Hey folks this is mainly for infomation, This is the second PPI claim I have done. Many years ago previously I had a graduate account and a large loan attached to it and was sucessfull in getting full refund of premiums paid PLUS interest and the remaining PPI removed from the loan. I have recently discovered evidence of PPI on my flexi loan from when I was a part time college student and before I took out the graduate Loan. (PS i was at college from 16-20 before some of you thin kI had a loan before I was 18) Details Below. Comments and Questions Welcome. -------------------------------------------------- 02/04/14 - Letter submitted requesting details of the flexiloan and all charges and information regarding it. Enclosed included the FOS PPI questionnaire completed, Copies of A statement for the flexiloan, A personal summary listing the flexiloan account number sort code etc, It also displayed the POLICY number. 14/04/14 - Letter Received saying they were unable to find the records I asked for from the details given. Requested I "Re Submit" the request with correct hsbc sort code and account number. 14/04/14 - Reply sent to HSBC enclosing the following copies, Original Letter of complaint, Their letter received this day (dated 04/04/14), Financial statements showing the flexiloan repayments, the financial statement showing the policy and loan. I also enclosed copies of additional flexiloan statements 09/10/03 to 08/12/03 and 09/12/03 - 08/03/04. Also enclosed 2 current account statements showing the flexiloan repayments and also charge for "Loan Insurance" In the letter I stated that my original request still stands and that this was NOT a resubmission. I also reminded them that they could get the information regarding the charges from the Loan insurance from my statements 25/04/14 - Letter dated 22/04/14 received from Ross Dear, Wealth Complaints Officer stating that my signature and address did not match and would not be able to investigate my complaint further until I proved my identity to them by going to a branch with ID and doing a sig change with proof of ID. I decided to humour them. (My HSBC account has previously been closed and along with my HSBC Credit card are being paid off £1 a month. Third parties and other inhouse agencies had been passed my current address by HSBC and had been happily to correspond and make arrangements to pay etc. Lady was a bit bemused. Filled out a signature thing and took copies of my id etc. Refused to give me any proof that I had been there and complied. Letter sent to HSBC same day. Stated that Under DPA/CCA I didn't need to supply signature. Added reference to my visit, named time date, branch etc. Challenged them on why they were asking for ID when Metropoliton Collection Services, a member of HSBC Group had been happy to correspond and make arrangements etc with me. I also enclosed copy of Council tax Bill and passport copy. Letter also told them I was getting Frustrated with HSBC continuing to use Various delaying tactics to avoid resolving my complaint and that I was sticking to the original timescales laid out in my complaint dated 02/04 which meant 8 weeks to resolve my complaint and 40 days for the information requested. Failure to comply would result in me referring my complaint to FCA and ICO So I expect to have the information by 14/05 and the complaint times out 30/05 Tick Tock Goes the Clock

I wrote to HSBC on 22nd July 2015 saying that I had a packaged bank account and highlighted the areas that I believed it to be mis-sold. I received a letter back 1st August 2015 which confirmed the following. It started as a HSBC Plus Account October 2007 in February 2010 this was rebranded as HSBC Advance, in September 2010 I downgraded the account so no further fees were charged after this time. It also added that the bank has rejected my complaint on the basis that more than six years have elapsed from the date I converted to an HSBC Plus account which is the event you are complaining about and more than three years have elapsed since you knew or could reasonably have known that you had potential cause for complaint. I must admit that I just accepted that was the outcome and put it to one side. I came back on here to see how things had progressed with packaged bank accounts to find that HSBC had been economical with the truth, what a surprise. I have drafted the following reply to the letter and would appreciate someone having a look at it and advise. "I refer to your letter dated 1st August 2015, it has actually took this long to reply as I believed and trusted what was actually said in the letter, in that you say there are time limits for a customer to complain. But, along with many millions of other people we have learned that this trust is not always the case, on this basis I have taken to use the information available on the internet and other media sources. As you are fully aware the FOS did not even publish they were reclaimable until January 2014, what was I supposed to do, look into the future from 2010. The time starts from when I became aware that I had grounds for a mis-sell which started from my letter dated 22nd July 2015, I did not 'become aware' of the reclaiming of these fees until then. It was only at this time, due to media coverage and research of the issue around these accounts that I realised that this had been a clear case of mis-selling that was when I raised the complaint at the time that I did. Your active encouragement not to go to the Ombudsmen " The Ombudsman might not be able to consider you complaint if what you're complaining about happened more than six years ago, and you're complaining more than three years after you realised ( or should have realised) that there was a problem." I find this quite disconcerting that a bank like HSBC has taken a policy to deliberately mislead customers and further dismiss the complaint out of hand. I certainly do not recognise that your letter is the Final Response on the matter. I am sure we can come to a mutual resolution and closure of this issue." Apologies for borrowing a couple of lines from individuals on this forum but I am not the best of letter writers. Thanks in advance.

