Help needed with HSBC Cardholder Repayment Protection

Lee1980

Hello everyone,

I recently put in a PPI claim for my credit card I started back in 2002.

They have refused my claim. I scanned the letter but I cant post direct links as a new user but if you copy the links below it shows the 2 pages of the letter they sent me.

imgur.com/7E98ZP2
imgur.com/a0pw59t

If you've no time to copy and paste, the basic point they make is that I signed the agreement and they find no evidence I was ever dissatisfied with the policy.

They tried to call me regarding this but I always miss their calls because it's normally sales. Big mistake?

My problem is that I was led to believe it would increase my chances of getting the application and I didn't know at the time I was able to opt out. It's only been made clear to me after the fact.

My question is, do I have any chance of getting any of the money back? If so, what's my best course of direction?

Many, many thanks for reading!

-taff

You need to show you could have afforded the payments without it, with a good sick pay etc, or another income or savings.

Your next step is the FOS.

Lee1980

Thanks for the reply.

I don't think I can prove that. I was working but I don't have any pay slips or any papers. It might be a no go then.

What's the 'FOS'?

-taff

Financial Ombudsman Service
step 4

http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance