Hello, Please could somebody help. I'm new to CAG. I'm retired now, but had a loan, credit card and flexiloan with HSBC for a long time. Received a letter from them telling me I had protection on them all, although I didn't realise this. I made a claim for PPI for all 3. I was told Personal Loan claim accepted and offer has been made but flexiloan protection claim and credit card protection claim have been declined. The reason given for declining the flexiloan was 'premiums paid in respect of plan have appeared on your bank statements where there has been an outstanding balance, throughout the period your policy has been in force'. Reason for declining the card protection was the same, even though they said they can't find original documentation. Is this fair/right? I didn't realise that I had it and certainly didn't ask for it as I had good sickpay from my employer when I worked. I would be very grateful for any advice/help. Thank you. Brian.