Thanx Mark!

ok thanks, think I shall go for the latter and force them to provide the document in a court of law as they have given me a date, they could not do that without having documents to hand. Many Thanks

Hi Yes, I did that (SAR)and they returned my postal order twice. I accept that you are unable to work out how much refund I should have, but given the information I have provided HSBC they should be able to work it out, would you agree?

No, HSBC will not divulge that information to me. I asked them to work it out as it is their business and it would be a simple task for them to sort out, but they are sticking with "unable to locate douments". I collected my own info from past letters, best I can come up with, but all the information is there, so I am thinking if I could provide them with an amount to refund me, they could either accept that or arrive at their own sum. There was definately PPI added as I had 2 loans (both with PPI) but cannot find the credit agreement, so asked them for it and now they are stonewalling. Funny, they came up with a date my loan ended. How could they state a date without the document. My guess is, they wont admit they have it now cos they dont want to return whats owing to me. At the very least I should be able to sue them for not producing the document within the legal time frame, is this correct? “Failure to comply with a disclosure request under the data protection act is an offence.” Thanks

I had a loan from HSBC/HFC in 2001. When I applied for PPI to be returned to me I was informed “we have done a "reasonable" search, but cannot locate the document” - in other words tough luck! I set about looking through my own documents and found the date I had the loan, how much it was for, monthly payments, and end of the loan. Could somebody please help me to work out how much I should be asking back for PPI/interest given the figures below? Here are the details: Amount borrowed £1,265.43 Interest 29.3%) Monthly payments £63.76 Loan start date February 2001, over 36 months (I hold bank statements of payments made) Loan ended 16 August 2004 with a final payment of £820.19 (Bank Statements held) I requested refund in June 2010; the 6 year period did not expire until 16 August 2010 So the situation is, I still have not received the document I requested and am entitled to by law. I then wrote to them again and said: If you do not hold Data for a period longer than 6 years I would also request confirmation of this in writing along with your methods used for disposal of such information to comply with the Data Protection Act, stating the name and contact information of your registered Data Controller and Code Compliance Officer. Needless to say they did not reply and it is now over a year since my request, any ideas what my next move should be as regards ignoring my request of document, initially they only had (40) days to produce it.? Any help is gratefully received Many Thanks

To where?

Hi Would anybody happen to know who the underwriters were for HFC Bank(Loans) from 2000 to 2002? Any help at all, much appreciated. Thanks

Thanks ims:wink:

Broker put us in touch with GE, but there was never any mention of money being exchanged. We only found out that the PPI attached was for ten years along with added interest over same period last year. I did not qualify for PPI due to medical condition, they would have known this had they supplied us with the full information. All they were interested in was the sale. Thanks

Broker was Freedom Finance, but I was told by GE, Bespoke Gibralter (what a lie) I beleive GE are known for this.

Well yes, in a way ims, I am in the middle of seeking ppi back via underwriter route, so thats taken care of; but is it illegal to leave broker box blank when 3rd party involvement is clear? Also, should I not have been informed? Thanks

Yes, ims PPI was attached, wasn't informed it was for ten years, plus I had medical problem, it never should have been forced on me. Thats how I found out broker was involved (third party) but nobody told me that £3000 would be paid up front and I would continue to pay for ten years, on top of that, broker box on agreement is blank?

Hi ims Loan was taken out 2004, it has another 3yrs to run.

Hi I have my credit agreement with GE for secured loan. My question is this: If Broker box on my credit agreement is blank (no stamp or signature) that would mean no third party involvement, am I right? It has recently come to my attention that a broker was indeed involved in our loan, but this information was never disclosed to us. Your thoughts please. Thanks

Ha-ha, keep 'em coming Martin, that's a great one to keep!