Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. 2nd June 2008 12:29 #1
    bb23 bb23 is offline
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    Default Hsbc Ppi Confused!!!!!

    This has confused me, i just found it on my old statements

    does it mean i can claim £2268? (this is August 2003- the year BEFORE i had to take my managed loan)


    16 Aug CR LOAN CAPITAL in 12260.00

    16 Aug DR LOAN PROTECTION out 2268.27

    16 Aug DR LOAN REPAYMENT A/C in 12466.84

    16 Aug CR LOAN PROTECTION out 2268.27

    16 Aug DR LOAN REPAYMENT A/C out 914.42

    18 Aug CR LOAN CAPITAL in 12260.00

    18 Aug DR LOAN PROTECTION out 2268.27


    Similar Threads:
    HSBC charges WON (april 07): £1,103.00
    HSBC PPI WON!!! (July 2008): £1,166.00
    HFC PPI WON!!! (August 2008) £2,100
    March 09: failed the fight to write off HSBC Managed Loan due to non compliance of SAR! after they finally produced my signed loan!
    August 10: Fighting TBI for disputed account due to the fact they can't produce my signed loan copy.
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  2. 2nd June 2008 14:49 #2
    freakyleaky freakyleaky is offline
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    Default Re: Hsbc Ppi Confused!!!!!

    You can only claim PPIicon if it has been mis sold in the first place. Have you checked to see if if you were mis sold?
    Have you actually paid £2268.00 to them for ppi? It looks like it has been taken out of the loan. So if the loan was for 12260.00 and they took out 2268 for ppi then in effect you have paid for the ppi. If it was mis sold you can claim it back. Also any interesticon as a result of the ppi ammount. I am presuming you only wanted a 10,000 loan.

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  3. 2nd June 2008 15:40 #3
    bb23 bb23 is offline
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    Default Re: Hsbc Ppi Confused!!!!!

    Correct, it was a £10,000 loan. I vaguely remember them skirting over how the payments would work and i seem to remember him saying we'll put this on and take it straight off again

    i think he referring to the PPIicon but i've no idea! i was so desperate for the money just to cover some bills that i didnt care what he was doing really!

    HSBC charges WON (april 07): £1,103.00
    HSBC PPI WON!!! (July 2008): £1,166.00
    HFC PPI WON!!! (August 2008) £2,100
    March 09: failed the fight to write off HSBC Managed Loan due to non compliance of SAR! after they finally produced my signed loan!
    August 10: Fighting TBI for disputed account due to the fact they can't produce my signed loan copy.
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  4. 3rd June 2008 00:01 #4
    jasonlewis jasonlewis is offline
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    Default Re: Hsbc Ppi Confused!!!!!

    bb23,

    I have recently successfully claimed against HSBCicon for PPI - you must be sure that you can recall the events of the original visit/phone callicon to the bank, mine as an example was that the loan was agreed and I needed to go in the bank to sign the LOAN agreement. At this stage it was declared that PPI was included, which left me in a bit of a pickle, i asked a few questions and they answered and then I signed. However what I proved to be HSBC's failings were the fact that they never sat me down and discussed my INDIVIDUAL circumstances such as employment, medical history etc. I also did not have time to calculate and digest the additional PPI cover that was added to the loan, and the fact HSBC were making an abundant amount of profit out of this. However at the time I need to sign as it was for a car which I agreed to collect following my agreement in principle. If you point out to them why you think you were missold the PPI cover then you have a strong chance!

    Good luck!

    Hedgepog

    A&L Claim SETTLED IN FULL 16/09/06
    HSBC -Claim settled in full 26th Oct 06.
    HSBC PPI - Premium settled in full 1st Jan 08
    HSBC PPI Interest - 1st request for refund issued,due 17th June 08
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE