Hi Mikes Mum I am having a similar issue with the hideous company. Slightly different i took out an unsecured loan in 2005 and was told that that the PPI was a condition of the loan. I am in the process of claiming this back with the help of this website. The company will try and bully you in to submission but stick to your guns and keep fighting. I have had several letters ignored by them and the staff are so rude. I have 1k left on my account which I am refusing to pay until this PPI + interest is removed which will be more that the 1k outstanding balance. I am now being contacted by some company called ACI who are threatening me with court action which i hope they do and we can get this sorted once and for all. Keep trying don't let these cowboys win!!

Good Luck Claire my LBA date runs out on friday and I have heard nothing from HSBC I am going to claim however have the same fear as you that I'll be the one they will test it out on. Keep us posted. Lynsey