HSBC credit card PPI

andy_geo
andy_geo Posts: 8 Forumite
First Post First Anniversary
in Reclaim PPI & other insurance
Hi-
I had an HSBC credit card from 1998 to 2011.
I read in other posts that people who opened a credit card the same period had PPI on it

I was able to find some statements from as far back as 2004 but I can't see any reference to PPI on them.

Would that be included in the interest charge ?
Should there be a separate charge for PPI?
Is there anything else to look for on the statement that indicates PPI?

Any advise would be appreciated.
- Andy

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    You didn't have PPI.

    It would show on the statement. Hiding it in the interest is an claims company myth.
  • dunstonh
    dunstonh Posts: 116,316 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    I read in other posts that people who opened a credit card the same period had PPI on it

    But the majority would not have done. you should really be saying "some".
    I was able to find some statements from as far back as 2004 but I can't see any reference to PPI on them.

    That makes you the same as the majority of people.
    Would that be included in the interest charge ?

    No. Interest is interest. PPI is PPI. Neither can be each other.
    Should there be a separate charge for PPI?

    If you had it, yes.
    If you didnt have it, no.
    Is there anything else to look for on the statement that indicates PPI?

    No, Just the entry that increases your balance with the PPI payment.
    Any advise would be appreciated.

    Doesnt sound like you have it
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • societys_child
    societys_child Posts: 7,110 Forumite
    First Anniversary Name Dropper First Post
    Is there anything else to look for on the statement that indicates PPI?
    If it was charged, it would be itemised clearly, on a separate line on the monthly statement(s). It would be difficult to miss.

    It can't be "hidden" in the interest, nothing would add up correctly . . .
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