I've just realised that I've probably been getting these charges for a long time. This latest one has seen them strip £153 from my account. How do I go about claiming this money back? I should point out that I specifically asked for no over-draught when I signed up for the account around 6 years ago. I think I may have had this happen a few times over the years and simply not noticed. Thanks in advance for any help.

I have discovered that the bank loan I took out is neither secured nor sold to me for the purpose intended. This was done in 2006. Can anyone tell me if this debt becomes void after six years?

Hi, Ok I have sent off my SAR but in the meantime I have found a load of old statements with charges and PPI on. The PPI they just randomly decided to add once month and kept charging me until I complained and asked for my money back which they denied me. So out of the four spreadsheets, which one do I use to calculate my claim? Its a cc with some late charges and PPI going back to 2003/2004.

If anyone can help with the following it would be most welcome - I have a deadline for this of the 30th September 2014. I will keep it as brief as possible.... I have had a HSBC credit card for ~ 7 years with a balance of £1,950. During this time I kept up with monthly repayments of ~ £50 a month. 18 months ago I entered a bout of ill-health which culminated in me having to resign from my job. I went on to benefits which gave me enough to live on but not enough to keep up with the card payments. I informed HSBC and they transferred my account to the specialist team (due to ill health). After 7 months they informed me that the account would soon default. I was informed that I could make a partial settlement for some of the balance. I researched partial settlements and got the impression that they were a bad idea - that the remainder of the debt was often sold on leading to pursuit from a third party, and that you needed it in writing that it was a "full and final settlement". I made an offer of £400 for a F&F settlement using a letter template from a debt advice website (my Dad and sister agreed to help me out as much as they could financially because they didn't want DCA's knocking on my door whilst I was suffering with ill-health). The offer was accepted, but the letter does not state that the settlement is full and final. I have rung numerous times requesting it be F&F and they always say that is not possible because the full amount isn't being paid. Today I rang Stepchange, the Financial Ombudsman, the Financial Conduct Authority and the Money Advice Service and read the letter out to them. None could give me much advice except for the FCA who said whilst listening they were looking for the words "cancelled" and "zero balance". I rang HSBC asking if I could have a letter with those words in but they said they only send out standard letter templates, not tailored letters. The FCA also said to ask what happens to the remaining debt. HSBC said it goes to an internal bad debt department where it sits (for how long??) but that it is no longer associated with your name. I don't understand; if the debt is written off, why can't I have it in writing that there will be a "zero balance". If the balance isn't zero then doesn't the debt still exist? Here is the letter: Dear Mr. Dean We write in reference to your phonecall with us today. We are prepared to accept the following: Credit Card: XXXXXXXXXXXXXXXX Payment Amount: £400 This agreement is on the basis that the funds are received and cleared into your HSBC account within 14 days from the date of this letter. Providing funds are received by the above date, your account will be closed and you will be released from all liability in respect of this account preventing further action being taken. Please note that in view of the fact that we have agreed to accept a partial repayment of your debt and agreed not to pursue the remaining balance, your credit file which is held with Credit Reference Agencies will be updated accordingly and may affect any future credit applications you make. We trust this is satisfactory. Yours Sincerely Senior Collection Manager To me, it sounds as though the debt really will be written off, and that there is no chance of me being chased either by HSBC or a third party. However numerous forum discussions from around the web state that partial settlements are a bad idea, and you don't know whether you will be pursued further down the line. I don't understand why they are so cagey about saying the debt is written off and that there is a zero balance. According to HSBC, the remaining debt still exists but stays internally in the "bad debt" department. HSBC have said categorically on the phone that they rarely sell on such debts - the operative gave me his name, staff number, and call time / date, and said if there was any issue in the future to ask for a recording of the call. Can anyone provide a final answer to me as to whether I should go through with this settlement? I want to settle this debt once and for all, but at the same time don't want to be taken for a mug - if they end up chasing the rest, what is the point in paying the £400 in the first place? I fully accept that my credit score will be affected - I know that is unavoidable. However my concern is that the debt still exists, that there is still an outstanding balance - HSBC have stated I can call up any time in the next six years and pay the remainder, and restore my credit file accordingly. Surely that means the debt still exists? I am worried that they will somehow find a way of recovering the remainder of the debt. I know people will say - "Ask for F&F settlement" etc. but they categorically refuse to do that because I am not paying the full amount. (NB. The F&F team at Stepchange said they don't get involved with F&F settlements with banks unless the debtor can provide half the amount of what is owed; the current settlement I have with HSBC is just under a quarter). It seems impossible to get anything out of them other than a standard letter - if anyone can guide me as to how to get a letter out of them saying what is needed to ensure this is the end of the matter it would be warmly welcomed. (i.e. what is it that needs to be said, and how do you get them to put it down on paper - they always say they can only send out templates; do you have to speak directly with a manager?). Apologies for the long post - any advice is welcome. Thanks, Charles

