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Was just looking for some advice from anyone who is familiar with the possible miss-selling of Mortgage PPI - especially HSBC.

 

I took out my 1st mortgage with HSBC back in 2001 and was instructed that I must take out the HSBC Life MPPI with my mortgage.

 

Also they advised that in order to secure the amount of money that I wanted to borrow that I would only secure the mortgage if my parents would become guarantors for the mortgage.

 

I was only on a temporary contract (6 month contract) but I had been with the same agency for over 18 months (6 months contracts at a time).

 

I therefore wonder if I was miss-sold the MPPI due to the following reasons:

  1. HSBC should not of informed me that the approval of the mortgage was dependent on taking out their MPPI (hard to prove I know)
  2. Would the MPPI ever have paid out if I was only on a Temporary Contract- therefore, was I sold something that was of no use to me because if I lost my job or contract did not get extended would I be covered?
  3. If my parents were already guarantors for the mortgage - did I need the MPPI in the 1st place and which would be activated first - the MPPI (if I was actually covered) or my parents acting as guarantors.

I have already raised the above issues with HSBC who have informed me by letter that they will investigate point 2

(no mentions of points 1 and 3 - do I need to go back to them to investigate these issues aswell?)

 

I am a bit of a hoarder so have most of the original paperwork and statements etc but just wanted some initial advise.Thanks in advance for your help and advice!

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You have 3 valid points and want them all investigating. So yes, you should ask them why they are refusing to look at the other points as well.

 

It does seem a bit odd that they would want guarantors AND mortgage protection.

 

I doubt very much whether they would have paid out whilst you were on 6 month temporary contracts! Presumably that is why they wanted the secondary protection by way of guarantors.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You have 3 valid points and want them all investigating. So yes, you should ask them why they are refusing to look at the other points as well.

 

It does seem a bit odd that they would want guarantors AND mortgage protection.

 

I doubt very much whether they would have paid out whilst you were on 6 month temporary contracts! Presumably that is why they wanted the secondary protection by way of guarantors.

Thanks for your response!

I shall phone HSBC again to get them to look at all 3 points as I do think it was a bit strange that they would require guarantors and MPPI.

 

I have also heard that trying to claim back mortgage PPI is more difficult as there was perhaps stricter guidelines that were followed than for loans and credit cards

but I do feel that I have a valid claim.

 

Has anyone had any experience with claiming back mortgage PPI or from HSBC?

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Quick Update

 

- I have received a letter from HSBC in regards to the mortgage PPI and they state that they are looking into the issue of being on a temporary contract

- they still do not seem to have taken the other issues into account.

 

I have also received another letter in regards to a separate HSBC loan PPI claim and they have sent me a questionnaire to fill out and return.

 

In regards to the mortgage PPI should I contact them again to ensure they take all of the issues into consideration?

 

As for the loan PPI

- i took the loan out in 2003 when I was actually made permanent at the company I was previously working on temporary short term contracts

and their sick cover would have paid out for 6 months full pay and a further 6 months on half pay so again I feel that the PPI

I was sold for the loan was unnecessary as I was already covered via work

- do you feel that I have a good case for the loan PPI claim?

 

Thanks for taking the time to help and advise!

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Ok, so we have two PPI claims now.

 

You can complete their questionairre or you can download the FOS claim form and complete that - up to you. Yes, even though your employment then changed to permanent your benefit package would have covered you. So the only benefit the PPI would have been would be an expensive life assurance !

 

IMHO, the fact that they mis sold the first Policy says to me they mis sold the 2nd.

 

I will flag your thread for one of the PPI guys, so hold fire until one of them pops in and confirms what I have said.

 

In respect of the first PPI issue - let them investigate the single issue. However, I would write to their Head Office as an official complaint and explain the situation again. Advise that whilst they are looking at the temporary contract issue, you still want them to investigate ALL your concerns.

 

HTH.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello

 

Dropping in as asked by CB.

 

Well nothing to add to what has been said. Absolutely spot on.

 

I'm now subbed to the thread so if you have further queries I can pick them up too and help where I can.

 

ims

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

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

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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

 

 

 

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:thumb:

 

There you go, liam. So complete your forms and write your letter :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, so we have two PPI claims now.

 

You can complete their questionairre or you can download the FOS claim form and complete that - up to you.

 

Yes, even though your employment then changed to permanent your benefit package would have covered you.

So the only benefit the PPI would have been would be an expensive life assurance !

 

IMHO, the fact that they mis sold the first Policy says to me they mis sold the 2nd.

