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HSBC Life. PPI or not? Advice please


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Having received a letter from HSBC about having been mis-sold PPI,

I was informed that I was not sold PPI but a Mortgage Protection Plan.

 

It was a single policy on a joint mortgage with only life cover for myself.

 

I was self employed at the time of taking out the policy.

 

To be brief, all the usual reasons were given by me for a case of mis-selling.

 

Any comments welcome.

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sorry so what are you saying

 

you did have MPPI and they are refusing to cough?

 

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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ok

 

thats what i was just trying to understand

thiough so.

still PPI and i think they have coughed before too.

 

how did you put in your claim>

 

FOS CQ etc etc

 

 

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 wrote to HSBC using a template letter, as a guide, deleting or adding things that were relevant ;

 

I believed that I had been mis-sold the policy as it was not made clear that the policy was optional

 

That I may have been refused the mortgage if I didn't take the policy,

That the policy was taken on my life only although the loan was in joint names which put me at a disadvantage.

That the policy exclusions, features and terms weren't explained,

as I was self-employed I was not told about the exclusions relating to unemployment cover.

 

It was not made clear that I could shop around for a different policy,

or that my wife could get cover from another source, having been refused cover on health grounds.

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MPP is PPI

 

life ins is not.

 

scan up the letter please they sent back

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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Share on other sites

follow the guide

 

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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Share on other sites

FOLLOW THE GUIDE PLEASE

 

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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