Mummyemma v HFC benefical mastercard

mummyemma · 17th July 2006, 12:55

Well thats the first letter sent. Today i sent my data protection letter with a £10 postal order via registered post. So heres hoping i get my statements. I have some for about the last year showing approx £400 of charges and i know they have charged me a lot more than that

so let the fun begin

Emma

mummyemma · 24th July 2006, 21:36

Recieved all the statements today thats one week from sending the letter and got the postal order back. Does another know if i can cash it in have the recpeit and everything???

going to start adding up

Emma

mummyemma · 27th July 2006, 17:42

Prim letter sent asking for £900 worth of charges to be returned. Lets see what they say

Emma

mummyemma · 7th August 2006, 21:54

Well heard nothing from them yet, no surprise there have got LBA letter ready and will post on Thursday if i dont hear anything by then.

mummyemma · 8th August 2006, 22:03

Letter recieved from Claire Plummer today usual stuff

Account *******
Thank you for your recent communication regarding the above account, I have now fully investigated the matters raised.
Default charges are charges payable if customers do not make the required minimum payment .....exceed their credit limit......payment to their [card] is returned unpaid. The amount of these charges.......is set outclearly in HFC Bank card agreements. We believe that our charges to customers are fair and resonable.
The OFT has recently published findings from its enquiry.......HFC Bank has [considered this] and does not accept its findings. However the OFT's investigation has led to a change in market practices and....{bit about reducing charges except on charges already applied}.Accordingly, I regret that we are not prepared to make any refund....or compensation.
Thank you etc etc

So on with the LBA on thursday lol if she thinks i will give up that easily she is mistaken

Emma

mummyemma · 4th September 2006, 10:38

Had a letter today from Clare Plummer offering the full amount. I hadnt started court action yet as we were away. The only problem is she wants the money to credit it our account and i want some of it and the rest to credit the account and close it. So am waiting to speak to her now

but yeah we won.

Emma

bigdave1985 · 10th September 2006, 12:10

Quote:

Originally Posted by mummyemma

Had a letter today from Clare Plummer offering the full amount.

how long after that letter stating they were not going to give you the money did you get your offer? also did you have to send anything else in the mean time?

i am just at this stage now.

thanx
david

mummyemma · 11th September 2006, 12:52

Um took them just over 2 weeks to say that they would offer the full amount. I have since spoken to Clare plummer and she has agreed to transfere the money into my bank account. So hoping will have some money very soon

bigdave1985 · 11th September 2006, 17:10

Quote:

Originally Posted by mummyemma

Um took them just over 2 weeks to say that they would offer the full amount. I have since spoken to Clare plummer and she has agreed to transfere the money into my bank account. So hoping will have some money very soon

DID YOU HAVE TO SEND ANY MORE LETTERS TO HER BETWEEN THE DATE SHE REFUSED AND THE DATE THEY ACCEPTED??

I AM DEALING WITH THE EXACT SAME PERSON.

sorry abouts the caps.

yours david

mummyemma · 11th September 2006, 21:07

I sent Prim letter to which she offered me half the amount. I said no and then sent LBA to which she replied saying she would give full amount. I have accpeted on the condition we have the money within 7 days otherwise i would carry on my action and proceed to court

hope that helps
Emma

mummyemma · 20th September 2006, 19:22

At beginning of September HFC offered me the full amount i was asking. I said I would accept this as full and final offer providing that they

1 use some money to pay of the card
2 close the card
3 send us the rest of money via cheque or bank transfer.

This was all confirmed and agreed with Clare Plummer. I gave them 7 days to do this or i would commence court action. Now they have done 1 and 2 but as of yet I have still not recieved anymoney. I phoned yesterday to inform them of this and was told a cheque was ordered on the 13th and she would chase it.

How long should i wait for this money, should i file a claim for the outstanding money. Bit confused

lisalisa · 4th October 2006, 17:25

Sorry no idea on your question but can i ask who you addressed your prelim and LBA letters to - as you've had success i'll try the same route when my statements arrive.

Lisa

mummyemma · 4th October 2006, 20:19

i just addressed them to benefical finanace and Clarie Plummer repleied to them all. When i had offers i replied to her in person

Emma

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