 

I will flag your thread for one of the PPI guys, so hold fire until one of them pops in and confirms what I have said.

 

In respect of the first PPI issue - let them investigate the single issue.

 

However, I would write to their Head Office as an official complaint and explain the situation again.

 

Advise that whilst they are looking at the temporary contract issue, you still want them to investigate ALL your concerns.

 

HTH.

 

Thanks CitizenB

- just to clarify your comments

- the mortgage I took out in 2001 was when I was on a short term temporary contract so believe that the PPI would have not paid out anyway (is that a reasonable assumption to make?).

 

I was then made permanent at the same company in about 2003 and I took out a personal loan with HSBC again with PPI

but I believe that the company's sick pay/ benefits would have covered me more than adequately so the PPI on the loan was not needed and was miss-sold.

 

What proof would I need to provide for both these claims as I do have most of the paperwork and bank statements proving payments and that PPI was on both the loan and mortgage.

 

I can also go back to my old employer to prove my employment status for both situations if that is necessary or should I just wait for their response?

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Just wait for their response....you don't need to provide proof.

 

Your written complaint statement will be given on the fos questionnaire.

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

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Thanks CitizenB - just to clarify your comments - the mortgage I took out in 2001 was when I was on a short term temporary contract so believe that the PPI would have not paid out anyway (is that a reasonable assumption to make?). This is correct

 

 

I was then made permanent at the same company in about 2003 and I took out a personal loan with HSBC again with PPI but I believe that the company's sick pay/ benefits would have covered me more than adequately so the PPI on the loan was not needed and was miss-sold. What proof would I need to provide for both these claims as I do have most of the paperwork and bank statements proving payments and that PPI was on both the loan and mortgage. I can also go back to my old employer to prove my employment status for both situations if that is necessary or should I just wait for their response?

 

If they require any proof then they will ask for it. At this point in time you are wanting to get over to the bank that you would not have requested PPI - that as with the first loan, it was implied no ppi - no loan. It is your belief that having mis sold the first policy, they then simply applied it for the 2nd loan, without any consideration as to whether it would have been in your interests, rather than the banks profit margins.

 

If you have bank statements, then you could actually prepare your own spreadsheet.. if you have a look at the links numbered 1 - 4 in ims21's signature there will be lots of information on how to do the spreadsheets and also blank spreadsheets to download.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just wait for their response....you don't need to provide proof.

 

Your written complaint statement will be given on the fos questionnaire.

 

Thanks ims21! Letter and form to be completed and sent on their way. Just to confirm - are all of the reasons above for both the mortgage and loan PPI valid and reasonable reasosns for a successful claim?

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Yes they are.

 

In addition you can have a look at this thread where there are other reasons you may be able to use as well.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?61081-PPI-Some-Notes-for-Claimants..(3-Viewing)-nbsp

 

Submit your documents and they will have 8 weeks to investigate and give you a final decision before you can consider passing it to fos if they don't uphold your complaint.

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.

 

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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

 

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Thanks ims21.

 

Just reading through the notes and I'm a bit confused about the temporary contract issue as it states that most policies require that you work over 16 hours

and that you have been employed for at least 6 months.

 

I was working on 6 month contracts that got extended a few times so would that make my claim invalid?

 

However,

 

I also have the issue with the other points and just wondered where I stood on the fact that my parents were gaurantors for the mortgage and I also paid PPI

- is that a reason to claim?

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If you had guarantors then I can't see that the PPI was needed, necessary or anything else.

 

Don't get bogged down in the short term contract issue. Just out down the facts.

 

You had other means to pay the loan anyway (guarantors) so PPI was not needed.

 

This sale was probably driven by commission to bank staff and was not sold in the best interests of the customer.

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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

 

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  • 2 weeks later...

Just a quick update.

 

I have received a letter from HSBC Life in regards to the Mortgage Payment Protection Plan including Critical Illness Cover

(I'm guessing both of these policies are classed as PPI?)

 

It looks like a standard update letter after 4 weeks to regretfully inform me that their investigation is not yet complete

but to assure me that a full investigation will be complete and an update will be provided in a further 4 weeks.

 

No guarantee that the investigation will be complete after the full 8 weeks though.

 

Have HSBC been given longer than the 8 weeks?

 

What happens if they do not complete their investigation within the 8 weeks?

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No they haven't been given more than 8 weeks.

 

If they don't get back to you lodge a complaint with fos but still keep hassling them yourself as well

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

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No they haven't been given more than 8 weeks.