Hi Guys The missus has had a summons drop on the mat from Lowell Portfolio and the lovely Bryan Carter. Their claiming on a debt from 2007. My good lady thinks it's a very old loan, which she hasn't paid for well over seven years, but she can't be sure what the debt is from. They also mention a default notice, but she hasn't received anything by post, nor is there anything on her credit file. We'll obviously be defending, but could do with some expert advice on the defence wording. The particulars of the claim are here: "The claimants claim is for the sum of £xxxx.xx being monies due from the defendant to the claimant under an agreement regulated by the Consumer Credit Act 1974 between the defendant and HSBC Bank PLC under account reference xxxxxx/xxxxxxxx and assigned to the claimant on xx/xx/2007 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. The claim includes statutory interest pursuant to S.69 of the County Court Act 1984 at a rate of 8% per annum (a daily rate of £x.xx) from the date of the assignment of the agreement to date but limited to a maximum of one year, amounting to £xx.xx" Many, many thanks in advance

Hello All, Need some advice, I recently SAR'd HSBC, I had a business account in 2002 which was closed in 2003/4 I think and I also had a current account at the same time which ran until 2006. HSBC have sent me my current account transactions but they are only for the period of July 2005 to July 2006. According to the sheets they sent me, the sheets are numbered, the first one is marked at sheet 60 and the last one numbered sheet 84. They haven't sent me the sheets previously. The letter that was sent said and I quote.. "As discussed on the phone, the earliest statements held on our database are mid 2005. Earlier statements have now been purged to ensure we adhere to Data Protection Act 1998 regulations that personal data must not be kept longer than necessary." Also they sent me a "screenshot" of my business account details on a sheet which says "No Statements Found" Additionally they say... "With regards to your business account number xxxx with HSBC, whilst we can still see the account number on our system and that you were a business customer since 2002, any background information has now been deleted. This would mean that the account closed prior to mid 2005. I have enclosed screen prints as confirmation that the data has been deleted" I thought these banks held this kind of data for years, weird seeing that I spoke to RBoS yesterday on the phone and they are sending me my old account statements from 1992 to 2004 !! Are they just deleting peoples account details who send in a SAR so they cant claim back unfair charges and call it "purging their systems" under the pretext of "adhering to the Data Protection Act 1998?" What can I do now? I know I am missing statements and I haven't a clue as to how much or when they were excessively charging me etc??? Wulfen40

Hi, I had a previous bank account (but not old enough to be SB) with HSBC which was overdrawn by a large amount. Negotiations to sort things out with HSBC broke down and I've not heard anything from them for 3 years, and have since moved. I came home yesterday to a claim form (dated 29th August) from MKDP LLP who now appear to own the account. I presume they have traced me, but I have had no prior correspondence from them. The amount claimed is a lot higher than the overdraft was, so will doubtless include countless fees. The particulars of claim are 'The Claimant claims the sum of being monies due from the defendant(s) to under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the claimant on . The defendant(s) account number was . It was a term of the bank account that any debit balance would be repayable in full on demand. The defendant(s) has failed to make payment as required by the demand for payment sent by . The claimant claims the sum of and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction'. No other supporting documents are included, which I suspect is because there aren't any - the overdraft was originally agreed back in 2001 entirely over the phone and I never signed anything or was sent any specific terms before having it. I'm think defend is the way forward as I definitely do not owe the figure claimed, but I don't know what the actual figure should be so I can't really claim partial admission since I don't know how much to admit, which leaves full defence as the only option, and if they don't back down, a full & final settlement offer to try and avoid a CCJ being issued. I understand that section 77 requests are not relevant to an overdraft, but do I have any other rights under the CCA to demand supporting documentation for the claim and would I be able to use failure to supply this as a defence as you can with a failed section 77 request? Some advice on the best way to approach this would be appreciated!