Has anyone claimed or in the process of claiming for miss selling between August 2009 and October 2012 of investments to customers

Apologies if I've not posted this in the right place. I've been clawing my way out of a financial hole for the past few years and am now in a position where I have one remaining defaulted account on my credit file. The debt relates to a £1000 overdraft with HSBC, which defaulted in Jan 2014 after I ceased paying in 2013 due to financial difficulties. The debt is now under the control of 1st Credit, who have sent me a number of letters, including offers of reduced settlement. I am keen to get this default removed from my credit file if possible and wonder what you think of my chances for negotiating a f&f settlement of 10%, or whether there is any other action I should take before doing this? I have trawled the site and compiled the following letter based on previous posts; if someone could look over it and comment/advise as you see fit then I would be extremely grateful. 1st Credit Ltd Without prejudice Dear Sir/Madam Re: Account Reference No: I write with reference to the debt that you claim to be owed on the above account, which is disputed. I am unable to offer to pay the debt in full; however, I can offer the sum of £100.00 in full and final settlement of this account without any admission of liability. This offer is made on the following conditions: 1. Neither you, nor any associate company will take any further action to enforce or pursue the alleged debt and that I will be released from any liability. 2. Any remaining balance is not to be sold or assigned to any 3rd party for collection at any time in the future. 3. You will mark all entries on all credit reference agency files relating to the above accounts as "settled" in full. Clearly I do not mean partially settled. 4. You will remove all negative markers and default records within the past payment history on all credit reference agency files. This offer remains open for 7 working days from the date of this letter, your written agreement to the amount and conditions must reach me within 7 working days. Payment can be made within 7 days of receiving your written acceptance. Yours faithfully

Hi All Not sure if this is the right place I am finding it all a bit confusing. I have filled a PPI complaint with HSBC and they have responded saying they need me to goto a branch to verify my signature. I dont trust banks at all so does this sound legit? thanks Dave

I had an online credit card with HFC (opened in 2005) which I defaulted on in 2009. It was then 'passed' to Restons. I don't know if Restons are really a solicitors as they claim or a DCA. from 2009 I negotiated payment of £1 to each of my creditors, including Restons. In 2009 I CCA'd Restons and in 2010 Restons issued proceedings against me saying the £1 wasnt sufficient. I defended the proceedings and the proceedings were discontinued before it got to court with no Order as to costs. Am still paying the £1 although I havent heard from Restons since the court case was discontinued. I thought creditors have an obligation to provide periodic statements so wondered if Restons still owned my debt. Therefore a few weeks ago I CCA's them again. They returned my £1 postal order and said they were confused as to why I was making such a request. They did provide me with the agreement though not the terms and conditions or up to date statement. Maybe once you have CCA'd a creditor they count that as sufficient and no point chasing any further even though they havent complied with my current CCA request.... I suppose it's wise now just to keep going with the £1 payments as they were really tough to defeat once they had their claws in and I dont want to antagonise them.