 

If they don't get back to you lodge a complaint with fos but still keep hassling them yourself as well

 

Thanks ims21 just thought i saw somewhere that they had been given an extension to 12 weeks!?

 

Is Mortgage Protection Plan and Critical Illness cover different or would they both be classed as PPI and both possibly mis-sold as per my previous reasons?

 

Must admit HSBC are being really helpful and professional so far and doing everything by the book so far - here's hoping that continues to a successful conclusion!

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critical life will be life isurance, however i'd treat it as PPI and lump the MPP & CIC together as one claim.

 

it is unusual for CL to be there without life insurance

sure they didn't fleece you on that too?

 

the ONLY thing you must have with a mortgage is buildings insurance

 

and if you had that elsewhere, and they have charged for that too, then hit 'em too.

 

dx

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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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Thanks ims21 just thought i saw somewhere that they had been given an extension to 12 weeks!?

 

 

!

 

This was shortly after the Court case when the BBA and Banks thought they could browbeat the FSA into backing down. Other banks were also given extensions to deal with the floodgates that were opened when the Banks lost their case. It was only for a set period of time, and that has well passed.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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critical life will be life isurance, however i'd treat it as PPI and lump the MPP & CIC together as one claim.

 

it is unusual for CL to be there without life insurance

sure they didn't fleece you on that too?

 

the ONLY thing you must have with a mortgage is buildings insurance

 

and if you had that elsewhere, and they have charged for that too, then hit 'em too.

 

dx

 

The MPPI ended when I moved my mortgage and don't remember receiving any rebate so I did pay the full PPI amount.

 

I looked at Bank statements and I was still paying life insurance up until at least 2007 (so at least 6 years of it!)

 

I need to go through all of my old paperwork to detail exactly what I was paying and until what point so I can calculate what I should claim for.

I will lump the MPP & Life insurance together.

 

Thanks for the info!

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This was shortly after the Court case when the BBA and Banks thought they could browbeat the FSA into backing down. Other banks were also given extensions to deal with the floodgates that were opened when the Banks lost their case. It was only for a set period of time, and that has well passed.

 

Thanks CitizenB I thought I had read it somewhere! Just got to do some more homework on the Loan and Mortgage PPI payment history so I know the value of the potential claim then will be fully prepared for the conclusion of their investigation in 4 weeks time.

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Think I have the Motgage PPI claim in hand but I do have one question about my loan

- from my records i paid out a one off payment called Payment Loan Protection of £618 in Sept 2002

this loan was with HSBC which quite soon after got consolidated into an extension of my mortgage.

 

I received no rebate and the PPI was consolidated into the loan.

 

As this was a single premium front loaded PPI payement made in Sept 2002 how much should I be claiming for?

 

Is it 8% per annum or monthly up until todays date?

 

It makes a huge difference and apologies if that is a stupid question but not sure how the interest works on a single premium PPI payment

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right ths is more complex than it first looks

 

PPI was thus rolled over into the mortgage

so MORE INT

 

i think you need IMS21 to do one of his master rollover spreadsheets.

 

your inline for £1000's!!!

 

 

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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right ths is more complex than it first looks

 

PPI was thus rolled over into the mortgage

so MORE INT

 

i think you need IMS21 to do one of his master rollover spreadsheets.

 

your inline for £1000's!!!

 

 

dx

Thanks for the reply DX - let's hope so!!

 

From my records I can see that in Sept 2002 I paid just over £618 for 'Payment Loan Protection'

and then not long after I re-mortgaged to consolidate the existing HSBC loan into my HSBC mortgage.

 

I already have a Mortgage PPI claim for the orignial mortgage PPI that was taken in 2001 and is being investigated by HSBC but for this loan they want me to fill out a questionnaire.

 

So I started to trail through my old paperwork and found this one off single premium (i think) payment that Im 99% sure got consolidated into my re-mortgage with HSBC.

 

I then switched mortgage supplier in 2005 for the 100% of the amount

so my dealings with HSBC were done

 

but Im now a bit confused of what I can legitimiately claim for against the loan PPI.

Please help?

 

I will be looking through my paperwork tomo but if you can give me any guidance in regards to the amount I might be able to claim for the loan then that woul be great!

 

IMS21 if you can help also that would be fantastic?!

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one of simple facts about PPI is -

 

if 'whatever' that had PPI associated with it

is settled early...by 'whatever' method,

that PPI should be rebated in cash, and NOT carried over into 'whatever' settled 'whatever' that had the PPI.

 

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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