Hi CAG, You lot are so helpful thanks! I had a HSBC account since 2010, I have stopped using it about a month ago, Been through some hard times like us all and worked out since opening have paid over 3k charges, most of then unauthorized overdraft fees, wrote to them in June asking for a refund as I was in financial difficulties, standard answer, tried again listing my reasons, same response, tried the FOS, they advised as they don't have to refund them, they can't uphold my complaint! Can anyone advise, would sueing them be an option? Any suggestions or pointers or is it a lost cause?

Hi Several months ago I started a PPI claim against HSBC Bank. I had a loan with them many years back and also a credit card. I am using a third party claims company and have only heard from them once to say that they had established a claim. Last week they called me and said HSBC had rejected the claim. They said they would send me some forms and were referring the matter to 'the Ombudsman'. They asked if I was working at the time and whether I was full or part time. I told them that I did work when I took out the loan and card and that I worked full time (because although I worked variable hours it was always more than 16 hours per week). Anyone know what might be going on here? Fred

Dear Members After initial assessment, I was told that I meet the criteria for HSBC Premier (salary) but I was advised that I should buy a Protection product. The issue is that they are charging £599+VAT for arranging Protection product Is this normal? the Premier Relationships Manager sent me an email "Please be advised that in order to arrange an Investment or Protection product with me you would be subject to an advice fee which is a minimum of £499 + VAT" I replied that I would not need advice as I would just purchase the protection product. I am waiting for their response The HSBC Premier account would be useful when being overseas and transferring money from different accounts without charge Thanks in advance for your advice

Hi I've been reading here a while and hope someone will be able to advise. I've just been in touch with HSBC about PPI, I have had 2 loans and a credit card in the past and they tell me all three had PPI on them. Back in 2001, fresh out of uni with an outstanding £1500 overdraft and just starting a nursing job with the NHS , I needed cash for a car. I've managed to dig out my paperwork from that loan and wondered if they'd reject a PPI claim with the way it's set out. It does clearly show that the loan and PPI loan are separate amounts, but add the two together at the top of the page as one amount and base the repayments on this total amount. At the bottom it states WE STRONGLY RECOMMEND THAT YOU CONSIDER TAKING OUT OUR LOAN PROTECTION COVER etc.. . but to me that seems to be recommending an additional product, and as I was told st the time, the protection outlined was part of the original loan. And nowhere does it say the protection they quote for is OPTIONAL, and I didn't get any sort of quote without it. Would they reject the claim based on the statement at the bottom of the page, saying We Recommend...etc, and tell me it was clear it was optional? I also have some CC statements from 2002-4. Statements show protection payments, which I would never have agreed to, considering I was a newly qualified nurse with more than adequate sickness cover with the NHS (which would obviously also have been the case with the loan). Being 21 and just in need of some quick cash, I know I probably didn't read the paperwork fully, but also at no time was I asked or it explained to me about these insurances which would have been blindingly obvious I didn't need. I think the CC was arranged over the phone, but I'm not 100% sure on that. So, before I send the paperwork back to them, do you think I have a case? Thanks [ATTACH=CONFIG]52912[/ATTACH][ATTACH=CONFIG]52911[/ATTACH] Loan

I started a company in 2006 with another director, who resigned earlier this year. The company stopped trading in March this year, I am unable to afford the liquidation process. When we started trading we signed a personal guarantee for a 30k overdraft, but later took out a loan to pay 23.5k of the overdraft off a nd then later paid back 5k, leaving a 1.5k overdraft. We are now left with around 8k left owing on the loan, HSBC is demanding prepayment of the full amount of 9.5k, made up of the 1.5k overdraft and the balance of the loan, saying we signed personal guarantees for this loan. We did not sign any guarantee for this loan, only when we first took out an overdraft, but they say the guarantees apply to the loan as well. We were not made aware of this and would not have taken out the loan if we had known. A few years ago they did ask us to sign guarantees again which they sent to us, but we never signed as we did not understand why they wanted them and we never returned them. I do not have the funds to pay this, and I do not want to lose my house, we were told at the time that it would never be used anyway, obviously this was all to get us to sign it. Does anyone know what my options are, now the other director has resigned, this leaves me liable for the whole balance.

