oh i see that's trying to read too fast so i can keep up! sorry if i knew how to delete it i would x

Well you have managed to do it it only took one day . Google in Lyons Davidson now & it is top of the list(i do hope ive got the right company its head office is in bristol isnt it? got a wee bit confused sorry) but anyhow there it is & they even named this certain college in their plymouth department aint that nice of them all best buddies by the looks of it Plymouth provides a strong educational offer with the renowned Plymouth College of Art and Design, how sweet it goes to show how much of a cr*p firm they are, they still have the colleges name wrong & they are hired by them ???? says everything really doesnt it

hi thanks for your replies im going to go for the full data protection act SAR letter(cheers Pete) so in the long run I will have everything I will need to claim anything I can back. I am definitely going to claim back the ppi which we have been paying for the last 5 years & 2 months. I think I have got a good case for that as I have an old back injury (broke it when I was 15) and they never asked if I had any passed accidents /injuries & I can almost guarantee that this wouldn’t have been covered in the ppi. Also I have only just found out by reading in this site that you can buy ppi insurance from any other company if its a better deal than having to take their own insurance out. Now that’s a bit of info they keep to themselves! VVB that’s what we were told, that we could pay the loan back early but when we were sat in the office at the bank the young lass said we weren't allowed, they are nothing but a load of new age high way men but paying all that money into their own big fat pockets & not giving it back to the poor. Well I am going to try to take them for everything I can get away with and on that note does anybody know of a decent honest bank out there or does one exist & please don’t say the Halifax as I have dealt with them in the passed & I think they are one of the worst lol:p

It has took me most of the day to read all of this & I will admit most of the jargon did go over my head. All the work that everybody has put in is phenomenal even to the point I have been talking to the pc most of the day with comments (of unbelievable & an awful lot of explanative) well done to you all its just a shame it has been set back another 2 months as don’t think I can wait that long to find out what happens toLyons-Davidson and Royal Sun Alliance well done again :D

Hi im new here & i would like some info on what the hsbc bank is doing/not doing for me. Its a bit long winded so pls bare with me. Anyhow received a phone call at work (yes from HSBC call center) asking for me by name, luckily it was me who answered they asked if i would like a bank loan ummed & arhed about for a few days & hubby & me finally decided yes do up the house. went to the bank sorted it all out including ppi insurance(not knowing i could shop else where at the time to get it cheaper but i do now) Well 2 and a half years ago we sold our old property for a bigger one got a good return & wanted to pay off our loan (which we were told we could but with a payment penaty & we were entitled to 2 payment hols too very nice man) so went to bank had good many ££££'s in the bank wanted to pay off loan told no we cant do this. We can restruct or pay of a little lump sum but not pay it off. Well that extra £307.00 a month we were paying was going towards our new mortgage. so as times were ok and hubby doing plenty of hrs not to worry. well the credit crunch comes along hubby looses upto if not more than 20 hrs a week around £140.00 a week. bank cancells DD of mortgage we are hugely over drawn but they wouldnt think of cancelling the loan DD. Nearly loose house but manage to keep it anyhow. I am now so P**sed off with the HSBC at the moment tried to take Payment holiday told we are only allowed 1 in january but then it classes as a default. tried to ask them to just put a hold on the loan just for one month thats all i was asking 1 poxy month nope no can do. Every single hurdle i come to, to try to get ourselves out of finacial difficulty the bank is knocking us back @ every hurdle. & as for charges they have had over £500.00 so far so i complained & they re-imbursed me a poxy £75.00 where am i going wrong. Even to the point of ringing the bank today asking exactly how many months was left to pay back they were very cagey saying you have 20 months left (this is a seven year loan interest rate hasnt changed on it either which i think is very strange) asked how much we actually took out again only told that the overall figure we have to pay back is £19350.00 i think it was a 12,000 grand loan. Is it just me or are we being treated as a pair of numpties Any info would be great And sorry about the length of the post Em