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Help Please with PPI and HSBC


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Date loan started: 31/5/2007

PPI amount: £1520.00

APR: 15.9%

 

Made the following PPI payments:

01/09/07 £37.04

01/10/07 £36.96

01/11/07 £36.96

01/12/07 £36.96

01/01/08 £36.96

01/02/08 £36.96

01/03/08 £36.96

01/04/08 £36.96

01/05/08 £36.96

01/06/08 £36.96

01/07/08 £36.96

01/08/08 £36.96

01/09/08 £36.96

01/10/08 £36.96

01/11/08 £36.96

01/12/08 £36.96

01/01/09 £36.96

01/02/09 £36.96

01/03/09 £36.96

01/04/09 £36.96

01/05/09 £36.96

01/06/09 £36.96

01/09/09 £24.21

 

Since last payment account went into default, it is an invalid default notice with remedy date of 18 Dec 2009 and the remedy amount was £970.09, which was off course less than the PPI + interest paid. Default are registered on my credit file.

 

Since then the account has been handed over to DCA and DG Solicitors. I did claimed UN by sending a letter earlier today based on the faulty DN (14 days from date on notice to remedy date).

 

My reasons for mis-selling are:

I am permanently resident within the United Kingdom

I am Over 18 and Under 65 at the commencement of your loan, and you will not reach the age of 70 during the insured term.

I am in Full time employment

I were not asked whether you had any other insurance which would cover the loan

I were not told you could buy PPI elsewhere to cover the loan

The Terms & Conditions of the small print were not fully explained to me

 

Also when I became aware of the PPI during 2009, I asked what should I do to cancel. I have been told that I will have to cancel the loan and take out another but there is no guarantee that I will get another loan based on my credit rating.

 

Can anyone assist me in claiming it back as well as the issue around the default on my credit file, seeing that the PPI paid at date of DN exceeded the arrears?

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Another reason for not needing the PPI is that I had coverage from my employer that I will get a full salary for 6 months and half my salary for another 6 months should I be unable to worm

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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You should add up the amounts and include 8% compounded interest and send a formal letter for you to reclaim the amount owed....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

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Should I provide a reason why I feel I have been mis-sold?

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Share on other sites

yes state your reasons but be aware they will try and fob you off that is common so just come back here with the reply then you will get advice on how to proceed further

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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And (if the PPI and interest was added to loan) at the outset??? go direct to HSBC who will acknowledge letter, probably 28 days later inform you still looking into matter, eventualy fingers crossed payout??? but go to Ombudsman or claims company well , wait, wait wait.

:mad2::-x:jaw::sad:
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Thanks for the advice, will get the letter off and see whether they will need "encouragement". Did seem from another thread that HSBC is one of "easier" ones. I assume I will have to make more than one claim because there were 3 loans that has been replaced with the current one, all with PPI, waiting for the figures on those.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

Link to post
Share on other sites

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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