I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC. She has over £1200 in charges from 2007. I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank. My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account and makes a high monthly payment leaving her to use up her overdraft every month. Can I claim from 2009 (6yrs back) ? Can I use the same spreadsheet used in calculating Credit card charges ? Can she add interest at 29.9% to the charges? Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ? I would appreciate your prompt reply. Thank you

Hi All, Looking for some advice please (I have a number of debts I am looking to gain control of), I will start one at a time and create a separate thread for each. I had an HSBC Advance current account from 2009 - 2014, during this time on several occasions, HSBC allowed me to go into an unauthorised overdraft and charged significantly (many times charging £100 - £150 for this "priveledge") - admittedly my poor account management was to blame for the situation, but ultimately meant every month my account would go overdrawn by up to £150, most times made up solely from the charges from the previous months unauthorised borrowing charges. On one annual statement, I had paid over £1200 in bank charges, majority of these for unauthorised borrowing. Now there is some background, in December 2013, the same thing happened, but this time I decided I would not pay the charges (not very smart) and I would open another bank account with a different bank. HSBC then added more and more charges to this till the point the account reached £727 made mostly of charges. Like a fool, I simply ignored HSBC and buried my head in the sand. The account was defaulted in June 2014, I then started making payments to HSBC and the outstanding balance dropped to £646 until 3 months ago, when I ceased making payment and more recently Wescot are writing and calling chasing this debt. I have looked through threads on this site, but most deal with loans or credit cards, but I know a bank account works differently. Is there any way to challenge the charges that HSBC placed on the account, or should I simply resign myself to slowly paying off this debt? Thanks in advance

Hi to all who read this. This is my first post, prompted by yet another day of hassle from HSBC. Some 6 yrs ago, I opened 3 accounts, Business, Joint and Personal. All had small overdraft facilities. Within the last 3 years the Business and Joint accounts always in credit had, with no reason given their facilities withdrawn also my wifes credit card which she had never used. My personal account has varied from £20,00 credit to £2,200 in debit, facility lmit £1,500. Latterly the limit has been exceeded fairly regularly. Inevitably charges and interest have been applied. I have sought meetings with Branch managers, been continually fobbed off, appointments made on bank holidays and on two occasions, people who stated they were the wrong people to see. I then decided on a letter only policy, my letters being passed on to Customer Service staff for reply. My questions are not answered and I am asked for duplicate information. All the time I am issued with threats. When the overdraft was cancelled on the joint account, I was forced to replace it with a Flexi Loan. Today went to check my SO and DD list on internet banking only to find that all my SOs and DDs had been cancelled by HSBC, without anyone having the decency to tell me!. I have not as yet taken any action regarding Interest and Charges, they must be considerable and I am using the Advanced Spreadsheet. Could any of your members advise me as to what I should now do?.

Hi all, Been mulling this over for about a year now as I was fobbed off by HSBC for my PPI claim. Here are the basics: Had a loan with HSBC in 1997 as I was 19 I was advised I HAD to have PPI for the loan, as I was buying a car and paying off a credit card. Loan was for £3000 Xmas 97 extended the loan to £3500 and again (I remember sitting at the desk in the Crawley branch) and being told, as I was extending the loan that PPI again PPI HAD to be added as they are 'helping me out'. '98 was going through debt problems and my father took me to HSBC branch again and they took my debit card off me and restructured the loan again with PPI till I paid it off in 2000. Now I followed all protocol for the information of the accounts and statements, but none was forthcoming. HSBC eventually (after 9 months) sent me the loan account numbers but said there was no PPI on any of them. I spoke to two different HSBC people in two different parts of the UK. One guy stated that he has all info in front of him, but can not 'verify' I had PPI and the lady I spoke to just said that she cannot confirm that I had PPI as it was too long ago and all details are destroyed after six years. I stated to both of them that if all details are destroyed after six years and no data stored on Microfiche, how can you send me details of all loan accounts and statements? Both staff said that if I can provide the PPI certificate, I have a claim. Now this was last year, The Ombudsman agreed with HSBC that there is 'no proof' that I had PPI, but I know I had PPI. Where do I stand. Barclays paid out on my PPI for years 98-2000 and I had no info for that. What I want to do is file at County Court for say £3000 for PPI Mis-selling and see how far I get until they settle or I go to Court. I have nothing to lose apart from my fee's for the County Court, and maybe HSBC might find my information? Look forward to any replies.

