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    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
    • I have checked. No recording was triggered by the camera - I don't have loop recording, only proximity and vibration sensor triggered recording - abs and since he took photos from afar and did not physically touch my car - no recording was done. 
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HSBC loan PPI, will they reject my claim?


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Hi

I've been reading here a while and hope someone will be able to advise.

 

I've just been in touch with HSBC about PPI,

 

 

I have had 2 loans and a credit card in the past and they tell me all three had PPI on them.

 

Back in 2001,

fresh out of uni with an outstanding £1500 overdraft and

just starting a nursing job with the NHS ,

I needed cash for a car.

 

 

I've managed to dig out my paperwork from that loan and wondered if they'd reject a PPI claim with the way it's set out.

 

 

It does clearly show that the loan and PPI loan are separate amounts,

but add the two together at the top of the page as one amount and base the repayments on this total amount.

 

 

At the bottom it states WE STRONGLY RECOMMEND THAT YOU CONSIDER TAKING OUT OUR LOAN PROTECTION COVER etc..

. but to me that seems to be recommending an additional product,

and as I was told st the time, the protection outlined was part of the original loan.

 

 

And nowhere does it say the protection they quote for is OPTIONAL,

and I didn't get any sort of quote without it.

 

 

Would they reject the claim based on the statement at the bottom of the page,

saying We Recommend...etc, and tell me it was clear it was optional?

 

I also have some CC statements from 2002-4. Statements show protection payments,

which I would never have agreed to,

considering I was a newly qualified nurse with more than adequate sickness cover with the NHS

(which would obviously also have been the case with the loan).

 

Being 21 and just in need of some quick cash,

 

 

I know I probably didn't read the paperwork fully,

but also at no time was I asked or it explained to me about these insurances which would have been blindingly obvious I didn't need.

 

 

I think the CC was arranged over the phone, but I'm not 100% sure on that.

 

So, before I send the paperwork back to them, do you think I have a case?

 

Thanks [ATTACH=CONFIG]52912[/ATTACH][ATTACH=CONFIG]52911[/ATTACH]

 

Loan

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I don't see they would have any reason to reject your claim - especially in view of the reasons you are providing :)

 

If you could convert your documents to pdf format, then we will be able to read them better :)

 

Take some time to read the PPI forums, I have provided a link below. You will find spread sheets and other valuable information regarding the process of claiming.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-(PPI)

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Thanks. I've had a go at converting to PDF, fingers crossed.....

 

It's only through reading here I realised it may be more difficult than I thought to claim, that's whyI thought I'd better ask before I get my hopes up!

 

Can I use the same rationale for the later loan that I have no paperwork for? CC was consolidatedinto it in 2006, so will the CC protection be payable 02-06? I only have around 18m of statements though. Am I going to have to request my info for that, or will HSBC figure it out? I have no idea of the balance when the acct closed with consolidating into loan. I have no clue of the amount of PPI I was paying on the 2006 loan.

 

I also have an ongoing HSBC mortgage, which I'm fairly certain I have a clear cut case for claiming back on. Again being 21 and buying a house I had no idea the extra payments going out weren't all part of my mortgage, and I have paperwork showing I clearly declined to add various protections which were subsequently added anyway.

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ofcourse you can reclaim them!

 

 

pers I'd be sending them an sar first mind

 

 

get ALL the data you can.

 

 

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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Fab! Thanks, can I include that in my response to them?

 

OK, another question if you wouldn't mind,

 

 

seeing as I know I've had three different PPIs (not including my mortgage),

 

 

do I include them all in the same claim or do 3 different claims?

 

 

HSBC gave me 3 reference numbers,

 

 

can I put them all in this one form or send 3 copies, one with each ref no.?

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wrong thread

 

 

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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sri wrong thread

 

 

you need to get all the data you can first before you embark on the PPI reclaim

 

 

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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