Seriously Tony get on the case, ive allways been wise to this and allways opted out of it (almost kicking myself now) as i knew it cost more and with working for Rolls Royce ive got full pay for 12 months if im off sick so allways told em where to go.

Seems in 2001 and 2002 i was fleeced by HSBC, for a loan of 1100 the charged me a further 140 for protection but then made me borrow this money as another loan with an APR of 19.8 so it worked out around 240 ish, then the other was for around 450 with interest.

They work the repayments on a basis of amountx2 plus 8%

So even these two loans add up to around 1300 they owe me then when i was at the bank the lad told me they had sold me the protection a third time but as its longer than 6 years ago only head office can access these files.

Now the letter is sent off and all ive got to do is wait

Some good pointers on here mate well worth a look IMO