Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
    Basic Account Holder Will Silver Novitiate



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    Default Face to face meeting with Bank - mis-sold mortgage.

    Hi

    Has anybody had face to face meetings with the bank/financial institution they have a mis-sellingicon issue with.


    I have a number of issues with HSBCicon but would like to speak to someone in the first place.


    To be honest I dont really know if it is a good idea or not,


    I just feel I need to get the ball rolling and this seems a sensible way of doing it,
    I would appreciate your thoughts on the matter.

    regards

    Will


  2. #2
    Site Team The Consumer Action Group BankFodder has disabled reputation BankFodder's Avatar



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    Default Re: Face to face meeting with Bank

    I can imagine that they won't particularly want to meet you and they will simply want to get you to put in procedure as quickly as possible – and that is probably the best idea.

    Presumably you are talking about PPIicon? But why do you feel that you need to speak to them in person? There is certainly no point in going for a face-to-face meeting if you don't have a plan and some objectives which you want to achieve.



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  3. #3
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    Default Re: Face to face meeting with Bank

    Banks don't offer face to face meetings about complaints. Branches are only there to sell the Banks products.

    You will be told to follow their complaints procedure and deal with a central complaints department. You might then be able to discuss it with someone by phone, but you should make arrangements to record such phone callsicon yourself.


  4. #4
    Basic Account Holder Will Silver Novitiate



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    Default Re: Face to face meeting with Bank

    PPI is part of it,
    if it was just that I would be ok with dealing with that,
    I have with the assistance of this site made successful claims.


    It is when I look at everything together I just feel that I was taken advantage of in a number of things I was sold.


    For a good number of years I was paying more out on
    Income protection,
    mortgageicon protection,
    Life Insuranceicon,
    Critical illness,
    Endowment Policy than the actual cost of my mortgageicon.


    I just feel that if I could present it as a package with everything included it would be more effective in making a claim for mis-sellingicon.


    It is either the bank initially or a solicitor.


    I spoke to the fosicon today and explained the issues I had,
    who suggested I made an appointment with the bank,


    I was just wondering if anybody had been down this route before.


  5. #5
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    Default Re: Face to face meeting with Bank

    Do you honestly think a local Branch officer is going to speak to you probably for at least an hour and then spend the time sending off details of your complaint to whichever department that will deal with it ? I can't see that happening, unless you have paid for your account and have a personal banking manager assigned to you.


  6. #6
    Classic Account Holder
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    Default Re: Face to face meeting with Bank

    Personally I would just do a full formal written complaint on each aspect you consider missoldicon separately

    Branches nowadays have no authority and will either fob you off
    or give you inaccurate information

    unless as UB says you are a premier customer with a personal manager


  7. #7
    Basic Account Holder Will Silver Novitiate



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    Default Re: Face to face meeting with Bank

    No,
    exactly that,
    especially if it is found that during the course of the meeting there has been mis-sellingicon,
    hardly likely to act in my best interests.


    Well that is my take on it.
    It was something the fosicon advised me to do with the amount of issues I had.
    If there is another way of doing it I would appreciate any advice.


  8. #8
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    Default Re: Face to face meeting with Bank

    Separate the issues once you have all the information

    Some you will have much more chance of success than others


  9. #9
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    Default Re: Face to face meeting with Bank

    Quote Originally Posted by Will Silver View Post
    No, exactly that, especially if it is found that during the course of the meeting there has been mis-sellingicon, hardly likely to act in my best interests. Well that is my take on it. It was something the fosicon advised me to do with the amount of issues I had. If there is another way of doing it I would appreciate any advice.
    It is going to have to be a separate complaint for each product, as that is what normally happens. The products might have been sold by the same mortgageicon advisor, but the complaints will be split by each product. If you tried to make it one complaint what will happen, is that it will get messy. Someone will photocopy your complaint and pass copies on to many different people. You will end up getting responses about some products and not others.

    Also when explaining the miss selling, you need to explain why a particular product was not suitable or what the issue was. There may be different issues, with different products.


  10. #10
    Basic Account Holder Will Silver Novitiate



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    Default Re: Face to face meeting with Bank

    Will have a look and try and break everything down, its when I look at everything together it doesnt look great. thanks for advice.



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