Morning Everyone, First of all many thanks for taking the time to read and help me with my problem. A few years ago I had a overdraft with HSBC which I defaulted on. They instructed Moorecroft to collect the debt which I paid back of a 4 year period. I finished paying this late April. I then received a letter from Moorecroft saying the account had been settled and I had actually over paid by £40.00. Moorecroft told me that I would need to contact HSBC to arrange for this money to be returned. I called HSBC who wouldn't speak to me as my account number and telephone banking details are no longer valid. I went into my local branch who advised me to call Moorecroft as they have nothing more to do with me. Moorecroft said the same. I emailed both HSBC and Moorecroft on the 17th June asking who was responsible for paying me back. I only received a response from Moorecroft saying it was HSBC's responsibility. To this date I have still not received any response from HSBC. What would be my next course of action? I would really like to start charging them interest for not paying me back like they did me. I know it's not large amount of money but its the principle that they hassled I'd like them to know how it feels Any help would be very helpful.

Hi there, I would like just to ask what to do now. I am from the Czech Republic and was in Bideford, Devon, England last July 2013 and because of my temporary job I opened a basic bank account in HSBC there… Several days ago, I received a letter (not an e-mail) from the branch that due to inactivity my bank account will have been suspended on 7 August 2014. I haven't had the Internet Banking, I only have had my debit card. I came from my holiday and found the letter in the box on 5 August... Great! I contacted the branch here in the Czech Republic, but they sent me just an information, that they do only business accounts and could not help me. It is not possible for me to visit England now and it is very expensive to call to the UK. I just wanted to have this bank account for my next trips to the UK, and I said that at the branch in Bideford and the lady told me that it is not a problem, so we opened only the basic account for this reason. I was confused by the letter they sent me. Is it possible to leave my account suspended (frozen) until I go back to the UK? When I come to England again I would go to the nearest branch of HSBC and I would activate my bank account. I tried to search the internet, I even contacted HSBC via their contact form, but after I sent it it said "we cannot guarantee a response to all messages". How come? I hope you know more, thanks a lot! Aleš

Had a call on my mobile today asking for my partner (as it is her phone really) purporting to come from HSBC. The number displayed as only '207335'. Asian sounding lady would not discuss anything with me. Anyone else had such a call? Fred

Hi, Making a fairly desperate request for help as now find myself at a loss as the way (best way) to proceed. I have received a claim form for a CCJ out of Northampton County Court by Bryan Carter Solicitors and am now at a complete loss as how to proceed with a defence. The claimant is Lowell Portofolio Date of Issue was 8 July and I acknowledged on the 22 July with intention to defend in full and this was received on 23 July so I believe have until 9 August to submit my defence (33 days after the date of issue)? The Particulars of the claim are: This claim is for 4790. The Amount due under an agreement between the original creditor and the defendant to provide finance &/ or service &/ or goods. This debt was assigned to / purchased by Lowell Portfolio on 06/01/2012 and noticed served pursuant to the law of property act 1925. Particulars: HSBC Bank PLC Acc no ******/88888888 And the claimant claims 4900 The claim also claim interest pursuant to S69 county court act 1984 from 06/01/2012 to date at 8% per annum amounting to 975 (Including court fee and solicitors costs it comes to total of 6400) I believe the claim is for an overdraft/current account Account was assigned and the debt purchaser has issued the claim. I did not receive the notice of assignment as I moved out of my old flat on 31 May 2012 the day before the debt was assigned, then moved to a friends house for 2 weeks before going on to another flat which was to going to be another short term let but ended up staying there for 6 months but did not register that address as it was always going to be a short term stay as landlord was selling the flat (but took them longer than they thought). I have no idea if I received a default notice. But I have not received statuary notice of default sums at least once a year. I ceased payments as I was unemployed and in a lot of financial trouble and was considering declaring bankruptcy but instead opened a safe bank account in 2008 - (I'm not sure of the exact date so do not know exactly when in 2008 I stopped using my HSBC account). I didn't communcate financial problems to the original creditor and didn't make any attempt to enter in a debt management plan instead opened the safe account whilst I found out what my options were re bankruptcy. I sent a CPR31.14 request after acknowledging the claim to Bryan Carter and received what I believe is there standard issue reply stating that it is a simple contractual matter and that in any event the Notices of default and assignment left the control of the claimant when they were dispatched to you - and asking me to refer to my own records and that they are not agreeable to to an extension in filing the defence. But now I am unsure how to proceed with my own defence - I am not sure exactly what the debt is for as my overdraft I think was 1000-1500 and so am uncertain how this has risen to 4900 and whether this includes any other HSBC debt such as credit card? (I had a HSBC credit card I had stopped using by 2008). I'm not sure whether to use what people seem to refer to as an embarrassed defence? Or I'm not sure whether the debt is statute barred as I'm not sure exactly when in 2008 I stopped using the account and from reading the forums it seems to be complex as to when the date starts for a current account to be considered statute barred. Any advice of options of how to proceed would be gratefully received as obviously the time to submit my claim is rapidly approaching, depression is kicking in and I'm very confused as to what the best step to take next is. Many thanks in advance if you have any advice or suggestions

