HELP Please !!! HSBC is doing my head in!

Crinklewood

Hi,
I had an offer of repayment of PPI for a loan. However on investigation I discovered that the Managed Loan I have was started at a time when I still had the PPI.

When I was in a position of famly breakup and consequent ill health, I missed a credit card payment and the insurance on that was stopped immediately.

At the time I split with ex partner, our business was closed and I was waiting for my benefits to be applied.

This is where I was told by HSBC that my only option was Managd Loan (which I have 18 months left - I have paid the amount the loan was for - it's just interest amount left).

I have challenged HSBC because the M.Loan was started even though I had PPI on my loan plus prior to missing a monthly payment I had CRP on the credit card.

I have been told the actual loan was not included in the ML because my payments were up to date and I was still paying them.

The ML was credit card, a very small busiiness account overdraft and my current account overdraft.

My arguement is that at the time of being very vulnerable and waiting for benefits the bank forced me into a corner with a ball and chain round my ankles and handcuffed my hands behind my back by not telling me about the PPI and CRP when I was in a vulnerable situation.

So I ended up paying both the ordinary Loan and ML payments each month out of my benefits until in 2009 I got my head together and claimed on the PPI for the ordinary.

HSBC have offered me the first 12 months interest back on the ML but even though I am in ill health (currently having treatment for Cancer) refuse to close the ML saying I am getting a repayment of PPI and that can pay off the ML

The fact I have been told that they noted the ordinary Loan was up to date so didn't suggest the PPI to assist me and let me continue paying that loan as well as the ML which was forced upon me as "The only option" when I was struggling has really annoyed me.

Plus the fact when I was discussing the offered 12 months interest repayment from the M.L. I asked that the ML be closed as a gesture of goodwill and was told I had to speak to the financial guidance team. I phoned them and was dragged through a Financial Statement whereby every penny coming in/going out was discussed.

I had had a complaint(s) with offers of repayment and yet I was being dragged through dirt and the gutter.

Then when I debated whether or not the ML could be closed with the financial services guidance adviser - I was told I could stop monthly payments for 3 months until the complaints were resolved but this would put my account into arrears!

Sorry I've rambled on and it may not make sense but I'm not sure whether or not I have a case big enough to argue through a solicitor but I am soooo annoyed.

I have now phoned my bank again (HSBC) and told them to put on my records I aren't well enough to be discussing anything on the phone (which puts them at an advantage because they can replay the recording) and that I want all communication from them to be buy letter.

I'm really unhappy about the situation and not sure what to do next,.:mad: :think: