Advice RE using HSBC's direct PPI claim method & what to (or not to) write

[dkl_uk]

I've downloaded PPI claim forms direct from the HSBC website.

 

I had a current account, at least two loans and still have a credit card which by now is probably over ten years since being opened. I don't know if I ever had overdraft protection, but the account is long gone. I had two or three loans, all paid off either on, or before their end date, but I don't know whether they had PPI.

 

I know I had credit card PPI - that account is still active and so it's the only one I have the account number for.

 

Generally, all I can say on the form is "I know I had some accounts, but I can't tell you what the account numbers are, and I don't really know what happened back when I was sold PPI".

 

Are there things I should avoid saying so I don't sell myself down the river?

 

One main fact is that I did have pre-existing medical conditions back when these policies were sold, and the one time I ever tried to claim it was refused as I'd not been in the job for long enough.

 

Any help is appreciated. I did do a search but got back too many irrelevant results.

Edited August 7, 2016 by dkl_uk

[dx100uk]

I would nt be using their forms at all as they tend to ask loaded questions to their refusal favour.

use the FOS CQ

 

 

but first you need to know what you are talking about

and have a good stab at predicting your likely reclaims.

 

 

I'd sar them first.

[dkl_uk]

Okey dokey.

 

 

I'm assuming the SAR will list the current account I'd opened in 1998 which was closed around 2008;

the two or three loans from around 2003-2006,

and whether any of them had PPI?

 

 

The credit card is the easiest one

- it's been open over ten years, never missed a payment and is still in use today

- albeit the CPI/PPI was cancelled about 10 years ago.

 

I actually looked at the FOS one and to be honest, the forms aren't that dissimilar.

I'll nuke the HSBC ones though and do the FOS ones as per your advice.

[dx100uk]

the sar is for everything they hold on you

 

don't specify any numbers or any reasons.

 

you cant really do the FOS form until you get all the statements to complete a few spreadsheets

unless you simply trust them to refund you properly

 

if you do then simply fill their forms out now

forget the SAR

and take a gamble

[dkl_uk]

Ok thanks. I'll do the SAR instead then.

[ThedaBara]

I'm trying to get PPI from HSBC from 30 years ago... ut's with the FOS now as they are saying they can't find anything on their records... this is even where there is an actual, original agreement! It's like I've made it all up...

Now FOS are asking if I have any bank statements to prove monthly payments... I can't even remember what bank we were with in 1986...

I'll let you know how I get on.

 

Good Luck! TB

[ThedaBara]

To be honest, I'm not sure they will own up if you SAR them... they only have to keep data for 6 years, but we all know they keep it for much longer and only reveal it if it's in their own interests, rather than yours... TB