Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 19th February 2009 21:59 #1
    a_c_saunders a_c_saunders is offline
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    Default HSBC Loan for travels - PPI refund?

    Hello all!

    Just a quick query to see if I have a leg to stand on here. I took out a graduate loan with HSBCicon in October 2007 to go travelling for a year. I told the guy in the branch this fact and said it would be for longer than 6 months so obviously i wouldnt be working for that time. The way he was talking about the PPIicon as well made it sound like I didn't really have a choice about having it or not so I just signed away not really realising how much extra it would be adding onto my loan.

    Now having seen some posts here it does seem like I should be able to claim it back but I havent come across any other cases yet where people have told their banks they'll be out of work while applying for a loan. Also I was reading the T&Cs and it says that I indicated I have dependents which would benefit from my PPI which i definately DIDN'T say, any chance this would work in my favour too?

    Many thanks in advance!

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  2. 20th February 2009 18:02 #2
    Gordons Barking
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    Default Re: HSBC Loan for travels - PPI refund?

    Depends if you were actually unemployed at the time you signed up.
    If you have patchy documentation send of a Subject access requesticon and trawl through to see what you have after reading through the sticky section at the head of the PPIicon forum.

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  3. 20th February 2009 20:14 #3
    a_c_saunders a_c_saunders is offline
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    Default Re: HSBC Loan for travels - PPI refund?

    Thanks for the reply.

    I was employed at the time but doesn't the fact that I made him aware that of the fact that I'd be volountarily making myself unemployed in the very near future (and hence wouldnt be able to use you the cover anyway) mean that he shouldnt of offered it to me?

    I have the loan agreement that I signed on the day with all the terms and conditionsicon etc. relating to the PPI. Will a SARicon give me more detailed T&Cs than these?

    Will check out the stickes again now, so much info to get my head round!

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  4. 20th February 2009 22:18 #4
    Gordons Barking
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    Default Re: HSBC Loan for travels - PPI refund?

    The SARicon can be useful in letting you know what documentation they have - mind games. There is a statement with a proper compliant SARicon ~'this is all the info we hold'. If you have all the documentation between perhaps it is not required however finding out they do not have a copy of the original agreement would increase your options...
    It is unreasonable to expect a party to a contract to anticipate your future behaviour - I think perhaps others will different opinions.

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  5. 15th May 2009 18:04 #5
    a_c_saunders a_c_saunders is offline
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    Default Re: HSBC Loan for travels - PPI refund?

    Hi all,

    Well its taken bloody ages but I got my SARicon back today and the thing is HUGE. My question is though, what exactly am I looking for in the SARicon? I've found the original PPIicon agreement that states all the "you stated that you are in employment" stuff but am I looking for anything else?

    I'm going to be claiming back on the grounds that the employee who sold it me made it sound like it was compulsary fto have the PPI and that i would be declined the loan without it. Also that I informed the employee the only reason I was taking the loan was to go travelling for a year and hence would be unemployed directly after getting the loan.

    Also I just noticed something wrong in the declaration section. It says "you indicated you have financial dependents who you would wish to benefit from life cover in the event of your death to setlle the outstanding balance on your loan less any arrears" - I definately didnt state this as I'm single with no kids, so could that be used in my case?

    Thanks for any replies in advance.

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  6. 15th May 2009 23:30 #6
    alanalana alanalana is offline
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    Default Re: HSBC Loan for travels - PPI refund?

    Well its taken bloody ages but I got my Subject access request back today and the thing is HUGE. My question is though, what exactly am I looking for in the Subject access request? I've found the original PPIicon agreement that states all the "you stated that you are in employment" stuff but am I looking for anything else?

    I'm going to be claiming back on the grounds that the employee who sold it me made it sound like it was compulsary fto have the PPI and that i would be declined the loan without it. Also that I informed the employee the only reason I was taking the loan was to go travelling for a year and hence would be unemployed directly after getting the loan. IMO the PPI was mis-sold on this point alone you would be unemployed and you can bet the CCA and terms and conditionsicon would include an exclusion that if you were unemployed you would be ineligible to make a valid claim on the PPI.

    Also I just noticed something wrong in the declaration section. It says "you indicated you have financial dependents who you would wish to benefit from life cover in the event of your death to setlle the outstanding balance on your loan less any arrears" - I definately didnt state this as I'm single with no kids, so could that be used in my case?

    Thanks for any replies in advance
    .

    I would advise you to look through some of the information in the stickies section at the top of the forum. Lots of information on there to give you some idea on whether you can claim for mis-selling or not. Here is your first few links. The rest you will have to research your self

    PPI - Some Notes for Claimants..

    links

    within the links you will find stuff like this...

    For claims before 2005 and the FSA ruling from which campaign
    How to tell if you’ve been mis-sold PPI

    Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

    Another Useful article on Single Premium PPI and why the FSA say it was unfair.
    http://www.moneymadeclear.fsa.go v.uk...insurance.html
    Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

    THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE fosicon
    loan payment protection insurance and a quote from this link...

    When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions
    .

    Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08
    Reclaim your PPI premiums - payment protection insurance | This is Money

    A lot of stuff to read up on but better be prepared fully for claiming mis-sold PPI as the banks etc are putting up defences and delaying tactics everyway they can

    aa

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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