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Thanks I had read loads of the site but not come across the step by step guide.

LOL The tragic thing is that i have read the FAQ's and looked through the forum for days. Unfortunatly the way it is set out has got me completely confused. There is no simple step by step process. For instance i have read all about the Data protection act and the letter that you send and how to find out where to send it. But what if you already know how much money they owe you. Do i need to waste another £10? Then the letter asking for the money back where do i send it? I have seen people quoting address's or do i just send it to a central complaints address for my bank hsbc. I kno

The payment protection is a separate service, but is normal sold within a package. I know for a fact the way egg work is they offer you a package always with the payment protection included. Once you take out the loan all you do is write to the address and get the payment protection cancelled. I hate payment protection as two of my credit cards have had it on for years while i was very bad with my credit and i have worked out i have payed thousands. Sometimes when you sign up to the loan you get a sepparate letter from the payment protection company with something like,'you have 7 d

I am about to put in a claim to HSBC for £750 worth of charges that i have worked out from my online statements. For the amount of money do people think i should put in a request through the cata protection act? I want to hear from people who have been successful getting money out of HSBC and who were their contacts? Who do i send these letters to? Will it make any difference? Also a little Confused but i have a HSBC credit card as well can I get the data protection info at the same time? or do i have to do different requests? do i have to send the letters to different places? So

You can take the loan out and then you can cancel the payment protection at a later date. Loan companies make huge amounts of cash through payment protection so they do offer you a lower apr with the protection. But my advice is to find out the address that you need to write to, it will always be an address as they want to make it as hard as possible to do it. There are then many companies on the internet that will give you independant payment protection at a fraction of the cost. I reduced mine from £60 down to £6. So its definatly worth checking out.