S j nelson
Sandwich,#2Author of original report
Fri, November 14, 2008
I need a lawyer - preferably one that specializes in unfair CC practices. As noted above, we got our credit for PPI. All of the sudden, I log into my account today only to see that our account has been closed and reported to the credit bureaus as such. They CLAIM it was done in June but I know for a FACT it was not done until this month. They claim they can close an account anytime but based on the reason - this is not a fair ending to our dispute. Reason: None payment - payments made Sept $300.00 - Oct $300.00 I have a call into the executive resolution department and they are the ones that told me NOT to pay on the account! I want to see what their reaction is. IN the meantime i want to speak to someone in the business of pointing out these types of unfair practices and getting consumer justice! I was told not to pay a DIME until the dispute was corrected and as soon as they started the credit, I paid $300.00 MONTHLY since Sept. Can somebody help me? I am SICK to my stomach! We have had THIS credit card for 9 years. It is not MY fault they made an error in processing the PPI for a self employed person. If we had not called back in Feb. we would still be conttributing to the PPI BLACK HOLE! HELP US PLEASE!!! SJ Nelson 815-498-1368
S j nelson
Sandwich,#3Author of original report
Fri, October 10, 2008
TODAY 10/10 I have been successful in receiving back a total of $3,048.62. With that being said, I have asked on several dates for the account representative to send to me an explaination of this credited amount. I am pleased that I am making progress however I am still missing over $1500.00 in fees and interest! I am hoping for additional resolution in the near future. IF YOU HAVE AN HSBC UNION PLUS CREDIT CARD WITH HIS PAYMENT PROTECTION I WOULD SUGGEST TRYING TO USE THE BENEFITS BEFORE YOU PAY IN YEARS OF PREMIUMS ONLY TO BE TOLD THAT THE PROGRAM IS NOT FOR SELF EMPLOYED CARD HOLDERS IT HAS TAKEN ME OVER 60 HOURS TO GET THIS PREMIUM REFUND AND NOW I AM FIGHTING FOR FEES AND INTEREST CHARGES. I WILL KEEP YOU POSTED ON MY PROGRESS!
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Anderson,#4Consumer Comment
Fri, August 08, 2008
Seems to me you want to get a much firmer control of ALL of the details of your affairs if you are going to survive as ''being your own boss''. It is a tough world out here.
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Anderson,#5Consumer Comment
Fri, August 08, 2008
Seems to me you want to get a much firmer control of ALL of the details of your affairs if you are going to survive as ''being your own boss''. It is a tough world out here.
Friendly Help
Anderson,#6Consumer Comment
Fri, August 08, 2008
Seems to me you want to get a much firmer control of ALL of the details of your affairs if you are going to survive as ''being your own boss''. It is a tough world out here.
Friendly Help
Anderson,#7Consumer Comment
Fri, August 08, 2008
Seems to me you want to get a much firmer control of ALL of the details of your affairs if you are going to survive as ''being your own boss''. It is a tough world out here.
S j nelson
Sandwich,#8Author of original report
Thu, August 07, 2008
To start, I am going to throw out a question and hopefully whomever reads through these will answer it. How much do you think this nation pays in "payment protection premium fees" that NEVER get a chance to be exercised? I am referring to that little "check box" on a loan application for a car, house - fancy tri cycle...? Do you ever stop to think that if you NEVER use it how much these companies are racking in? I recently received a call (today 8/7 ) from a representative of HSBC PPI services who stated that she is VERY sorry but when I was denied PPI coverage in February - that was incorrect information and until I sent a "I AM PISSED OFF AT YOUR COMPANY AND REFUSE TO PAY ANOTHER DIME ON MY CREDIT CARD LETTER UNTIL YOU RESPOND TO ME" inquiry letter...she did not know this was occurring. Please read above original post for the details of my claim. None the less, Tammy - is supposed to have Supervisor Lynette call me back to present some form of "corrective action" resolution. With that being said, I wonder how many people don't sit down to write the letter I wrote and get totally screwed by these programs...? They are admittingly stating that IF the right people had been working my claim file in February I would not be in this position. In addition, they are stating that IF those same individuals would have passed my expedited claim onto a supervisor, they would have been able to help me in FEB. Amazing is'nt it??? With all due respect - I think that HSBC - PPI need to be investigated for unfair and deceptive practices. As embarrassing as it is to admit I need financial help to the public..I am MORE embarrassed I spent 9 years paying into a program that did not amount to squat! Today, I am calling all of our lending agents to varify WHICH PPI programs are valid and which ones are not. PEOPLE OUR ECONOMY SUCKS and we need to stand up to the money rapists and lenders and credit card companies that do not follow thru on services promised initially deserve to be put on the stand! I am filing an unfair and deceptive practice claim if I do not hear back from this "supervisor" with a corrective action that is worth the problems I have incurred over the past 6 months!
S j nelson
Sandwich,#9Author of original report
Thu, August 07, 2008
To start, I am going to throw out a question and hopefully whomever reads through these will answer it. How much do you think this nation pays in "payment protection premium fees" that NEVER get a chance to be exercised? I am referring to that little "check box" on a loan application for a car, house - fancy tri cycle...? Do you ever stop to think that if you NEVER use it how much these companies are racking in? I recently received a call (today 8/7 ) from a representative of HSBC PPI services who stated that she is VERY sorry but when I was denied PPI coverage in February - that was incorrect information and until I sent a "I AM PISSED OFF AT YOUR COMPANY AND REFUSE TO PAY ANOTHER DIME ON MY CREDIT CARD LETTER UNTIL YOU RESPOND TO ME" inquiry letter...she did not know this was occurring. Please read above original post for the details of my claim. None the less, Tammy - is supposed to have Supervisor Lynette call me back to present some form of "corrective action" resolution. With that being said, I wonder how many people don't sit down to write the letter I wrote and get totally screwed by these programs...? They are admittingly stating that IF the right people had been working my claim file in February I would not be in this position. In addition, they are stating that IF those same individuals would have passed my expedited claim onto a supervisor, they would have been able to help me in FEB. Amazing is'nt it??? With all due respect - I think that HSBC - PPI need to be investigated for unfair and deceptive practices. As embarrassing as it is to admit I need financial help to the public..I am MORE embarrassed I spent 9 years paying into a program that did not amount to squat! Today, I am calling all of our lending agents to varify WHICH PPI programs are valid and which ones are not. PEOPLE OUR ECONOMY SUCKS and we need to stand up to the money rapists and lenders and credit card companies that do not follow thru on services promised initially deserve to be put on the stand! I am filing an unfair and deceptive practice claim if I do not hear back from this "supervisor" with a corrective action that is worth the problems I have incurred over the past 6 months!