HSBC Loan PPI mis-sold **WON**

[robert_harper_2000]

I had send a letter asking for refund of PPI and they returned letter explaining would reply soon. Next reply said he had been trying to call me and wants to talk to discuss matters.

 

Is he going to get me to end up agreeing with him or what

 

Could someone pm with a clever reply

 

Thanks, any help would be really appreciated. Rob

[BankFodder]

Yes. tell him to put his concerns in writing.

 

If he insists on a meeting then tell him in writing that you want an agenda.

Otherwise he can do the other thing.

[robert_harper_2000]

OK so literally just write a letter saying

 

please put any concerns in writing.

 

Is that it? I'm really glad this website is here, somewhere people can actually get help from these banks ripping off people. I've told literally everyone I know about this site.

 

I bet this site will make such a difference, although surprised whoever owns this site hasn't been offered money to walk away lol

[BankFodder]

yes - just that in the letter

[robert_harper_2000]

Wrote letter with just that.

 

Just waiting for reply.

 

So does the Bank Action Group want us to zip up all the letter emails etc and then email off and you could access best ways of complaining etc

 

thanks by the way

[robert_harper_2000]

Hello

 

I have been trying in vain to get my useless insurance refunded. I wrote the template that has been going around explaining insurance was mis-sold.

 

Not sure if this counts but bascially I am saying my insuranace was mis-sold as it is no good to me due to the fact I work at my fathers business and live at home. This means I won't be made unemployed & won't lose my home.

 

The template letter suggested you need to be self-employed etc.

 

What angle should I continue? The replys have been that there is no evidence of mis-selling. Should I say it is mis-sold as it is no good and explain I was to continue to any appeals process?

 

Help guys PLEAASE this is worth £600 a lot of money.

[robert_harper_2000]

I have been trying in vain to get my useless insurance refunded. I wrote the template that has been going around explaining insurance was mis-sold.

 

Not sure if this counts but bascially I am saying my insuranace was mis-sold as it is no good to me due to the fact I work at my fathers business and live at home. This means I won't be made unemployed & won't lose my home.

 

The template letter suggested you need to be self-employed etc.

 

What angle should I continue? The replys have been that there is no evidence of mis-selling. Should I say it is mis-sold as it is no good and explain I was to continue to any appeals process?

 

Help guys PLEAASE this is worth £600 a lot of money.

[JamesBooker]

Have they at least cancelled the PPI for the rest of the loan period and you're now attempting to get a refund for the payments you've made?

[JamesBooker]

:::Duplicate post:::

[robert_harper_2000]

Well they said would cancelled insurance for rest of loan paying back almost nothing of what it costs even though i still have 2 out of the 3 years on the loan!

 

Also said would have to do the loan re-setting the interest!

 

Bascially can't cancel the loan....

[robert_harper_2000]

I received my statements, added the fines together but sent the letter before action which included the the interest. I sent the letter by recorded delivery.

 

Will this invalidate my claim as I was suppose to send the perlimnary approach first.... oops... I still have heard nothing. I wrote explaining I would action court by 14 days ( 14 - 4 - 06 ).

 

Can I still action court or should I send a perlimnary approach ?

 

Thanks

[CheeseOnToast]

Hello mate, I did this by accident with my first letter too, I still got the standard response from them about the amount. What I then did when I sent my letter before action was included a line revising the requested amount and stating it was because I was not claiming interest at this stage.

[robert_harper_2000]

So should I forget the letter before action *( which I sent by recorded delivery ) and now send the preliminary letter then after that letter before action?

 

just not mentioning previous letters so basically starting again?

 

Thanks mate

[dave]

Nope - the letter before action should be enough.

 

You have asked for the money back within a set time limit - if they do not return it in that time limit, then start proceedings.

 

The only reason there is the Pre-lim is just to be able to prove you did everything within your power to resolve the issue without resorting to legal action.

 

It doesn't matter though - you have written and asked. If they still choose to have a court decide the matter then that's up to them.

 

They will pretend that this is what they want, when the reality is that it's the last thing they want. A court would decide in your favour, IMO, and then the publicity would be huge.

[robert_harper_2000]

Brilliant! Once again a great job.

 

Thanks

[robert_harper_2000]

Lastly can I confirm this person as the correct contact for my letter before action?

 

Phil Beaumont

Senior Service Quality Officer

Arlington Business Centre,

Milshaw Park Lane,

Leeds

Ls11 Opp

_____________

[dave]

I don't know, but if it's a registered office of theirs, I would imagine that it's fine to send correspondence to.

 

Although, send it recorded - banks seem to have developed a habit of losing letters of late.

[Overdrawn]

I have been dealing with Phil Beaumont at that office so you should be fine to send it there. There are other addresses in the contact thread at the top of the HSBC Action Group section.

 

Good Luck!

[robert_harper_2000]

OK well i will start court procedings on friday 14th as promised lol it's fairly simple isn't it?

[robert_harper_2000]

I've received statements, accidently sent off the letter before action as opposed to the perliminary letter ... opps! but you guys said it makes little difference.

 

You say I should receive some reply. I've had no reply. Nothing

 

I sent it recorded to Beaumont but worried about court. Everything will be fine for me to carry onto court isn't it?

[jonni2bad]

If they have not responded in the timeframe then just proceed to court claim.

 

At this stage, don't forget your 8% interest...

 

You'll be fine!!

[Bookworm]

Please keep your updates to the correct thread instead of starting new threads every time. Thank you.

[robert_harper_2000]

Also Who do I claim against? "Full name and address of the person(s) you wish to make a claim against" well i'm claiming against HSBC these faceless corps... sent my letter to beaumont, do I sue him? lol

[robert_harper_2000]

Sent DPA - replied with statements

Sent letter before action -recorded delivery - no reply.

Sent Court notice - Promised £268 of the £298 claim

 

Haha. This bank backed down!

 

Should I accept and continue for the rest?

[juicy]

Well Done!!

 

I would accept and continue for the rest. The money is rightfully yours.

 

Good Luck, keep us posted.

 

P.S Who did you send your 2nd letter to after you received your statements??

I am at this stage now.