CPP - HSBC Cardguard
MattDB
Posts: 32 Forumite
I contacted HSBC a while ago re: a cardguard policy I took out when I was 18 - I genuinely remember the bank employee telling me how important it was to take it out - still don't really know what it was. I cancelled it in the end but had paid into it for about 10 years.
HSBC told me that they don't keep records longer than 5 years and so couldn't tell if I was entitled to anything. As it had been so long ago I didn't have any records either! Since then the only thing I've found is a record of my cardguard policy number.
Is this a lost cause? Does anyone have experience of this? I've tried a couple of claims companies who weren't interested.
Any advice much appreciated.
HSBC told me that they don't keep records longer than 5 years and so couldn't tell if I was entitled to anything. As it had been so long ago I didn't have any records either! Since then the only thing I've found is a record of my cardguard policy number.
Is this a lost cause? Does anyone have experience of this? I've tried a couple of claims companies who weren't interested.
Any advice much appreciated.
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Comments
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'They could have charged you for making a second complaint.'
Really?0 -
You are only allowed one complaint (which failed).'They could have charged you for making a second complaint.'
Making a second complaint, despite already having a full and final rejection, was effectively a waste of the Claim Company's time for which they could have charged you.
Yes, really.0 -
I contacted HSBC a while ago re: a cardguard policy I took out when I was 18 - I genuinely remember the bank employee telling me how important it was to take it out - still don't really know what it was. I cancelled it in the end but had paid into it for about 10 years.
HSBC told me that they don't keep records longer than 5 years and so couldn't tell if I was entitled to anything. As it had been so long ago I didn't have any records either! Since then the only thing I've found is a record of my cardguard policy number.
Is this a lost cause? Does anyone have experience of this? I've tried a couple of claims companies who weren't interested.
Any advice much appreciated.
Fortunately you still have the policy number so you could try sending a DSAR to CPP, address on their website and see if that pruduces any records of this policy. I got mine for a CPP policy that ended in 1998. Depending on what CPP find, might be enough to send a complaint to HSBC if they sold sold the policy to you before 2005.0 -
Moneyineptitude wrote: »You are only allowed one complaint (which failed).
Making a second complaint, despite already having a full and final rejection, was effectively a waste of the Claim Company's time for which they could have charged you.
Yes, really.
Ahhh - maybe. Although I don't think it was a full and final rejection - HSBC just did 'we don't have enough information to do anything unless you can provide it'0 -
Fortunately you still have the policy number so you could try sending a DSAR to CPP, address on their website and see if that pruduces any records of this policy. I got mine for a CPP policy that ended in 1998. Depending on what CPP find, might be enough to send a complaint to HSBC if they sold sold the policy to you before 2005.
Great starting point - thank you!0 -
Definitely.Ahhh - maybe.
It's full and final unless you can somehow obtain documentary evidence of the payments you made. The earlier suggestion MAY turn up something, but it's hardly a "starting point". If CPP have no records then your complaint is over before it's begun (again).I don't think it was a full and final rejection - HSBC just did 'we don't have enough information to do anything unless you can provide it'0 -
Moneyineptitude wrote: »it's hardly a "starting point".
Sincere apologies for my flippant terminology0
This discussion has been closed.
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