HSBC is expecting to pay back $367m (£218m) of interest payments to some UK customers owing to mistakes in paperwork for personal loans. The bank has admitted to failing to include information in annual statements relating to the option for customers to make overpayments. This is required in the UK under the Consumer Credit Act. The bank outlined the provision in its results for the first half of 2014, but suggested no customers had lost out. A spokesman for the bank said there had been "no financial detriment" suffered by customers as a result of the error. Omission Under the rules, banks must explain to loan customers that they can make overpayments or partial overpayments on top of their regular repayments. HSBC included this in the initial paperwork when customers took out a loan. But the bank has admitted that when it sent annual statements, reviewing the latest status of loans, these details were omitted. A spokesman said that the error went back a couple of years, but had now been corrected. HSBC says it will be contacting all affected customers http://www.bbc.co.uk/news/business-28639103

Hi, I am a little confused about something and was hoping someone can help. I have been on a dmp for the last few years and one of my debts was an hsbc credit card. As far as I am aware the debt was sold to brittanic recoveries and then being serviced by Moorgate along with another of my debts (MBNA). However, today my HSBC debit card was declined and I was locked out of internet banking. I called HSBC and they said it was related to my credit card account but that department was closed. After insisting on an answer I was told that the accoiunt was frozen and funds allocated to my cc debt. My question is are they allowed to do this if the debt has been sold to someone else? Seems a little odd to me. Thanks Tim

I have received 3 claims for MKDP llp. I will post them up separately. I really need some help with this and I am terribly worried about it. I have no idea what I am doing, but I must defend this fully. Any help would be appreciated greatly. Name of the Claimant - MKDP llp originally HSBC Date of issue 24/07/2014 Date of issue 24/07/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = 11/08/2014 + 14 days to submit defence = 25/08/2014 (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims the sum of £1xxx being monies due from the defendants to HSBC bank plc under a bank account facility regulated buy the consumer credit act 1974 and assigned to the claimant on 08/12/2011. The defendant account number was xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendants has failed to make payment as required by the statutory default notice served by HSBC Bank plc. Tha claimant has complied, as far as is nessarary, with the pre-action conduct practice direction. What is the value of the claim? 1200 Is the claim for a current or credit/loan account or mobile phone account? Bank account When did you enter into the original agreement before or after 2007? 29/11/2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchased from HSBC by MKDP llp 08/12/2011 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Cant remember, but the apparent default date is 13/08/2009 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Ill health, loss of job, low income. Was there a dispute with the original creditor that remains unresolved? HSBC we unhelpful and basically said there was nothing that could be done. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Attempted to, they said I could not afford to.