I have been an HSBC customer in three countries and I've never seen anything like this. Everything we do with HSBC UK seems to have a negative affect on our credit rating. I've never defaulted on a payment, and was planning to buy our place in a few months time. It's way beyond illogical, it's just plain ridiculous. I opened an HSBC Advance package a few months ago, as I was told that getting a credit card would help my credit rating, and help me secure a mortgage. I was offered a credit card limit for a few thousand pounds, but as I was not planning on using this that much, I opted to limit this to £1k. Recently, after checking my credit report, I noted that this "lower" limit is hindering my credit rating, so I tried to increase this, but now HSBC won't do it, as it's not yet passed 6 months since they did the credit check. I was never told that this lower limit would affect my credit score initially, so now I have to wait a few months to raise this. P.S. I was only told this after calling 3 times, and trying to do this twice on Internet Banking. my wife arrived in the UK (from being a loyal HSBC customer in Malta) in January. Upon arriving she opened a basic bank account with HSBC UK. Having waited the full 6 months to get upgraded to a standard bank account, she was told that she's not good enough to merit this. This is a professional earning over £30k per year (for the past 5 months), having a good credit history elsewhere within HSBC. This might be because as we got married a couple of months ago, she changed her surname earlier in the day (with the same person), thereby erasing any history HSBC had of her, and told her to wait for another... (wait for it) ...6 months. These people are beyond simply ridiculous. In the meantime, we were discussing how much of a mortgage we would be able to take. So obviously they told her that they wouldn't give her anything, even though we have over a 15% deposit, thus limiting severely our options. Furthermore, it seems that every HSBC person we speak to gives us advice which actually hinders our credit score and chance of getting a mortgage. Apart from that, we have been waiting for over a month for this bloody appointment, as they're always too busy... Please note that every time we speak with them, they do credit checks on us, affecting negatively our credit score, and any way I try to improve this score, I'm blocked off by my bank. This is a bank, I worked with in the UK (even though I wasn't here all the time) for almost 8 years, and who to this day treat me like I never existed and have to introduce myself like a new client every time I speak with them. They don't recognize my holdings elsewhere (including another HSBC Home Loan - yep, another mortgage, that's right...). Furthermore, my wife is in a position that she can't build a credit history with them, even though she already has one which they clearly trust elsewhere... My impression is clearly that these people won't help us buy a place, but actually hinder us in the process , by lowering our rating through useless checks which they do not proceed upon, even though we'd be very good clients (we're a couple of professionals, with over £60k of proven annual income). For that reason, we have no option but to look elsewhere where to bank. Clearly, we're not good enough as we're neither Mexican drug lords nor tax dodgers for HSBC Switzerland!

Hi, I have read through the forums and online and I am unsure what is correct regarding an Overdraft. The most recent letter from Low Life's is asking me to contact them before 11/07/2015 or they will take legal action blah blah, I think they actually mean it this time. I called up HSBC and they said the last payment into the account was September 2009 so it's not quite SB and that is my question what is the SB date on an over draft? Cheers, Flappy

"We've added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria. " HSBC sent me their latest - we are changing your terms and conditions mess and I spotted that they are stating that they now claim the right to change you bank account type (without your request or acceptance) if you meet the requirements for some other bank account type. It seems they want to start moving people from simple free bank accounts to what could be charged accounts (premier etc) if you happen to meet the requirements set to allow that account. Now you could meet those requirements for a few months, they change you too that account, then your circumstances change (eg less than the minimum required transfer in each month) and you will then be in a monthly charge account without ever agreeing or requesting that change. In the details they do say that they MAY notify you if they have your correct contact information, but would appear to be attempting to avoid any obligation to have confirmed you have been notified, let alone agree and they require you to ask not to have your account changed - difficult if you don't get the notification or they choose not to let you know.. It seems rather insideus at the moment, and what is the next change to T&C building on getting away with this? " Bank Account terms and conditions 1. We may give you thirty days' notice that you meet the eligibility criteria for, and we're going to convert your account to either our HSBC Premier Bank Account or HSBC Advance Bank Account. You can ask us not to convert your account if you want to keep your existing one. 2. If your Bank Account is closed or converted to another account type, we'll remove all the Bank Account benefits on the date of closure. "

