HSBC Gold cards - PPI added?

Tobolinos

Hi there MSE people

I am attempting to ascertain if there were any PPI charges added as standard to an old credit card (HSBC Gold card) that I took out in late 2002.
So far HSBC have been extremely slow in confirming any details at all (they went over the initial 40 x day period allowed and only confirmed the date I took it out after I went to the Information Commissioner and the Financial Ombudsman). They claim that there were no PPI charges added to this product, but have provided no statements or any other information to back this up, despite me asking this in my initial letter.
I should say at this point that I do not have any of my old statements relating to this product as it was opened in 2002 and closed in 2004.
My main query is: have any other MSE forumites had PPI charges added as standard to HSBC Gold cards around this period? If so, then I can get a better picture of what (if any) charges were added to this product so I can make my case further.

Best wishes

Tobolinos

dunstonh

I am attempting to ascertain if there were any PPI charges added as standard to an old credit card (HSBC Gold card) that I took out in late 2002.

Only if you agreed to them

So far HSBC have been extremely slow in confirming any details at all (they went over the initial 40 x day period allowed and only confirmed the date I took it out after I went to the Information Commissioner and the Financial Ombudsman). They claim that there were no PPI charges added to this product, but have provided no statements or any other information to back this up, despite me asking this in my initial letter.

Maybe they dont have statements any more seeing as you closed it 11 years ago.

My main query is: have any other MSE forumites had PPI charges added as standard to HSBC Gold cards around this period?

No they havent as that isnt how it works.

Did you borrow on the card or pay it off monthly? The latter nearly always means no PPI would be payable as its on the borrowed amount. Not the repaid amount within the interest free period.

Tobolinos

Thanks Dunstonh - I appreciate you responding with sensible answers.

I have heard of lenders adding PPI onto credit cards as standard, and burying this in the Ts and Cs, hence my query.

I have a feeling that I may be too late to claim back (assuming there was any added in the first place) because of the time elapsing, but would appreciate any pointers or tips to try my luck.

Nasqueron

Tobolinos wrote: »

Thanks Dunstonh - I appreciate you responding with sensible answers.

I have heard of lenders adding PPI onto credit cards as standard, and burying this in the Ts and Cs, hence my query.

I have a feeling that I may be too late to claim back (assuming there was any added in the first place) because of the time elapsing, but would appreciate any pointers or tips to try my luck.

You will only have "heard" of this from the liars at CMCs - PPI would appear on every statement as a new separate charge as it increased your balance so you would see it every month and could query it. PPI on credit cards was often sold later over the phone rather than being included in the original application

-taff

You wouldn't be to late to make a complaint about it as long as there was some evidence you paid it and did not need it.

There doesn't seem to be any evidence left. Companies are only obliged to hold your info for as long as necessary, not indefinitely...