Jump to content


  • Tweets

  • Posts

    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
    • Hi all           I spoke to the courts earlier today and they advised me that the points placed on my licence were removed in October 2019, and that a court date is set for November 26th. Guess what ??? I had not been given that info either. The courts were very helpful and explained to me that everything had been sent to my previous address (which I have not lived in or owned for 5 years) The car in question was registered in March 2016 and I have owned since new and has never been registered to my old address. I have proof of this down to the point of not taxing the car March 2017 as the car was zero tax I did not realise I still had to go online and tax it, the summons for that was sent to my current home address.  it is very strange that the police directed everything to my previous address. i then contacted the police on the number given by the courts and was told to forward proof I was out of country at time of offence for them to look at, the police officer was very understanding and quite helpful giving the information. I have to e mail her tomorrow and will give an update when I know more as this previous address thing is really confusing !!!  
  • Our picks

Millown

HSBC PPI Head of Department details

style="text-align:center;"> Please note that this topic has not had any new posts for the last 591 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Feeling like I could do with some advice please. I have had 2 PPI's that HSBC have agreed to pay out on. I sent all the forms back on 16th Feb and was told that the offers were sent out to me that week. Nearly 7 weeks on and I have still had nothing in the post.

 

I have been chasing weekly and have been promised calls back on 8 occasions. Can someone give me a direct email address of the head of complaints who deal with PPI at HSBC? With a husband who has been out of work for 8 months, this PPI payouts really will ease things for us and was hoping that they would have been in out account by the end of March.

 

Any advice I'd be so very grateful for. Thanks in advance.

Edited by Andyorch
Paras

Share this post


Link to post
Share on other sites

I'm not sure that you will get the answer you want to hear and even if you do I'm not sure that sending an email will make any difference.

 

I hope you have been keeping a log of all the calls and promises you have received – because this itself is a basis for some extra compensation even if it is not very much.

 

Also, even though you may be short of money, look very closely at the offers that you are being made because you may well find that they're not refunding you everything you are entitled to. You should come back here and let us know what the dealers before accepting.

 

If you do accept then I think you need to make it clear that your acceptance is provisional and that you reserve your right to come back to them if you disagree with their calculation.

 

I'm afraid that probably the best way to provoke a reaction from them is to begin a formal complaint which should eventually lead to the FOS. It's not very satisfactory but it might help to move things on. I would suggest that you call them and tell them that you want to make a formal complaint. Make sure that you get a reference number and tell them that you want it to go to the ombudsman. Go through it all carefully on the phone – read our customer services guide for tips as to how to do it and you should implement all of the advice including recording the call.

 

Maybe somebody else will come along with the email address that you require – but I'm afraid that I'm very sceptical that these "CEO" emails ever really get to the CEO. I rather think that these email addresses are handed out in order to make customers feel that they are being treated a bit more seriously – but in fact they are all eventually rooted to the same complaints team.


Share this post


Link to post
Share on other sites

Thank you BankFodder. All calls and promises have been recorded (dates and times etc), as have the names of the various individuals that I have spoken to. I will certainly come here with the offers and hopefully someone of experience will be able to help me ascertain if they are correct or not.

 

I will now look at referring this to the FOS. Will now consult the customer services guide - thanks again for the advice.

Share this post


Link to post
Share on other sites

i wouldn't trust hsbc to get any PPI payment right either!!

 

have you sent an sar and done a spreadsheet to workout what your reclaim should be?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Have had great success with the email I sent. First offer through - premiums paid from 30/12/04 to 02/01/08:

 

Paid PPI premiums and interest: GBP134.14

8% compensation on payments made: GBP125.80

20% Tax deduction on 8% compensation: -GBP25.16

 

 

Approx Refund available Net of Tax: GBP234.78

 

 

Does this look calculated correctly? Am waiting for the second offer which should be circa GBP2,000

Share this post


Link to post
Share on other sites

no way of knowing without the statements.....

 

but no from 2004!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks for the reply as always you are so quick to revert back.

 

I have managed to get the head of complaints to come back to me with this offer.

What is the best way to go back to him in respect of the offer?

Do I ask for confirmation of the loan amount at outset or will I have to wait weeks for an SAR if I request the statements?

 

He has apologised for the way my two complaints have been handled and is looking into it for me. Any advice?

If I accept the offer can I in anyway ask that it be reconsidered once I have received the SAR's or does acceptance mean I accept and case closed?

Share this post


Link to post
Share on other sites

Second offer just through. Can anyone help me check that these calculations are acceptable bearing in mind I haven't requested a SAR. I wrote to them and they came back to me and said yes I have had PPI on the card and that I could complain.

 

This is the offer:

 

First Premium Charged 02 Jan 2001

Valuation Date 23 Feb 2018

REDRESS TOTALS

Manually Entered premiums. GBP704.25

 

Pre-statement period estimated premiums GBP233.07

 

TOTAL PPI Premiums GBP937.32

Interest Charged to the Card (non taxable) GBP704.23

All Credit Interest (taxable) GBP980.37

Total Fee Refund GBP225.00

Total Compensation Calculated GBP 2,846.92

Share this post


Link to post
Share on other sites

does the letter say full and final.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

urm..i'd p'haps not except it then until you've the info to check its correct


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...