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    • Firstly, and sorry for not asking earlier but have you submitted your DQ yet?
    • As suggested by JK2054 I'll email Evri to their small claims email address, attaching the label and collection receipt and quoting the Money Claims ref number. Is there anything else in addition to sending the email I should do at this stage? Rgds, J
    • Hi, I'd change justice centre to county court. I also wouldn't be including a telegraph article in the bundle. It doens't prove anything law and you don't have distribution rights on it. I also wouldn't personally break down the exhibits on the index page, normally people have a seperate page for this right before the exhibits. The main index page normally just says Exhibits to WX of [Your Name] or at least that's the format I use/see people here use, although really it makes minimal difference.   I also see that despite referencing several judgements you haven't included the EVRi one   paragraph 46 really needs to go imo it has nothing to do with anything. Your in court to apply the law to your case, not to tell the judge about a newspaper that means nothing to your claim.   I also see you've adopted the issues in dispute/not in dispute, which is also known as a scott schedule. if you are taking this approach, for things not in dispute I would say this needs to be things that are agreed between parties, not things like "There is no dispute that I am happy to supply all this evidence which is included in the court bundle." I would say that issues in dispute is to focus on the aspects of the claim that are in dispute, such as whether liability is limited by insurance or not, so I'd be changing that accordingly.   BF should be along shortly to advise on things.
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    • J, I just numbered them like that; once the witness statement is made, I'll add it to the pages.   The court date has been set as 02 July 2024. Please find attached V6. I will send an unredacted to the email.  claim budle_V6.pdf
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HSBC Mortgage PPI **** SUCCESS ****


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All,

 

After a successful battle with Barclays Partner Finance over charges and a PPI reclaim with Aqua that proved successful (thanks to the great people on here and MSE) I have gone through the little paperwork I still have, to see what else I could look at. I have placed claims with HFC on another thread for some retail loans on electrical goods but also found the policy number of my Mortgage PPI through HSBC

 

As a background I opened my old student account with Midland in 94 and did all my banking with them for years including all loans, my credit card and then mortgage when I got married in 2000. I do not have the detail for this policy, but rather for my single policy that was opened when I bought my house in 2003 after my divorce.

 

My mortgage was in my name only and the paperwork was made out with a "sign here, here and here" attitude in the bank.

 

Mortgage PPI was set up, which I just thought was the norm - exactly as had happed 3 years earlier. At the time I had 6 months full and 6 months half pay, working for a company I had been with for 3 years and are the biggest brand in the world (not much chance of losing my job). I had life and critical income cover and an income protection policy - all through HSBC Life.

 

If I'm honest, looking back I think it is far too much cover, but I have been told that it sounds about right from some people. After changing mortgage in 2006 I discovered that MPPI is not a necessary part of buying a mortgage, nor does it have to be with the organisation that sells the mortgage either if chosen.

 

The policy ran through till 2007 when I cancelled it (stupidly presumed that it would be cancelled at the time my mortgage with them ended) and I've not had MPPI now for 4 1/2 years and I've never had it questioned by my mortgage provider (changed again in 2008)

 

I suppose i'm asking if people think I have a valid argument for complaining to HSBC that the MPPI wasn't necesserily in my best interests based on the cover I already had with them?

 

Thanks

Edited by ims21
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Hi

 

I have formatted the post for you to make it easier to read.

 

Yes you can claim. I guess the premiums were a fixed amount eacc month?

 

Do you have the statements showing the amounts and the dates of payment.

 

Short answer is yes you can reclaim this.

 

ims

 

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Hi IMS, most appreciated (again!!) No idea, why it wont format when I post, even after I edit. Might be due to work internet? Anyway all I have was a letter than showed the policy account number and the payment owed when I cancelled the DD in December 2007. I had no paperwork for the policy, couldn't get any sense out of anyone at HSBC Life, so cancelled the DD with a view to getting a reponse. It showed the premium that was outstanding - £29.72, so I'm guessing that the monthly payment wont be too different to that figure each month previosuly from 2003. The premium was obviously paid each month.

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I was thinking the same. Based on a figure between £25-£30 per month then i'm pretty sure I paid over £1k for this cover, that wasn't necessary in my opinion. I'd like any redress (if there is one) to be acurate. Based on the sums and time frame then there should be a hefty chunk of interest to go on top of that too. Do you think my claim is a valid one and my opinion of a miss-sell is correct? I was already covered, no option to go somewhere else for cover if required, paperwork drawn up at same time and told to sign (i'm aware this is very hard to prove) hence the fact I had so many other insurances through HSBC at the same time is what I would rather focus on

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Well it looks like I haven't needed to SAR them. I'd actually posted the FOS form in Nov to them, and was expecting a wait. Thought i'd get some info from the SAR in anticipation for an intial rejection, as seems to be the case with MPPI.

 

However a letter arrived yesterday with an offer that was almost double what I was expecting with 8% stat on top. This would be a massive help in paying off a loan and paying off an overdraft. Would put me around £200 a month better off, which is perfect timing as I am about to move back into my home (after 2 years in different parts of the UK and my house rented out). I don't have a breakdown of payment unfortunately but it looks like it covers payment back to 2000 on the old MPPI I had with my ex wife. I've just run my almost £30 payment back to 2003 then the same back to Feb 2000 (but at half the rate) and its near as damn it to what they have offered. Shame the tax man gets £500 but can't complain too much!

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Hi IMS

 

Yes i've put into a spreadsheet going back to 2000 when i bought my first house. For the first bit i've guessed at around £13 (half of what I expect the premium would have been) and then put in the £29 from June 2003 through till Nov 2007. It seems to work out pretty much what they have offered and the interest works out about right too. I only paid MPPI with HSBC in that time, so don't see how it could be wrong. Maybe a couple of £'s wrong at the most. Very happy indeed, and all for the cost of 5min to fill in and a stamp. At least i'm vindicated in the belief HSBC tried to sell me so many thing I didn't need, and being young(er) at the time, bought it!

 

Good luck to anyone in a similar position. Lets hope HFC are as generous, as i have exactly the same reasons in place - Income protection policy with HSBC covered me :-)

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Thanks IMS, although I feel guilty about a well done, when I didn't really do anything, lol. As soon as money is banked (they took bank details so wont get cheque thank god!) i'll let you know. For the first time in a few years i will have some breathing space each month. Can't wait!!!!

 

 

Cheers :-)

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  • 2 weeks later...

All,Money landed in account today. 2 weeks after they received my acceptance. I did check my account at 9:30 this morning and it wasn't there, however after spending 30min on the phone (The 2 tel numbers on the letter didn't work!) and eventually speaking to someone in the relevant department, he told me that my payment had been made on the 3rd and had I checked my account. Low and behold the money was there now! Very pleased. Loads of bills paid this afternoon

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  • 4 months later...

Hi joncow75

 

I am in the process of trying to claim PPI from HSBC and noticed that you have had success from a very similar start date. Would you be willing to share the process you went through / letters you sent? Was your policy charged to your account as HSBC life? The basic scenario in my case is that I was sold this as compulsory in order to get my mortgage and the cover provided was offered through my employer!

 

Thank you for any help or advice you can give

 

Naith

 

[EDIT]

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