Good evening, I am hoping someone may be able to advise me on what is becoming a very difficult situation. I apologise in advance for the long post but I need to explain the background for it to make sense. I have always wanted to be a pilot and following many years of hard work, I was offered a conditional job as a private jet pilot with NetJets Europe in 2008 on their cadet pilot programme. The condition was that i successfully completed the pilot training course at Oxford Aviation Academy. I would then be taken on full-time within 3 months of finishing the course on a salary of around £50k. At the time, the only bank offering budding pilots a loan to do this course was HSBC and they worked closely with the flying school to ensure that all the successful applicants (who were not fortunate enough to have a spare £68,000) - were directed through their doors in order to take out a loan. There were two products offered by HSBC- self sponsored and sponsored. If you applied to the flying school with no job offer and with the intention of finishing the course and then sending out your CV you were classed as self-sponsored and you could borrow £50,000 over 10 years with no payments until 3 months after finishing the training. If you had a job offer from NetJets like I did then you were classed as sponsored and they tailored a product specifically for this. You could borrow £60,000 but only over 6 years as the salary was high in comparison to the mainstream pilot jobs with RyanAir for example. So £60,000 over 6 years it was and my business plan was submitted. This business plan contained three outcomes.... 1) I complete the course successfully, get the job and repay the loan. 2) I suffer a medical condition out of my control and lose my medical - Insurance was in place to cover this. 3) I fail the course and cannot take the job - I would return to the world of sales until I could afford to successfully finish the failed sections and apply for a mainstream pilot job. What actually happened could not have been planned for... Half way through our training course in May 2009 (and after the recession hit), we were told that NetJets could not honour their initial commitment of taking us on within 3 months of finishing the course as business had dipped. Instead they would give us two options, leave with small lump sum and continue the training course as a "self-sponsored" student or they would put us on a long term leave contract where we would be paid a stepped down salary and we would be taken on within 3 years. During this time we did not have to keep our flying licenses current as they would provide re-training and we had to seek written permission to work elsewhere in another flying job. I opted for long term leave and immediately contacted HSBC to notify them. Despite telling me (at the time they were selling me the loan) that they had a good understanding of the aviation market and could be flexible to accommodate unforeseen circumstances, they said it was far too early to do anything about it and to contact them 1-month prior to payments starting!! Payments were due to start in June 2010 at £979 per month and my first contact was made in May 2009 to notify them of what was happening. Not wanting to leave it until the last minute, I contacted them again in November 2009 and February 2010 to be told the same - wait until 1 month prior. I had requested that they stretch the terms of the loan from 6 years to 10 years like the self sponsored students which would make the payments manageable and was told this should be fine but couldn't be looked at until 1 month prior. When I contacted them in May 2010 as requested, they decided they needed time to look into it and suggested that I defer my payments for a further 6 months to start in December 2010! - it was again mentioned that extending the terms shouldn't be an issue. despite agreeing to defer for another 6 months, they tried to take the first payment in June and then admitted an error followed by a refund which left a yellow mark on my credit file that remains to this day. I then heard nothing until October when a lady called to check I was ready to start making payments at £979 in December. I told her that I was awaiting them to look into extending the terms and no, I wouldn't be in a position to start payments as my salary was only a fraction of what it was meant to be had I been working full-time. She advised me that there was no way the bank could extend terms, it would never have been an option and the bank have helped as much as they can by agreeing to defer payments for a further 6 months!!! - This was their request not mine! The debate went on for several months, I started payments at the full amount but continued to explain that I would end up in financial hardship should they not help me. In the end I was advised by the bank to fall into arrears by 1 month in order for collections team to get involved as they had more power to assist me. This seemed ridiculous so I contacted the Ombudsman. They agreed with the bank and advised me to do the same.. . fall behind 1 month and let the collections team help me. Collections agreed to freeze my arrears and let me pay a reduced amount for 12 months but this didn't help as my reduced salary would be for up to 3 years. This was the most they could do apparently. I was now a month in arrears, two yellow marks on my credit file and facing the prospect of payments returning to £979 at a time when my salary was being stepped down. In the following months I was fortunate enough to receive a small amount of inheritance from a family member which enabled me to pay the arrears and get back on track as I was now in my final year and would return to work in June 2013 on full salary. Then in June, days before I should have returned to work, I was made redundant. Leaving me with £35,000 left to pay HSBC, lapsed licences which would cost at least another £5,000 to resurrect and therefore no chance of finding another flying job. I have struggled over the last 12 months and managed to keep my payments going by starting my own business but growing a new business with no money is extremely difficult therefore I have slowly drifted back into the realms of financial hardship with nothing left in my overdrafts. Having got nowhere with the bank the first time round and even less joy from the financial ombudsman, I wondered if anyone could suggest anything else to try? The loan is secured on my parents house so you can imagine the stress and worry I have at the moment. Sorry for the long winded post but without the background, it wouldn't make any sense. Kind regards Richard

