HSBC ppi and charges

[TwoTicky]

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.

[ims21]

Have you got all of the statements?

 

What did you state as the reasons for the mis-sale of PPI?

 

What reasons did they give for not upholding your complaint?

 

How did you complain?

 

Can you give us the full history please?

[SabreSheep]

Seperate the CC charges reclaim from the PPI.

[TwoTicky]

I was self employed at the time,

they were adding ppi without my understanding or consent,

 

 

actually I am not sure from when but probably around 2001

(the statements I have don't go back that far).

 

 

It took me a while to realise what was happening and

I phoned and had a very heated discussion demanding my money back in 2004,

 

 

I said this insurance is not suited to me and it was never discussed with me in the first place

otherwise I would never have agreed to it.

 

 

Their response was "tough"! I

 

 

then got a letter confirming it had been cancelled in Aug 2004.

 

Over the last few years I've seen lots of people get ppi refunds but thought mine was too far back,

I didn't think the cc company would have the records more than 7 years and

I have just come across these old statements (I am waiting for SAR to come back).

Edited September 27, 2014 by TwoTicky
Clearer explanation.

[TwoTicky]

Seperate the CC charges reclaim from the PPI.

 

Do yo mean put each charge on one row or to do a separate sheet each for charges and for ppi?

[SabreSheep]

Do yo mean put each charge on one row or to do a separate sheet each for charges and for ppi?

 

I mean treat cc charges as complete seperate issue. Even use a new thread.

 

U will need to have or get statements to prove the charges made