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

OK after concluding my case with the OC I am now in a position to deal with this. History Launched action Against OC for unlawful penalty charges and interest in restitution. This case was concluded to my satisfaction. The debt had been previously sold on to IDR. The OC did not purchase or buy back the debt. Now its time to wrap this up. Outstanding balance is £2670 ish I am unemplyed (but waiting for last paycheck to come in) and then will apply for benfits while I seek work. Both the OC and Link answered a CCA request with a reconstituted copy plus a few variations from where the account was varied. Account was opened early 2000's no later than 2004 Am I right in saying as this is a pre 2007 that a reconstituted is required for enforcement? Also am I also right in saying that as they varied the contract they MUST provide a true copy of the original? The reasons for asking this is that I am wanting to build a case to allow a discounted F+F settlement Advice on how to proceed? Thanks peeps.

OK history of the debt: Credit card Taken out: 2005 ish Original Creditor : HSBC Current Owner : HSBC Agent : Metropolitan (HSBC) Approx Amount : £1200 Current Status of the debt: £1 minimum payments to Metropolitan. Account defaulted and terminated 2012/13 after informing them I was on ESA (at the time) Offer made July 2013 40% reduction by Central Debt Recovery Unit. AIM: Evaluate the enforceability of this debt in order to make a reasonable F+F. ------------------- OK I have the SAR info already - Very little in the way of charges. No known PPI So why did they offer 40% reduction so early? Tomorrow a CCA shall be going to metropolitan. Something smells. Anything people think I should be looking out for? Being 2005 the account was opened I would suspect they have the original agreement required to enforce. So any ideas?

OK just wondered if this was worth warning people about. Background Small Credit Car debt with HSBC £1100 Passed to their shady operatives in the Phillapenes "Metropolitan" Been paying £1 a month token payment for 6 months. Review has occurred, they agreed to carry on the same terms but sent a new Standing Order form. Thing is, I nearly blindly signed it but remembered that the original one is set up to carry on till eternity (or 999 payments) So checked at bank today and the old one is still going, payment went out today as normal. If I had blindly complied with their request to set up another $1 SO would that have doubled my payments to £2 a month? If so that's bloody naughty XD And IF SO people who have their token payment plans reviewed when paying SO payments should check before completing a new one.