Hello again, I have just received an offer from HSBC that, coming close to christmas, i am pretty happy to accept. They have offered (without any admission of liability, of course) to repay the outstanding balance of £1,750.20 and refund me £1,492.60. Thanks for all of your help, i glad i came here and took your advice. Merry Xmas to all.

Hello Alan, Thanks ever so much for your response, it was exactly what i was looking for. I have gone with your revisions and put the two letters in the post. I knew i really should be adopting a more forceful approach with them but, i'm not the best when it comes to getting the words onto paper. Your help is all much appreciated, will keep you informed.

Hello again, Well i finally received a parcel from HSBC. It left their offices bang on 40 days after my request but DHL were a pain the rear in delivering the parcel (another story). The parcel contains a lot of garbage, all of my credit card statements, some system information and the odd email or two but absolutely no details of my loans and their insurance policies what so ever. I'm really annoyed at their obvious delaying tactics, however i realise i must persist in finding everything they hold on me. Despite this i am keen to get the ball rolling as i believe i have the figures i am looking for here. I have prepared two more letters to them, do you mind checking them before i send them? Please point out anything i may have missed or suggest anything you think should added/removed, etc. Letter 1 - To the named individual dealing with my data request @ Southend-on-sea address Thank you for the data that you sent to me on Thursday 1st October 2009 with regards to my provision of personal data under Section 7 of the Data Protection Act 1998. Unfortunately the parcel does not contain any information relating to the two loan agreements (Current loan account 1234567890 & previous loan account 1234567890) and their respective Personal Protection Insurance policies and relevant documents. Please can you provide all of the information you hold on these two accounts and their insurance policies. Letter 2 - To Complaints Manager, Service Quality Team - Leeds address Dear Sir/Madam, Re: Single Premium Policy Payment Protection Insurance for Current loan account 1234567890 & previous loan account 1234567890 I purchased payment protection insurance policies from you on 20th October 2005 and 29th November 2003 respectively in connection with the loan accounts referenced above. I believe that I was mis-sold both of these policies for the reasons given below, and wish you to investigate my complaint according to your normal complaint procedures. … I was led to believe that if I did not take out the insurance policies I was less likely to have the loans approved. … It was not made aware to me that I could purchase insurnance for these policies from somewhere else and I was not given any details of any comparitive insurance. … I felt pressurised by the seller to take out the insurance on both occasions. If my complaint is upheld I require a refund of all premiums paid to the policies, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money. Please now investigate my complaint within the eight weeks allowed to you. Look forward to your response and thanks in anticipation.

many thanks pf, i'll have that sent off on monday.

Oh dear... I've just had a letter from them... Further to your recent request, we have pleasure in enclosing the list of standing orders and/or direct debits held on your account. blahh blahh blahh.. I asked for everything and they have the cheek to send me this? Too right they have pleasure in accepting my £10 to provide me with this.... robbing sods.. I've had a look but can't see anything specific, is there a template i can use to go back to them again?

Yes i do realise i won't have any cover. I'm looking into seperate loan/credit card unemployment cover. I'm pretty damn sure it'll be cheaper than the rubbish i'm currently being served up. Thanks.

Thanks for the reply and advice pompey, much appreciated. I have started the ball rolling this morning and i've edited, printed out and sent an SAR to the HSBC service quality team at their Leeds address via recorded delivery, with a £10 postal order. I tried to view all of my credit card statements online but they are only showing access to the last six months worth. I guess i'll have to wait for the returns from the SAR to check them further. I had been thinking about starting a DMP to try and resolve my immediate short-fall but i'm now going to hold off and sit tight until i have a better idea of any potential claims i could have for mis-sold PPI as at first glance it appears to be anywhere between 50 & 75% of my current outstanding amounts. One more question, to save myself £40 this next month - can i ring them and try and cancel the ccpr on my credit card immediately and then still make a claim for mis-selling once i have all of the relevant information? Thanks once again.

Hello everyone. Another forum newbie here – Please point me in the correct direction if I am in the wrong place. I believe I have been mis-sold SPP PPI on my HSBC personal loan and I’m also now aware that I am being charged CCPR on my HSBC Mastercard. I was only alerted to this yesterday when speaking to a company called Chase Saunders about a debt management plan. They are quoting me an initial £50 to look at my claim but after doing a bit of research and finding this forum I am reluctant to hand over my money when I could possibly do it myself (with a little friendly help) I have read many threads on this forum over the last 48 hours and am very grateful for all of the information I have got so far and I would like to apologise for the length of the post and thank you all in advance for any further help you can offer me. This is my story: Firstly, I originally opened an account with HSBC in 2003 and took out a loan in order to close an account that I had defaulted on with Barclays. The Barclays default was actually caused by them adding ridiculous charges to a small overdraft (and my naivety and ignorance). I have pretty much wrote this one off, as it was so long ago and I don’t have any documentation relating to it, much less much of a memory of it. The loan I took out in November 03 with HSBC was for £3500 at an APR of 14.9% (charge for credit of £1088.36) totalling £4588.36. On top of this I was given a loan for PPI £700.0 plus £217.67 interest, totalling £917.67. I don’t remember asking for this PPI, I certainly was not offered any alternatives to it and was not offered the loan without taking PPI. I do however have a copy of a form I have signed titled ‘Insurance sales acknowledgment slip’ which says that I have received a copy of the brochure, had the essential features explained and that I understood them. As I mentioned before, I was young naive and really wasn’t sure of what I was signing up to. Now onto my most recent loan. – Two years later (almost to the day) I ran into more financial difficulties and went into HSBC to re-negotiate the loan and reconsolidate. This time the details (60 months) were: Amount of loan: £7,500,00 PPI: £1,770,00 Total Loan: £9,270,00 11.9% interest rate Loan interest: £2,350,88 PPI interest: £554,80 Total interest: £2,905,68 I have various policy documents explaining the PPI and also one supporting the fact that they explained some of it to me. What they didn’t explain to me was that I could take out PPI somewhere else and they certainly did not ask if I had any pre-existing medical conditions that may prevent me from claiming (I had been diagnosed with depression a few years ago). I was also under the impression that if I didn’t take the PPI I would not be offered the loan. Now, I am very concerned that the fact I have signed these documents will mean I’m unable to do anything about it? The loan currently has £3043,95 left on it which is 15 months. I also have a HSBC mastercard with a £3000,00 limit of which £2979,28 is outstanding (APR of 21.9%). I am being charged 79p per £100 on the balance for ‘insurance premium’. I was originally given the card with a £1000 limit on it and they increased it without informing me up to the £3000 and I certainly do not ever remember asking to take out or signing anything to take out insurance for this. The reason all of this has come about is, I went to HSBC yesterday to try and consolidate the credit card and loan (and my £400 overdraft) but was refused a new loan. My questions to you are: Do I have a case for reclaiming the PPI on the first and/or second loan? Do the fact I have signed documents detailing that they have explained some aspects of the PPI to me have any effect? Is there something I can do to reclaim the CPPR on the credit card? From what I have read the first step is to ask for a SAR from HSBC. Is this right and is it worth it given that I have a lot of the agreements here in front of me? Help, I’m confused, what can I do next? Feel free to ask if there is something I’ve not explained properly or is unclear. Many Thanks.