OH's HSBC PPI Reclaim - offsetting? - help

[Old Cogger]

Today letter from HSBC saying they had not received information,

checked with Royal Mail it had been delivered.

 

I'm putting this here as I think the HSBC may have pulled a fast one regarding the address to return the form to,

 

the letter came from the UK Data Protection Compliance Griffin House Sheffield address,

 

the instructions on the form said to return the completed form to the address at the bottom of the attached letter

 

which was the Canada Square address.

 

Time wasters.

 

Griifin House, was the old Midland Bank HQ mentioned in old T&Cs

[Rohannah]

I thought it was out of the Harry Potter stories master of the dark arts and all that stuff.

[Old Cogger]

I thought it was out of the Harry Potter stories master of the dark arts and all that stuff.

 

Oh Yes!!! you are awake to-night lol

[Rohannah]

I have my moments............and these days they are only moments.

[Old Cogger]

[Rohannah]

Bandit,

 

3rd letter today

saying they had had no response from husband as to where to send SAR,

 

phoned them using the number on the letter and told them they had received the reply on the 6th

and that a complaint had now gone in to the ICO.

 

Miraculously there it was on the screen,

we do apologise yes we did receive it,

where do you want it sending

we don't- we want it delivered to the door,

er I cannot really discuss this with you,

 

got OH on the phone and they are sending it by courier.

 

We'll see.

[Lillibelle]

( be a brave person who doesn't chop chop wiv da biznezz to Rohanna just sayin...........) xx

[Rohannah]

I wish.XX

[Rohannah]

Bandit,

SAR stuff arrived yesterday 2 boxes full, reminds me of the Gene Hackman movie Class Action the info is in there..........somewhere.Any update on your request ?

[Rohannah]

Hi

letter from HSBC today rejecting PPI claim.

 

The claim was made on an unsecured loan in 2005,

 

the loan was taken for a business in which my husband would be self-employed

the bank was aware of this however they are saying that the insurance was appropriate for his circumstances,fob off letter basically.

 

The loan was paid off in 2010 but the PPI only came to light several weeks ago when the policy was found while looking for other documents.

 

My husband is now thinking it is a waste of time to pursue the claim (he still has one with the FOS from nearly 2 years ago) Can he make a claim through court ?

[ims21]

Yes he can.

 

Bear in mind with court action that the onus of proof of mis-selling will be on him as the claimant (civil burden on the balance of probability).

 

You will need to be sure that the policy would not have paid out. If the policy states that the self-employed are not covered and your husband was self-employed when the policy was sold to him then that is an excellent start.

[Rohannah]

Thanks ims I'll have to see if he has the policy chances are he hasn't,he didn't know he had it but maybe that is not much of a defence.

[ims21]

Oh...post #1 says the policy was found?

[Rohannah]

Oops sorry ims too much paperwork,the loan agreement was found apparently he never had the insurance policy.

[ims21]

Ask them to provide a copy of the policy so you can check that their statement that it would have paid out is true. If they can't provide the policy then how can they make such a statement?

[Rohannah]

Good thinking ims I'll send a letter ASAP,thanks

[Rohannah]

ims

I've written a letter requesting a copy of the policy however I'm not sure I will get a response as the letter I got off them said it was their final response,I think this is becoming standard practice now

[dx100uk]

did the letter say you can consider this as our final response?

 

what did it exactly say....

 

dx

[Rohannah]

Hi dx,

it said Please note that this letter represents our final response.

[dx100uk]

itmight represent it, but it is NOT their final response

 

cleaver wording.

 

in other words they are inviting you to accept it as such, if you want it too.

 

it does not say it IS there final responce.

 

dx

[Rohannah]

DX

Oh you are good I really didn't spot that well done.I'll carry on regardless then.

Ta

[Rohannah]

dx,

buried in the SAR material was an internal memo written after my reclaim letter after the date on which the loan and PPI finished it says" Refund Inhibit Due to claim", as you are a pretty good wordsmith could you shed any light on this ?

[dx100uk]

dunno yet

post it up......

 

[the memo.

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[Rohannah]

Ok here it is

 

 

[ATTACH]38675[/ATTACH]

[dx100uk]

thats just rolled over text

 

each ends with : reason.

 

you did not use the ins so its blank after

 

dx