Was I Mis-Sold PPI?

[Crutey]

Hi, great site, hope you can offer me some advice.

First of all I rec'd a letter from HSBC a couple of weeks ago, this thanked me for taking out a PPI policy with them and enclosed a policy document.

As I had not requested this and feel I would not need the policy I called them. I was informed that they could not understand why I was issued this letter as my policy started the day I took out the Credit card with them in 2003.

I do not remember having any dicussion with anyone regarding PPI on the card at the time I took it. I only took the card to get a credit rating as at the time I was 19 and could not get a contract telephone due to not having a credit score.

The person I spoke to asked me to write in to cancel the policy, he made no mention of a refund as you would expect. I expect that I likely accepted the PPI or signed something for it which I cant remember but on a further point wonder if I may have been mis-sold the policy.

I work for Local Government, not only do I receive full pay for six months and then half pay for a further six when sick, my contract includes a redeployment clause whereby should my job become redundant they are required to find me an alternative position. On this basis I would feel that PPI woud be of no use to me anyway. Am i right in this assumption?

Do you experts feel I have grounds for a claim?

[Crutey]

Bump :-P

[hellhasnofury]

Originally Posted by Crutey

Hi, great site, hope you can offer me some advice.

First of all I rec'd a letter from HSBC a couple of weeks ago, this thanked me for taking out a PPI policy with them and enclosed a policy document.

As I had not requested this and feel I would not need the policy I called them. I was informed that they could not understand why I was issued this letter as my policy started the day I took out the Credit card with them in 2003.

I do not remember having any dicussion with anyone regarding PPI on the card at the time I took it. I only took the card to get a credit rating as at the time I was 19 and could not get a contract telephone due to not having a credit score.

The person I spoke to asked me to write in to cancel the policy, he made no mention of a refund as you would expect. I expect that I likely accepted the PPI or signed something for it which I cant remember but on a further point wonder if I may have been mis-sold the policy.

I work for Local Government, not only do I receive full pay for six months and then half pay for a further six when sick, my contract includes a redeployment clause whereby should my job become redundant they are required to find me an alternative position. On this basis I would feel that PPI woud be of no use to me anyway. Am i right in this assumption?

Do you experts feel I have grounds for a claim?

Hello,

Me thinks they are trying to cover their tracts, It started in 2003 and they send you the documents in 2007 . I would send a S.A.R - (Subject Access Request), which costs £10 to get all of the information they have relating to the account and then start the process of reclaiming it back