HSBC - Card Guard, CPP claim

[Elsie911]

Hi All

 

Having spend a bit of time reading some threds this evening, I have been inspired to take on HSBC.

 

When I opened a student account with them in September 1999, I was told I 'may as well' have a credit card - for emergencyies - and that their card protection came with it. I was told I should take it out as I could put all my other cards from other banks on it too. (I remember this bit clearly as my mother wasn't all too keen on sending me off to university with a credit card!!)

 

The policy was annual and they write to tell me when they are taking the next payment. This is always something that I thought I needed as that was what I was told at the outset and I have never thought otherwise....until now!

 

When completed my personal banking this evening, it would seem that I have had my HSBC account upgraded. Reading someone of the perks I get as standard made me think carefully about the annual policy and if there is anypoint to it.

 

Anyway, I have come to the conclusion that I don't.

 

I hope someone will be able to help with with a few questions. Is this the kind of thing that I can claim back? I feel I was mis-sold this policy and the fact that I was only 18 at the time of taking it out, they probably saw a young girl about to leave home for the first time!! What should I do next? I am happy to write to the bank, and have some idea of quotes and things I can put in the letter to let them know I am serious.

 

Can anyone give me any more advice? Have I got a claim or not?

 

Many thanks

[dx100uk]

yes you can reclaim it but through CPP

 

have moved you to the CPP forum.

 

click the blue CPP group plc up top in blue

 

and have a read

 

dx

[Elsie911]

Many thanks

 

Will have a look for the CPP group now! Really appreciate your help

 

Elsie

[Elsie911]

Does anyone else have any advice? I am really looking for a starting point on this one.

 

Many thanks

[dx100uk]

read the yellow stickies

 

and other peoples threads esp martin3030

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc you are in this forum already

 

dx

[Elsie911]

Thanks so much! I have had a read and written a letter. I have explained in the letter that the customer service advisor failed to explain the policy to me and consider if it was in my best interests etc etc. I have also put that I was made to feelt that I had to have the policy - I hope it is enough.

 

Should I just given them 14 days to respond? I feel that I need some offical jargon to put at the end about what would happen should they fail to respond - do you have any ideas or phases?

 

really appreciate your help - I really have no idea if I am doing the right thing!!

 

Elsie

[dx100uk]

8 weeks sadly.

 

dx

[villageidiot]

Actually cancelled my CPP back in 2007 but got a letter through the post so filled it in using one of the many "advice posts" on here. Just banked a cheque for £83.09

My girlfriend had hers returned so again used one of the "advice posts" on here and got a cheque for £209 BONUS.

Many thanks to all who posted great info.