HSBC Rotection Plan Debt Protection Program Administrator scam, protection plan, debt program, denial, account shield, account shield plus New Castle, Delaware

I sign up for the HSBC Debt Protection Program because I thought it was a warranty plan with the item I purchased. When I saw all these extra charges I called the 100 number that was on my bill. I told that these services were mandatory. So, I had to keep them. Then, I found out years later that it's not.

So, I been paying them since August 2009 thinking it was mandatory. When I found out last year that there was benefits if I got laid off i deiced to use them. But, then I was told I had to work 40 hours a week to qualify. I told them that I never had a job were I worked full-time and why would i given these benefits if I wan't working that much. They replied they should of asked if you worked full-time. I said no they didn't I was just giving these benefits. They said sorry just fill out a claim form and we'll see what we can do. SO, I did and now I was denied because it was more than 365 calendar days. I said that's wrong because I was laid off Dec. 30th 2011 and then started work again full-time on March 5th.  2012, They can barely speak English at the call center and told me that they'll review my claim and I should be notified in 1-10 business days. They just give me the run around so I cancelled them but I still expect to be given those benefits as I have paid into it as of today.

Don't sign up for this, they just take your money. I have invested well over a couple thousand to these jerks. Also, they are being sued and the website that you can use to file a claim as been shut down making it even more inconvenient.