who is the FOS ? and would the claims company im dealing with now set out my finacial situation to the lender or is this something i need to do myself ? sorry for so many questions

there is no charge unless i accept the offer. which i dont think i will be as i most certinaly dont have the 2k to pay them. What would you class as finacial hardship in order to be able to disputing the ''setoff' and would i be able to reclaim but do it myself this time ?

i didnt think i was allowed to do that! but will surely look into it. sp what would your advice be to do with th ppi? i suppose there is nothing i can do if they want to pay it against my oustanding debt ? Would i be able to make a claim again but cut put the middle man. I wouldnt mind so much and would accept the 6k if i then didnt have to pay an additional 2k to someone else.

No i haven't received a statement for a very long time. i just seen on that website u gave me that the debt is reducing. and i have been paying a company called moorcroft.

it actually ssays im paying HSBC the debt so i suppose i cannot dispute the set off and if i accept the offer id in addition have to pay the 2k to the company ive gone through

Can the bank keep my PPI money?? *** WON **** Hi, I have made a successful claim against HSBC group for PPI charged to me on three loans Loan 1 was settled (PPI Charged) Loan 2 was settled (PPI Charged) Loan 3 fell into arrears and still has money outstanding but is being paid off monthly via a debt agency im sure the debt was sold on ( not sure how to find this out for definate ) the company i used are stating in their letter tht if i agree to the settlement of 6149 that it will be taken off the the outstanding balance from loan 3 , so i presume that they are saying that the ppi money owed to me for loan 1 and 2 will not be paid to me and in fact ppi money owed for loans 1, 2 and 3 will go towards paying off the oustanding debt of Loan 3 Is this correct? Loans 1 and 2 were seperate to loan 3.. Slightly confused but advise would be appreciated. Thanks