Hello I have posted in the forum a few times over my issue with HSBC and as this is still going on I could do with some more help please. I agreed with HSBC that as they owed me more in a PPI claim more than I owed them for an outstanding loan that the PPI would repay the outstanding debt. I signed a form to this effect and returned a long while ago. Since then I have had a few debt collection agents call me to chase this debt and I told them politely about the agreement and the matter went away. However, I have been receiving letters from MKDP chasing the same debt. I told them by phone about the agreement and they have gone back to HSBC who stated that they never received the signed agreement re the PPI and so the debt is still outstanding. HSBC never contacted me again. I really dont want to pay this debt while HSBC owe me PPI monies which may still be accruing interest at 8% pa. I have taken a look at my credit file and the loan is still registered as unpaid but now as owed to MKDP and not HSBC. Can this be transferred between parties on credit files in this way? Should I go ahead and make a claim against HSBC for my PPI? Im really just looking for a steer on this matter please. Thanks

Dear all I took 3 court actions against hsbc based on BCOBS unfair treatment and breach of data protection act as well as breach of contract The deadline of the witness statements was on 17th July which I (claimant) provided them within the deadline I received a letter on 19th July dated on 17th asking me by CPR 3.8 extension of this deadline I gathered some information on the internet and this website and responded to them the following (as I did not want to be seen who is not co-operating but at the same time I don't want to allow them to get away with their mistake as thee is no valid reason given) "The claimant may wish to not oppose your request of extension however at the time that claimant received your request (19th July) the deadline had already expired. According to the claimant's interpretation of CPR; 3.8 (as you mentioned in your letter) might have not been effective in our current position unless the court were persuaded therefore any extension is a matter for the court at this stage" So they ignored this part of the letter and they provided their statements and last one I received yesterday, the court is on 31st July So far they have not filed any application to the court What do you recommend? Shall I provide these correspondence to the court? Regards

Took a credit card with HSBC over 10 years ago. Defaulted in 2010. Started a payment plan at £80 a month with metropolitan in 2011 or 2012. Been paying no issue up till now. Marlin have written to advise that they have purchased the debt for HSBC and have set up a DD at my agreed payment amount. Firstly are HSBC allowed to give out my bank details? Secondly why would they sell when repayment was agreed? What is best to do here.? I know there is no PPI on this card, but already have sent a SAR off to look at charges.

Hello All, A quick question... My partner successfully claimed the majority of her bank charges with HSBC back in 2011. They owed her roughly £4,000 in excessive charges from 2006 to 2010. Of course she was not aware of the 8% interest she could of got on top until now (reading threads on these fantastic forums!) She has since ditched all paperwork relating to this since she accepted her pay out (which was about £400 less than her final figure) Can she still put in another claim to receive this interest back too? As she was never aware of this at the time. If so, would she have to go through the whole process again seeing that she no longer has the paperwork, including that which detailed her receiving the successful pay out? Thank you for your help! Regards Wulfen40

I took out joint Midland Bank VISA / Mastercard credit cards sometime before 1997. I have credit card bills going back to that year, which show that i was paying Cardholder repayment protection from at least that date, but I do not know when I took out the credit card, or when the PPI was sold to me. I do not have any original documentation that I can find so far. I do not remember when I took out the credit card, but could have been from 1989-1997, with somewhere between 1992-1995 most likely probably. I would suspect I applied within branch, but cannot remember, and also that the PPI was sold to me at that time. I cancelled the PPI in 2007. From 1994 in my first true job, I had healthcare insurance that would pay me 75% of my salary indexed linked for the rest of my life if I was off work for illness or due to an accident. I also always had savings that would have paid off more than the maximum amount of the limit of the credit card borrowing. Do I have a good case for claiming miss old PPI? Would the best action to first do a SAR for HSBC, or can I just fill out a PPI consumer questionnaire (I have downloaded a standard one from Martyn Lewis's website) with the above information? Thanks - appreciate any advice you can give.