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Hi,

I put a PPI claim in to the FOS on behalf of my husband October 2010,at the time he was still managing to pay his CC and loan, however it all went belly up in April this year and as I have heard nothing for months from the FOS I'm wondering where it will leave this claim when the HSBC take action against him which from the letters received yesterday could be soon

 

Ro

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Have you not chased fos up?

 

Can you tell us the history of this please?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Hi,

initially I wrote to HSBC asking for a PPI refund,

they said no

,I chased after them for a while but they went to ground.

 

I contacted the FOS a couple of months later to ask for advice,

after asking a few questions I was advised to let them deal with it so forms filled in etc.and that was it it apart from the standard letter apologising for the time it was taking.

 

The HSBC did eventually send a copy of a DD mandate signed by my husband but there was a problem with the date being illegible,

the FOS said they had asked for further information from the bank and was waiting for it.

 

As I did not hear from them for quite some time I rang them a couple of months ago and the person who was dealing with it told me she had been seconded elsewhere,

her successor did ring me but I was out at the time,

I also received a couple of emails from him

 

.I have rung him several times since,last time was yesterday but to date he has not been available.

Ro

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You need to write and ask for a formal update in writing and ask the question why is this taking such an absurd amount of time for them to resolve the issue

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi,

after my earlier post I had a thought,my husband had a business loan in 2005 from HSBC which he finished paying 2010,would there be PPI on this if so how would he know? Apologies if this is a repeat question but I couldn't find anything specific,

 

Ro

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look at the agreement or the statements on the loan.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If you are reclaiming PPI on an account then that account is in dispute and HSBC should not be chasing it.

 

If they are complain to FOS that collection activity has not been halted whilst PPI claim is ongoing

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HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Ok I did it the painless way I sent the OH to find it,yes it had Credit Protection Insurance on it,I'm surprised as the bank knew that he was self employed.It has been signed by both parties:!:

 

Ro

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reclaiming does not put an account in dispute

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I stand corrected sorry

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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Share on other sites

You don't need a policy number

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi,

posted this on another thread but I am reposting it here in case anyone else has an HSBC PPI claim in to the FOS,

 

I contacted them today and was advised that all HSBC claims are coming under review,

there was no reason given and the only other information was that they would let me know whatever as soon as they could.

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Hi,

I have been struggling to do the calculations on OH's loan to reclaim the PPI,I cannot get it right :sad: .I've tried the OFT calculator oh dear, is there anyone who could tell me what I'm looking at ?

 

Amount of Loan £13000.00 Initial repayment £273.22

Total charge for credit £3407.95 Date or first repayment Feb 2005

APR 10% 59 further monthly etc £273.47

Total amount payable £16407.95.

 

PPI Loan

Amount of Premium £938.60 Initial repayment £19.76

Inc Insurance Premium Tax at appropriate rate

Amount of loan £930.00 Date of first repayment Feb 2005

Total charge for credit £243.80

APR 10% 59 further monthly etc £19.56

Total amount payable £1173.80.

 

Standing Order Authorisation.

Initial repayment £292.98

59 futher repayments of £293.03

Total Loan of plus interest £13930.00

the insurance premium as stated.

 

Any insight would be most welcome,I am totally useless at this.

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I''ll get some help for you!!

 

I have alerted a colleague to take a look

for you, he will be along as soon as he can.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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