Hi All, Ive been able to get Lowell off my back previously through this website I am hoping I can get some quality advice this time around as well. Im being chased by Lowell for an old debt with HSBC. I had an account with HSBC and back in my stupid student days ended up withdrawing some cash over my over draft limit. This resulted with a balance of £742 with over half of these just being bank charges . The last time I used my HSBC account was January 2009 , however, Lowell has got an account Default date of September 2009. I believe that this gives them some extra time to play with the statutory limit of expiration. Recently, they offered me a small discount but I also contacted them by email with an offer to settle the dispute that they turned down and are now demanding the full amount. I have not paid any part of this debt since it became defaulted. I don't want this issue to escalate any further and especially for Brian Cater to get involved. What do you guys think are my best options? Should I try negotiating for a full and final settlement or just agree to a payback agreement of the full amount? Secondly, should I challenge that this account is in fact statute barred? But I don't know at what point the clock starts ticking for this account. Would it begin from the last time that I used this account or are Lowell correct with the default date of sept'09? Thanks in advance for your help. I really want to get this issue resolved as this is the only issue impacting my credit report and any future mortgage applications I may need to make. Details of the last letter received from Lowell Pre-Legal Assessment Dear XXXXXX, Your account is escalating We have written to you a number of times but you still haven't repaid your debt or entered into a repayment plan. Please contact us as soon as you can as we are still committed to helping you repay this debt. As you have not paid we have obtained information about you and your current financial circumstances from a credit reference agency to help determine whether we should take legal action against you. From this information we believe you are working, have other credit products and that using the County Court is a realistic option for us to recover the money you owe. If any of the above information is not correct, or you have a reason as to why you think we shouldn't proceed with legal action you need to call us straight away and let us know why. Our objective is to work with you to repay this debt. We genuinely want to avoid taking legal action but we need you to contact us. We are happy to agree with you any amount you can afford to pay by instalments. Yours Sincerely,

I've been reading Carey v HSBC with horror. I contacted [edit] solicitors. They tell me that a signed application form containing the prescribed terms and conditions was an executed agreement. This has me really worried because Arrow Global has also told me this and want cash off me pronto. The real problem is that I didn't know anything about the CCA 1974 until after Arrow had a charging order against me. When I found out about 3 years ago I stopped making payments to them. I told them why. Arrow quote Carey v HSBC and has said they want cash from me or they are going to force a sale of my house. The CAB told me to contact [edit] solicitors. I showed them the copy application form from 2000. [edit] said this was legible and as far as they were concerned it was a legally enforceable agreement as the terms and conditions seemed legible and prescribed. I've attached page 2 of the application form from 2000 containing what [edit] has said is the prescribed terms. I cannot read these terms. Wonder if anybody can. If you can read them do you think they form a legally enforceable agreement. This application form is what the original creditor sent me as part of a SAR and a CCA check. At the time I told them I couldn't read the terms and asked for a clear legible copy. I'm still waiting. Recently Arrow told me they would send me a clear legible copy but I'm still waiting. Anybody got any advice as people on this forum tell me that an application form is not an enforceable agreement but this was said before Carey v HSBC.

