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  • FIRST POST
    • mrsmyers
    • By mrsmyers 23rd Sep 19, 12:17 PM
    • 4Posts
    • 0Thanks
    mrsmyers
    PPI - declined
    • #1
    • 23rd Sep 19, 12:17 PM
    PPI - declined 23rd Sep 19 at 12:17 PM
    Hi can anyone advise, i made a claim for PPI, first i was told they couldn't find anything so i was able to find my old acct number (after much digging through old papers) now they have written back saying they have destroyed all paperwork relating to my acct.
    My question is can i take this any further or should i just forget about this.
    Many thanks & have a great day
Page 1
    • AnotherJoe
    • By AnotherJoe 23rd Sep 19, 12:23 PM
    • 16,238 Posts
    • 19,474 Thanks
    AnotherJoe
    • #2
    • 23rd Sep 19, 12:23 PM
    • #2
    • 23rd Sep 19, 12:23 PM
    Hi can anyone advise, i made a claim for PPI, first i was told they couldn't find anything so i was able to find my old acct number (after much digging through old papers) now they have written back saying they have destroyed all paperwork relating to my acct.
    My question is can i take this any further or should i just forget about this.
    Many thanks & have a great day
    Originally posted by mrsmyers

    Well
    couldn't find anything
    would correlate with
    they have destroyed all paperwork relating to my acct
    Did you actually have PPI or was this a speculative claim in case you had it?
    If you did have it what are your grounds for misselling and is there anything in your old papers that would back that up?
    Please dont criticise my spelling. It's excellent. Its my typing that's bad.
    • SonOf
    • By SonOf 23rd Sep 19, 12:45 PM
    • 1,763 Posts
    • 2,023 Thanks
    SonOf
    • #3
    • 23rd Sep 19, 12:45 PM
    • #3
    • 23rd Sep 19, 12:45 PM
    PPI - declined
    it hasn't been declined. Your complaint never got that far.

    What they are saying is that they couldnt find any evidence that you had PPI (let alone whether you were missold it or not).

    My question is can i take this any further or should i just forget about this.
    If they have nothing and you have nothing then it is game over. If you have records of you paying PPI, then you can supply copies to them and they are required to use your records.
    • DAKOTA45
    • By DAKOTA45 8th Oct 19, 12:53 PM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    • #4
    • 8th Oct 19, 12:53 PM
    • #4
    • 8th Oct 19, 12:53 PM
    So...if you just have a bank statement which shows an account number for a loan being paid every month, but have no paperwork, then you can't make a claim for PPI?
    Surely, it would then be in the banks' interests to shred every bit of paperwork over 6 years old...
    They do hang onto old stuff, but they don't need to tell us about it, do they?
    • zx81
    • By zx81 8th Oct 19, 1:00 PM
    • 24,087 Posts
    • 26,798 Thanks
    zx81
    • #5
    • 8th Oct 19, 1:00 PM
    • #5
    • 8th Oct 19, 1:00 PM
    So...if you just have a bank statement which shows an account number for a loan being paid every month, but have no paperwork, then you can't make a claim for PPI?
    Originally posted by DAKOTA45
    You can make a complaint, but you're reliant on their records.

    They do hang onto old stuff, but they don't need to tell us about it, do they?
    Originally posted by DAKOTA45
    Yes, they do.
    • SonOf
    • By SonOf 8th Oct 19, 1:48 PM
    • 1,763 Posts
    • 2,023 Thanks
    SonOf
    • #6
    • 8th Oct 19, 1:48 PM
    • #6
    • 8th Oct 19, 1:48 PM
    Surely, it would then be in the banks' interests to shred every bit of paperwork over 6 years old...
    It doesnt work that way. Data destruction is phased. It is also impacted by whether you are a current customer or not.

    They do hang onto old stuff, but they don't need to tell us about it, do they?
    If you make a DSAR then they are required to give you info on what they hold.
    • Moneyineptitude
    • By Moneyineptitude 8th Oct 19, 11:54 PM
    • 24,909 Posts
    • 14,425 Thanks
    Moneyineptitude
    • #7
    • 8th Oct 19, 11:54 PM
    • #7
    • 8th Oct 19, 11:54 PM
    So...if you just have a bank statement which shows an account number for a loan being paid every month, but have no paperwork, then you can't make a claim for PPI?
    Originally posted by DAKOTA45
    Well since August 29th 2019 you can't make a new PPI complaint full stop. However, it is certainly true to say that , prior to that date, complainants without evidence of PPI were fully reliant on their lender's records. Regardless, many many many many many many people had no problem getting refunds despite having no documents to support their complaint. Remember that proving you had PPI was just the first hurdle, in order to be sure of a refund you had to show it was mis-sold to you.

