A question about : PPI claiming
Hi everyone, I’m preparing to write to HSBC to claim mis-sold PPI. Just a few questions I want to know before I sent off the letter.
I had two graduate loans with HSBC which are both paid off. I had my first loan 2001. Then in 2002, I borrowed more money, with the new loan account, I paid off the first loan and that account was closed the same day I got my 2nd loan. I only managed to find one of the loan agreements, so I wrote to the bank requesting for both loans' agreement copies and t & cs, which I found the template letter from this website. It was a month ago and I haven’t heard anything yet.
However, whilst I was looking through all my past bank statements online yesterday, I found the loans’ ref nos and the amount I was paid in for both times, including the loan protection amounts they took. So now, even I don’t actually have the original agreements, can I still use the info I got to write to the bank to claim PPI, assuming they think I have the papers? Please note I don’t remember the interest rate etc.
I will just post the transactions I found on the statements here for a clearer understanding:
1 Dec 2001 CR loan capital (loan 1) Ј3360
4 Dec 2001 DR loan protecton (loan 1) Ј368.21
26 Nov 2002 CR loan capital (loan 2) Ј3760
26 Nov 2002 DR loan protection (loan 2) Ј463.16
26 Nov 2002 DR loan protection repay A/C (loan 1) Ј1897.11
26 Nov 2002 CR loan protection (loan 1) Ј95.73
As you can see in Nov 2002, I got Ј3760 but paid back Ј1897.11 to loan 1. And they refunded Ј95.73 for the loan 1’s protection. From then on, I only had loan 2. I paid about Ј160 every month until it was all paid off last year.
Do I need all the paperwork in hand before sending the step 1 letter? Is it better to chase for the original paperworks first even I have the loan reference numbers, borrowing amounts and loan protection payouts? And, as it’s over 6 years ago I got the loans, would I stand any chance getting any money back?
My HSBC account holding branch is now a ‘specialist premier centre’, which they don’t serve ‘normal’ customers there. I got a letter few months ago that my account would be held by a different branch in the same town centre even my bank details are all the same. So where do I address the letter to? HSBC HQ in London? My original account opening branch or the new one? I wrote to the new acc holding branch to request t & c’s but I wonder if I send it to the right place as I haven’t heard anything.
Sorry for the long-winded posting. Any advice would be appreciated. Thanks in advance!!
Best answers:
- Or can I send the step 1 letter via the internet banking site where they have a 'contact us' link? Anyone have dine it that way before?
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