I am trying to reclaim a large amount of PPI from HSBC after I noticed just how much they have taken off me over the years in insurance on my credit card. I was originally told that I had to have it in the first year because I was a student and that it was mandatory. I did not realise that it was still going today. I have already printed and sent the letter asking for all the information they have on me but where do I go from here? I have never done this, my husband was lucky after just asking his bank about it his and they simply repaid him an amount. Any help or advice would be much appreciated thanks I must note I am dyslexic so if there is any forms or website that are of use could you please post them on your feeds as trawling through websites to find things causes quite a headache. thank you

Hello So I recently did a SARS request to HSBC this is after they sent out letters to me saying I may have been mis-sold etc. It was clear I had been mis-sold so I wrote back giving the reasons why with a spreadsheet showing interest due etc. I have now had a letter back confirming receipt and would I please fill in their Financial Ombudsman Service PPI Questionnaire. The question is do I really need to do this? I explained in my letter why I felt I was mis-sold so surely this should be enough for them to take on board my complaint and settle. Would you think? Any advice greatly received. Thanks

Hi all Firstly apologies this is my first time posting, have had a good look around the site and am very impressed. I've been able to kind of answer my question by studying other posts here but would appreciate peoples opinions if they have time. I defaulted on a HSBC current account that was overdrawn in September 2009. The amount was approx. £4000 and was mostly unfair charges from the bank. I did attempt reclaiming charges prior to default but in the end just gave up, cowardly I know. Since 2009 I've moved addresses a few times and had letters from Compello Group chasing this matter up. Until now I've just ignored everything (possibly a stupid idea) Lately the letters have been coming from MKDP arm of Compello and the latest one looks a little more serious. Its a fishing letter no mistake "We have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases and understand you reside at this address" goes on to say about an instruction to pre-legal department and if the matter proceeds possible CCJ, Balliffs or Attachment of Earnings. The matter would be Statute Barred by my calculation later this year (September 2015), but have read on here firms like MKDP go for a CCJ to prevent it becoming SB ? Should I go for it with the SAR, CCA letters do you think ? Or am I just entering a big next of vipers ?! Thanks folks

Hiya I was wondering if anyone can advise me on what I can do about HSBC and irresponsible lending. I’m going to keep it as short as possible and am happy to give more information but no point hurting your eyes any more reading my thread than needed In 2007 I got a personal bank loan couple of years later the media started talking about banks doing wrong and there being a court case about if / what they done wrong. I started researching about my bank loan and felt it was mis sold. Applied to bank then escalated to FOS for PPI refund and this, in the end, was given back 'as a gesture of good will'. Then tried to apply again to FOS about irresponsible lending. Esp. where the manager had to over ride the system in order for me to get the bank loan. Asked for correspondence/notes/information (internal and external) from FOS and Bank when all was happening. On the FOS own internal notes it states that HSBC haven’t got a contact for my loan Alarm bells rung and I stated that without a contact (esp. pre April 2007) there was no loan! On HSBC own internal paperwork it has there own employee saying it would have gone over SLA timing. Another note said that there had been a restriction on my account up until the day we'd asked for the contact. FOS did not agree the bank loan was mis sold. In fact they said I had lied in order to get the loan. Truth was it was there OWN employee who suggested I add my boyfriends (who was with me when applying) income in the section of ‘OTHER GUARANTEED INCOME’ and again with there own paperwork the asterix by it states that any information put in that box would need to be verified. Within my paperwork my credit rating was classed as an A2. When we asked HSBC what this meant they stated - (Quote) The system grades lending requests - in the cases of A1 this would mean an outright acceptance with no further decision making necessary . For example, someone with an excellent credit rating requesting to lend a small amount of money. Likewise, a R1 would be an outright reject. The A2 in this case means that the system accepts on the condition that the branch also accepts on the condition that the branch also accepts - it not a 100% computer generated decision but dependent on review and acceptance by branch (End quote) So it states the bank would have to say 'yes this person is able to have the money they can pay us back'. Again I stated to FOS that due to the bank not being able to produce the contract that would make it void they again didn’t agree. Another thing that buggered me big time with HSBC (ever so slightly separate but equally need advice) is in 2010 stated to them I was in financial hardship. They put the loan in 'parking' (hold payments / not add interest as in financial trouble) yet 2 months later they started their weird process of taking 1 and half month money then normal payment then 3/4 of a month payment etc. In a space of 30 days they took 3 payments totalling - £835.05!!! For a part time working, single mother of a young lad with wages of £550 odd per month that’s more than my month wages!! Then came in the bank charges (the circle of being charged for being charged...sometimes hundreds of pounds!) no matter WHAT I said I was always in the wrong from there point of view. I am more than happy to go in to more detail about anything needed but any kind of advice would be brilliant. I don’t know if Id be able to go down a legal process to get them. I have read through the whole CCA 1974 and feel that by there own rules they have been irresponsible for there actions. For me now it’s a principal thing. Don’t get me wrong Id LOVE the money back but for the last 5 years it’s been about my credit rating . They have totally buggered it up! I feel I am right in what I have found but to be told no your wrong by the FOS is a confidence hitter. Ok so I’ve waffled on here....repeated my self I’m sure...just hope that I have made (some) sense. Thank you in advance for any help!