    This has all been very fully explained to you already on other threads...
    • DAKOTA45
    • By DAKOTA45 9th Oct 19, 2:52 PM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    • #8
    • 9th Oct 19, 2:52 PM
    • #8
    • 9th Oct 19, 2:52 PM
    Thanks to all who took the time to reply... Just one thing... I've made several requests to HSBC for a SAR, but they just don't get back to me... so I have contacted the FO and am about to fill in their forms... There are two, one is for the complaint (Failure to suppy a SAR, I imagine), and the other one is the PPI form... I have several policy numbers and wondering if a need a separate form for each one... or would I just put all the accounts that I know I held with HSBC on the same form... it 's a little bit confusing...
    • Moneyineptitude
    • By Moneyineptitude 10th Oct 19, 12:06 AM
    • 24,909 Posts
    • 14,425 Thanks
    Moneyineptitude
    • #9
    • 10th Oct 19, 12:06 AM
    • #9
    • 10th Oct 19, 12:06 AM
    I've made several requests to HSBC for a SAR, but they just don't get back to me... so I have contacted the FO and am about to fill in their forms... There are two, one is for the complaint (Failure to suppy a SAR, I imagine), and the other one is the PPI form... I have several policy numbers and wondering if a need a separate form for each one... or would I just put all the accounts that I know I held with HSBC on the same form... it 's a little bit confusing...
    Originally posted by DAKOTA45
    What do you hope will be the result of this "complaint"? If you think it will be anything other than simply a SAR of what they still have on file for you and perhaps an apology for the delay then you are going to be disappointed.
    The FO (Foreign Office ? ) cannot force HSBC to provide information they no longer have (or never had in the first place).
    Sorry.
    • DAKOTA45
    • By DAKOTA45 10th Oct 19, 6:00 PM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    What do you hope will be the result of this "complaint"? If you think it will be anything other than simply a SAR of what they still have on file for you and perhaps an apology for the delay then you are going to be disappointed.
    The FO (Foreign Office ? ) cannot force HSBC to provide information they no longer have (or never had in the first place).
    Sorry.
    Originally posted by Moneyineptitude
    Sorry... Financial Ombudsman...

    Why do you say they 'never had it in the first place'?
    I've had several loans, credit cards & mortgages with HSBC... of course they must have had the paperwork at some point... they may not hold historical records, but then again, I think maybe they do...

    I'm only doing what we were all told to do, which was to put in a claim where there might be (mis-sold) PPI attached to loans & credit cards... we were told by Martin Lewis that we should apply even if we no longer had the original agreement...and that the banks had made billions out of this insurance, even though they knew that some people would never be able to claim on it... said that we had 'nothing to lose'...
    It's got to be worth a try... hasn't it?
    • BoGoF
    • By BoGoF 10th Oct 19, 6:13 PM
    • 5,468 Posts
    • 5,398 Thanks
    BoGoF
    Dunno why you bother asking questions......you just do your own thing anyway.

    Fill your boots......nobody here cares either way.
    • Moneyineptitude
    • By Moneyineptitude 10th Oct 19, 7:56 PM
    • 24,909 Posts
    • 14,425 Thanks
    Moneyineptitude
    Why do you say they 'never had it in the first place'?
    Originally posted by DAKOTA45
    Clearly, regardless of your loans etc, if you never had PPI there will be no record of it..
    • DAKOTA45
    • By DAKOTA45 13th Oct 19, 10:24 AM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    Dunno why you bother asking questions......you just do your own thing anyway.

    Fill your boots......nobody here cares either way.
    Originally posted by BoGoF
    You sound just like my husband...
    • DAKOTA45
    • By DAKOTA45 13th Oct 19, 10:27 AM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    Clearly, regardless of your loans etc, if you never had PPI there will be no record of it..
    Originally posted by Moneyineptitude
    Just had a letter from Santander saying although there was PPI attached to the card, there is no evidence that I ever used it... which is weird as I still have some old till receipts from that card and I never, ever cleared balances in those days... Hmmm...
    • LABMAN
    • By LABMAN 13th Oct 19, 11:40 AM
    • 1,208 Posts
    • 2,098 Thanks
    LABMAN
    Just had a letter from Santander saying although there was PPI attached to the card, there is no evidence that I ever used it... which is weird as I still have some old till receipts from that card and I never, ever cleared balances in those days... Hmmm...
    Originally posted by DAKOTA45
    On a Sunday?...quite remarkable.
    • DAKOTA45
    • By DAKOTA45 13th Oct 19, 2:17 PM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    On a Sunday?...quite remarkable.
    Originally posted by LABMAN
    Haha! Yes... re-directed via a relative...
    • Moneyineptitude
    • By Moneyineptitude 13th Oct 19, 8:00 PM
    • 24,909 Posts
    • 14,425 Thanks
    Moneyineptitude
    Haha! Yes... re-directed via a relative...
    Originally posted by DAKOTA45
    Nice swerve there!

    Of course, it's entirely possible to have had credit card PPI without ever paying it.

    It's also entirely possible that you did pay and records no longer exist after so long...

    However, if you cannot find evidence of PPI payments from your own archive, both your complaint efforts and your posts here will remain utterly futile I'm afraid.

    You may be sceptical of the Bank's response, but the fact remains that you'll never know for sure one way or the other...
    • DAKOTA45
    • By DAKOTA45 14th Oct 19, 11:37 AM
    • 586 Posts
    • 67 Thanks
    DAKOTA45
    Thanks... (I really did get the post redirected)...I don't suppose my till receipts are any good, then...?
    • Moneyineptitude
    • By Moneyineptitude 14th Oct 19, 1:26 PM
    • 24,909 Posts
    • 14,425 Thanks
    Moneyineptitude
    I don't suppose my till receipts are any good, then...?
    Originally posted by DAKOTA45
    Till receipts only show that you made purchases using your card, not that you paid any insurance policy.
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