I have the terms and conditions here too. It was never explained how much the actual total would be or that interest would be added, I was never told of any exclusions. Also I was never told that I could have this PPI privately. I was just asked if I wanted it to help my loan application and it would cover me if I was off work ill.

I thought that settling the loan 3yrs early I would get some sort of refund. Also I never actually handled the loan over the phone, it was in my local branch. I was having trouble getting the loan, even though I'd not missed any payments on my original one, therefore I was told that if I took out the PPI then I could have the loan (I was told to take PPI on the original loan as it was over a certain amount and would ensure it would go through). I've also still got the copies of both agreements that I signed, should I still send off for an S.A.R?

I am new to this and wondering if anyone can give me any advice. I took a loan out with HSBC in April 2004, the PPI on this was £6690. In March 2007 I paid off that loan with another loan fron HSBC for which the PPI is £5098. I never got a refund from the first loan's PPI and on both occasions I was told by the bank that I could only have these loans if I took out the PPI. I now feel I was mis sold PPI and would I be eligable to claim this back? How would I go about claiming it back? How will it affect the laon I have taken out now? Any help would be gratefully recieved. Thank you.

I am new to this and wondering if anyone can give me any advice. I took a loan out with HSBC in April 2004, the PPI on this was £6690. In March 2007 I paid off that loan with another loan fron HSBC for which the PPI is £5098. I never got a refund from the first loan's PPI and on both occasions I was told by the bank that I could only have these loans if I took out the PPI. I now feel I was mis sold PPI and would I be eligable to claim this back? How would I go about claiming it back? How will it affect the laon I have taken out now? Any help would be gratefully recieved. Thank you.

I am new to this and wondering if anyone can give me any advice. I took a loan out with HSBC in April 2004, the PPI on this was £6690. In March 2007 I paid off that loan with another loan fron HSBC for which the PPI is £5098. I never got a refund from the first loan's PPI and on both occasions I was told by the bank that I could only have these loans if I took out the PPI. I now feel I was mis sold PPI and would I be eligable to claim this back? How would I go about claiming it back? How will it affect the laon I have taken out now? Any help would be gratefully recieved. Thank you.