Hi HSBC have rejected a credit card PPI claim, stating that '....the policy document explained how the policy worked together with the claims procedure and the exclusions that applied... .....I also wish to bring to your attention that the Credit Agreement Form was completed and signed by you. Your separate signature requesting the CRP confirmed that you were aware that it was optional and that you had a period in which you had the right to cancel if you were dissatified with the cover.' They have enclosed a copy of the Credit Card form that I signed. I just wondered if there were any further steps I could take wth this, or is it the end of the road? Thanks

I owe HSBC 12K on an unsecured loan and 2k on a credit card. All payments are up to date and none have been missed. If I simply stopped paying these debts, would HSBC apply for CCJ to recover these costs, or would they be passed to a DCA who would eventually do this? Does anyone have an approx timescale of how long it would be before HSBC or a DCA actually started the CCJ process (as opposed to just sending threats) and also does anyone know if they would group these two debts together and manage them as one? Thanks in advance.

At the moment, I am unemployed due to health reasons. I've just had a major operation and I did not overdraw, but rather, bills like TV license, Virgin Media etc.... They took out £44 for charges and I forgot where the draft is to write a letter to them to claim it back under hardship! I hate HSBC, I really should change banks soon...

Hi I have just found some old paperwork for a car loan i took out with Midland Bank in 1997 (now HSBC).. As you can see from the photo - They charged me £959.29 for this "credit protection insurance loan". Now seeing as the loan for the car was only £6000 - They charged me a sixth of the value of the loan for this insurance.. Credit protection insurance loan was £780 - and on top of that they charged £179.29 interest (total charge for credit). Can someone tell me if this is part of the PPI story - and am i entitled to claim this back? Should i goto HSBC direct - and save myself the fee PPI companies charge - or would i need to goto a PPI refund company to claim it back properly. Any assistance would be appreciated! Thanks Steve (p.s. I covered up my name and address in photo as advised by my friend - just in case!!)

Mrs ICY took out a so called Flexxi loan in 2006, such a horrible system they use, knowing you will never pay the damn thing off, its just another account on your online account credited with £5000 you pay £200 a month back (they take £75 for themselves every month from this) the problem is the moneys always there and its always being used, it is such an expensive loan to use but because of the £200 going out to repay it really leaves us short it a trap. it was taken out in branch, when she went in they just asked if all circumstances were the same (she had been a customer for many years) they mentioned nothing about PPI but not only do they take £75 a month for the pleasure but they have also set up "load protection" at just under £17 a month, spreadsheet ready to be printed. Her work contract covers her on full sick pay for up to 6 month so there is no way any sickness policy would be needed and her job is extremely secure as she is responsible for funding so and would know a year in advance if her position were at risk.

Hi All, i had a mortgage from 1996 to 2002, i think i had PPI so have claimed, HSBC say they cant find a record of my PPI but i'm pretty sure i did have it. Is there any other ways to check for this PPI as i don't have the documents or policy number or mortgage statements. Cheers.