Yes trying to convince the regulators that they have acted properly towards their clients makes some sense however this means they have records going back over a decade, I bet they turned down lots of PPI saying their records only go back a little while bla bla bla. Anyone who had a claim turned down on those grounds should go to the regulator and accuse HSBC of telling porkies!! perjury is a criminal offence i believe . As I said earlier No Father Christmas!! he has been arrested for crossing from tier 3 to tier 4 without reasonable excuse!!