry requesting details. Now you are saying you have made a complaint. Which is it?

Thanks for managing to read the first 3 sentences I wrote, I guess the 4th was asking too much.

[Deleted User]

RedBarman wrote: »

Thanks for managing to read the first 3 sentences I wrote, I guess the 4th was asking too much.

So you didn't actually make a complaint and are relying on the Bank to find reason(s) to refund your PPI solely on a "request for details" rather than giving your own reasons? You need to fill in the questionnaire fully and honestly to have a realistic chance of refund.

If I were you, I'd also lose the attitude if you want helpful responses to your query...

brettcta

RedBarman wrote: »

Thanks for managing to read the first 3 sentences I wrote, I guess the 4th was asking too much.

You made a request for info and due to the timescales, the bank auto converted it to a complaint for you. Handy as if they didn’t, you’d have been out of time once they got back to you.

As per other responses, you’re asking for information, tripping yourself up and then being arsey to responders.

They’ve likely sent you a FOS questionnaire which is to give you the opportunity to put your complaint forward. You don’t have to complete this but if you don’t, HSBC will simply review your complaint based on the info they have (I.e. your application form).

No ploy and, if anything, they’re doing you a [number of] favours

[Deleted User]

RedBarman wrote: »

I am also aware that this may be a ploy by the bank to get out of paying me anything hence the caution.

Far from simply worrying about "ploys", is this finance one which you worried about defaulting back in 2014 on a previous thread?
https://forums.moneysavingexpert.com/discussion/comment/67051374#Comment_67051374

If so, you should be aware that the Bank can still offset any redress (should it even be awarded) against monies which were written off as part of such defaults...

brettcta

Detective Ineptitude on the case