Got myself in a right mess now. Number given was a switchboard. When I finally got through,told that the letter sent had advised that they did not hold any info beyond 6 years. i told the man that I shouldnt have to explain myself to him but basiically, the SAR had requested for all documentations on the account not limited to a specific time period. He then said I should write in again explaining that the information sent was insufficient. Writing the letter now.

UPDATE ON SAR SENT TO HSBC I recieved a phone call from HSBC confirming that they had recieved my SAR and wanted to know what I needed the information for. I told them that I wanted to have some records of the accounts I held with them and more importantly when the accounts were opened (credit cards and loans) the gentleman said that they could supply that information at no cost to me and that my postal order would be returned. Two days ago I received a letter stating that they no longer had a copy of my signed agreement (credit card) but they enclosed a copy of the terms and conditions of the card that I had taken out at the time and on their letter it stated that the credit card was taken out in 1994. I have kept the account up to date until 2006, when I had to go on a DMP due to personal reasons but this is still being paid. I have not recieved the postal order neither have I received any details of the 2 loans that I took out. What should I do now. please help, if there is any chance that I could claim something back then it will be worth chasing up or I should put it down to just my luck.

DMP is with the CCCS so not fee paying, I will find HSBC's data compliance address and send SAR, once received I will let you know what I find before going further with complaint. Thanks heaps for all the help.

Thank you for that. I just have one more question (for now!), where do I send the letter to? Is it the complaint section of the bank or to their registered office? thanks

On the questionnaire sent to me by the bank. I mentioned the two loans and the credit card reference numbers together, which was more than 8 weeks ago but not clear whether the credit card was overlooked as there was no mention of it in their response. However, I feel that I need to tread carefully considering I hardly have any documentary evidence to date as I currently have a DMP in place which has been running since 2006. Also the bank has only offered to refund the paid premium of one of the loans and not the other. A lot of questions are going through my head and I do apologise for bombarding you with my numerous questions but before I go any further, should I ask the bank for details of both loans and credit card details if necessary sending them a £10 fee? Also as the loans and credit card are two different aspects will I have to send separate fees for these? I am ever so grateful for your generous and quick advice to my thread. thank you

thank you for this information but could you please help clarify a few things which I need to do. Should I still contact HSBC even though they have issued their final decision letter? Also, there was no mention of the credit card PPI, should I ask for details of this and deal with this separately? thank you for your prompt responses.

the reason I gave were that I don't remember it being explained to me at the time and also that I was a student at the time so not sure it was appropriate for me but the date given for when I took out the loan shows that I had already left full time education so I think I have made a serious mistake there

I initially sent off a standard letter to HSBC explaining that I wanted to make a complaint about the misspelling of PPI on my loan and I got a letter back with the PPI reference numbers of two loans (I thought I only had one loan with them but then remembered that I have taken one out previously, paid that off then got another one) with a questionnaire. I completed the questionnaire to the best of my ability as I hardly have any information of the loans now and I also mentioned that I have a credit card with them although I don't know the PPI reference number to that. A few days ago I got this response (in summary) ......having taken the opportunity to review the records we hold in relation to this matter, unfortunately I am unable to support your complaint. Our records show that in xxxxxxx you applied for an unsecured Personal Loan. The monthly payments included an optional Personal Loan Protection plan which is designed to repay your monthly loan repayments in the event of sickness, accident or redundancy. It goes on to say that I received a product information pack which confirmed that the plan was optional and I had a period of 30 day in which I could have cancelled so they believe that adequate steps had been taken to make me aware of the PPI on my loan. In regards to the second loan.....while I do not agree with the points you made and will not be upholding your complaint, I am conscious that the premiums you paid totals £342.32........ I am prepared to offer to refund this premium as a gesture of goodwill.........as I am offering to refund the premium it is not my intention to respond specifically to the individual issues raised. Nothing was mentioned about my credit card but the last paragraph states that .......this is our final decision letter. if you remain dissatisfied you have the right to refer this matter to the fos .Is it too late to do what I should have done first and request for a SAR? I am still none the wiser as to the details of the loans and when I actually took out the credit card which is more than ten years ago. Things are just quite tight and depressing at the moment but I have this sinking feeling that this is going to be a long drawn battle.

Final decision letter - HSBC/PPII have been going round this site for about an hour trying to send a new post to the PPI section but I am clearly way behind with the internet, please forgive me. I initially sent off a standard letter to HSBC explaining that I wanted to make a complaint about the misspelling of PPI on my loan and I got a letter back with the PPI reference numbers of two loans (I thought I only had one loan with them but then remembered that I have taken one out previously, paid that off then got another one) with a questionnaire. I completed the questionnaire to the best of my ability as I hardly have any information of the loans now and I also mentioned that I have a credit card with them although I don't know the PPI reference number to that. A few days ago I got this response (in summary) ......having taken the opportunity to review the records we hold in relation to this matter, unfortunately I am unable to support your complaint. Our records show that in xxxxxxx you applied for an unsecured Personal Loan. The monthly payments included an optional Personal Loan Protection plan which is designed to repay your monthly loan repayments in the event of sickness, accident or redundancy. It goes on to say that I received a product information pack which confirmed that the plan was optional and I had a period of 30 day in which I could have cancelled so they believe that adequate steps had been taken to make me aware of the PPI on my loan. In regards to the second loan.....while I do not agree with the points you made and will not be upholding your complaint, I am conscious that the premiums you paid totals £342.32........I am prepared to offer to refund this premium as a gesture of goodwill.........as I am offering to refund the premium it is not my intention to respond specifically to the individual issues raised. Nothing was mentioned about my credit card but the last paragraph states that .......this is our final decision letter. if you remain dissatisfied you have the right to refer this matter to the FOS.Is it too late to do what I should have done first and request for a SAR? I am still none the wiser as to the details of the loans and when I actually took out the credit card which is more than ten years ago. Things are just quite tight and depressing at the moment but I have this sinking feeling that this is going to be a long drawn battle.

thank you for that, I will look into it and start the process, advice much appreciated. thanks again

I am not sure if there are any default or penalty charges on any of the debts but the interest charges have been stopped on all of the debts. I took out a loan with HSBC and sainsburys bank which I am still paying through this DMP. I am considering the PPI claim route for both, but still hesitating as I am still paying the loan off so I don't know if I will have any claim with them. moreover, I no longer have the original agreements for both of these. I am in such a mess.

I am new to this site so apologies if I have posted to the wrong thread. I really need some advice as to where to go from here. I had around £60,000 in debts on credit cards and loans, which I have been paying off through a DMP with CCCS for the past 6 years. during this period. I had to leave my job due to distance and hours (worked in London, lived in Kent but initially reduced my hours to enable me get back in time to pick children up from after school, but the benefit people wouldn't cover my childcare expenses because the hours worked were under the threshold to qualify). My partner works and covers the bills and mortgage payments each month. we both claim working tax credit but as this is a joint claim, I put the figure of the whole claim as my income on my DMP. They (CCCS) asked me to include my partner's financial details on the claim, but I refused as the debts were incurred before I met him so debts are solely in my name and he does not want to be a part of it. I have tried explaining to CCCS that I am just on benefits and it is just a struggle to continue with the current arrangement but they have implied that the only option is bankruptcy. I have paid around £25,000 to date and have about £35,000 left. It is estimated that I probably will still be paying this off for the next 20 years. The mortgage is in my partners name and I don't have any assets. The company that my hubby works for are due to relocate in a couple of months meaning that he will soon be out of a job although he is actively looking for work. I really don't know what to do, any advice will be appreciated. Thanks