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Excellent- thank you for your help. I will go into the branch this week- wish me luck ha ha!

Thanks. Right, I've got the PPI for CCard and transactions which prove that I had that. Past tense- it seems to have been applied for a period of 2 years then stopped? I have no documentation or recollection of why that is...................... Interestingly the so called agreement does not have either my signature or anything else on it- it's just a generic copy. No tick in the PPI box either? Bit stumped there. Flexi loan is a lot more sketchy- I have some simple print out of a 'Customer Data Utility' from HSBC inhouse computer system- looks like something from the dark ages- very very basic information such as product number, date opened(1996) and 'unknown' under date closed. Last update date 2002. NO payment history nor agreements. I know this was closed years ago but without detailed information it makes things difficult to say the least!

Thanks for the advice- they havenow sent all copies of records and the like but no PPI information- they are insistant upon me writing to a seperate data controller from their insurance section regarding PPI. Are they therefore still in breach of failing to comply with my SAR or shall I write something different? Losing the will here as it seems so ardous and it's like pulling teeth with them! Many thanks for your advice!

Hi- many thanks for replying- I didn't think anyone had so apologies for the late reply. The letter I sent was: I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts. I would be grateful if you would provide the following regarding payment protection insurance held for the following two accounts only: 1. Settled flexi loan account xxxxx 2. Credit Card account xxxxxx -Full copies of all contracts which you believe exist or have existed between myself and your organisation from these two accounts , including true copies of any documents you hold in support of the same. This includes application forms/requests for services. -A complete list of all transactions or statements relating to both of these accounts with your organisation. -Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. -Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. -Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. -Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my accounts. Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents. I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection. I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein. I enclose a cheque in the sum of £10 to cover your fee. IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION. I look forward to hearing from you in the first instance of receipt. They have not sent copis of any agreement held through PPI and advised to write to a seperate department quote'a seperate legal entity to HSBC bank plc and you will need to write to the correct data contoller enclosing the £10 fee' I did do this some months ago and have now not heard anything from them. I guess I'll have to send another letter to the 'insurance services' with another £10 cheque!

Hi, I'd be grateful if anyone could help me. I went into my bank (HSBC) and a lady in there confirmed that I had PPI on both an old 'flexi' loan and also an old HSBC credit card. I sent off the SAR's and can't see anywhere that I do or I don't. On another worrying note, the bank said as they have 'assumed my request for information is likely to obtaining details of PPU held with HSBC, I can confirm that I have found no record of any PPI being attached to any loan with HSBC' I beleive that they are (surprise surprise) lying! So, shall I just send off the questionnairre complaint anyway? Why should I say it was misold? Would really appreciate any help/advice, cheers

Brilliant, thanks Mistermind- I am looking for an envelope and stamp as I speak! Will let everyone know how it goes.

Hi, I'm fairly well versed in claiming my charges back from various banks/credit cards right before the test case/ postponing and happily won ££££'s back which I'm very happy about. I recently remembered I sent a prelim letter to Egg back in March 2007 and got fobbed off with the usual standard 'our charges are fair etc etc' and just didn't pursue it further. I decided to follow this up recently with a letter before action of the 'winning letter template' variety. I got a standard response along the lines of 'Egg does not believe the terms and conditions of the Agreement are in anyway fair or unlawful blah blah blah' and enclosed a leaflet for the financial ombudsman. Now am I right in thinking I messed up by going in with the LBA because it had been 18 months since the prelim approach- or does that not matter as I've given them adequate time to respond? I'm not sure wherether I should start the MCOL claim now - any advice would be appreciated, thanks! Ps it may be worth noting that I don't owe egg a penny and closed this account last year.

Lateralus- thats cool- i did actually think you meant DG but I see what you mean!! Thanks for both of your advice,I will start with a nudge letter and take it from there- I guess its just a waiting game!!

Many thanks I will do that- its just been over a month and i just thought they would have offered by now or set a court date at least! I will get writing that letter!

an update on the above- still no court date or correspondance from courts or Dg solicitors- have called - they never answer the phone, several messages been left- any suggestions anyone??????

thats great, thanks for your help. I just don't understand all these stalling tactics- they paid up in full with interest etc on my personal claim- it must cost them more time and money rather than pay up? I guess I'll just sit tight and wait for the postman then! cheers

yes I have a defence and notice of transfer of proceedings from nottingham to our local court.

yes do claim- the bank are going to say you can't! but make sure you have that parachute account opened - hsbc have a nasty habit of closing peoples accounts if they claim twice! Good luck

Hi wondering if asnyone else had a similar isssue/ and or advice. Business claim- Hsbc, they filed a defence and sent me a notice of transfer of proceedings- that was exactly 2 weeks ago today - I have not had an allocation questionnaire in the post yet- am I meant to do this myself? not sure?? Any advice?

I would certainly hope so- I might just write them a letter explaining this to them along with my copy of charges!

many thanks for your posts I now think that they have just submitted a generic defence rather than one specific to my business claim so I will point this out on the allocation questionnaire- that is a big mistake on their point though surely and this must count for something- legal wise? I will pm some people though just to get a feel of what will happen.

Can anyone please help? HSBC have filed a defense after 28 days. They are citing that the 1999 UTCCR saying they are not applicable- PLEASE NOTE- this is a business account and under the particulars of claim when filing I did not cite 1999 UTCCR as reasons! They say they are not default charges and therefore cannot amount to a penalty! Help eek. My particulars of claim where as follows: The claimant has held an account with the defendant, conducted on their Standard terms and conditions since August 2003 , The defendant from October 2003 to present day has applied charges to the claimant account, totaling £1634. The bank's charges are a disproportionate penalty and therefore unenforceable. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic v New Garage [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963. The claimant has repeatedly asked the bank to refund their charges or offer proof that they are true pre-estimate. They have declined to do so. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act (1982).The claimant claims £1634, being the sum unlawfully debited. The claimant claims interest pursuant to S69 of the County Courts Act 1984 at the rate of 8% per annum, being the sum of £279.40. Does anyone know what this means? I really don't know what to do next - any help would be greatly appreciated Thanks!!

in effect yes they are all just follwing a process - if you go on mcol it will tell you how long DG solicitors have to defend, in the meanwhile wait for an offer from DG, sign it as it will be the full amount and then voila- money in your account within about 7-10 days. Good luck!

hey mike - mind disclosing the number you phoned for those statements? cheers!

yeah thanks no its actually Everton! lol well good luck I hope we all get our money soon!

great will do, I'm off to the Reading festival next week its a shame it won't be wrapped up until after that!!Thanks and good luck!

are you just going to wait for the banks response then? I guess I'm just a bit scared they won't cough up!!

many thanks, yes that has cleared it up for me! i will post off a letter today to the bank explaining just that, I think this site is great and I will be making a donation when I get my refund!!Cheers again and good luck!

Wonder if I can pick anyone elses brain here as I'm getting overwhelmed!! Done prelim, they declined standard fob off letter ect, sent LBA gave them 14 days, I filed moneyclaim online on the 15th day for £2525 plus costs and interest. That was 3 days ago, they sent me a letter for a part payment as full and final settlement which of course I will accept and tell them I ill be pursuing the rest of the money. However I am lost as to what the next step is- do I phone mcol to adjust the amount I'm claiming or just leave it - any help will be much appreciated!!