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HSBC refused PPI - What do I do!?


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Hi,

 

I've just received a refusal from HSBC after I complained about mis-sold PPI.

 

I initially complained about a loan which I took out in 2002 and stated how I now realise that I have been paying for insurance that I did not know I had taken out

so could not have been explained to me or made clear.

 

Their response was that I was given a Product information Pack and confirmed as the Personal Loan Protection Plan was optional,

you had a period of 30 days in which you had the right to cancel the Personal Loan Protection Plan.

 

Therefore, tey consider adequate steps were taken to ensure I was aware that I had had PPI on the loan.

 

I'm not very happy with the response (as you can imagine), as why would I read a load of bumff which was given to me,

if it was only going to say what I had taken from the conversation with the sales person (i.e. not expecting it to say anything about PPI as we didn't even discuss it).

 

Has anyone had any experience of this, and if is, what is the best route to go down?

 

Thanks for any help!!!

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hi LE

 

std crap

how did you apply for the loan please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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right so it was you and an advisor in a closed room with one else involved?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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