HFC fined for PPI misselling - game over for them!!

[wills7]

Hi Gordon - have you had any joy with HFC?

[gordonsanderson]

Hi wills7,
No not yet, i've sent the info to the FOS, recieved areply that the administrater has my documents, so just waiting for them to be passed to a case worker.
Regards Gordon

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[lapislazuli]

I had a computer from PC World funded by them and it had PPI cover.

I have paid the loan off now but could I lodge a claim for refund of PPI do you think?

[gordonsanderson]

sounds all to familiar to me

[alanfromderby]

Just in case anyone has missed the announcement at the top of the forum regarding the class action against HFC, this is now gaining momentum.

I have been personally involved with the formation of the committee of claimants that will be driving the action forward, however if anyone else wishes to get on board then either contact me, or the PPICG (Payment Protection Insurance Claims Group) via the addresses given in the announcement.

We are looking for anyone who believes they may have been missold PPI by HFC, and is either at an early stage with their claim (perhaps up to exchange of AQ's) or has not yet commenced action.

Should your claim meet the criteria for joining the group, the solicitors (Clyde & Co LLB) have guaranteed that any adverse costs will be covered.

We are happy to answer any questions or concerns that you may have, and of course, any discussions will be treated as confidential.

[gordonsanderson]

Hi Alan,
One of my issues has been sent to clyde, the others...i'm waiting for what i should of recieved in the 40 day period, the ball has only just started to move.
Regards Gordon

[gordonsanderson]

This..Is..Sparta

[alanfromderby]

In good company then...should be an interesting ride.

[gordonsanderson]

You'll here all about it.

Regards Gordon

[crampers]

Game over indeed 10 years of ppi with hfc good luck to all

[gordonsanderson]

Hi All,
Just recieved a response from the Financial Ombudsman giving HFC 8 weeks to respond to my complaint, as if that will make a difference, what i need to know is...my Subject Access Request (Subject, Acces,Request) from HFC fell on deaf ears as they have only sent me a pile of nonsense from this one particular loan from 2004 with no proper documentation not even a statement, they also said that any system generated letters cannot be enclosed with their response as copies are not kept (b******ks) so where is the default notice they served on my account in 2005 gone,they are just hiding all my info and yet i have had 4 finance agreements prior to 2004 from 2000/2001 and they have failed the 40 day deadline and have been non-compliant with my request, so i've been looking on the HMCS on obtaining a court order to force them to comply, do any of you know which order i need to complete so that i can get all my information out of HFC and claim more PPI/Charges etc

Regards Gordon

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[gordonsanderson]

Hi ALL,
I've just recieved a letter from the FOS giving HFC 8 weeks to respond to my complaint on my PPI, so will wait to see what bull they speel, on a different note, i've been looking at the HMCS site ad trying to gather info on obtaining a court order as HFC have failed and have not complied with my Subject Access Request (Subject,Access, Request)after nearly 55 days they have only given me read outs from a computer concerning the loan i have had from 2004,ie telephone call logs all though i have had 4 other finance agreements three years prior from 2001-2004, they cannot or just didnt bother sending me this info, not one statement of charges etc and not a copy of the default notice they served on my account in 2005 (without me knowing), the also said that any system generated letters cannot be enclosed with the rubbish info they sent me because copies are not kept, i mean howay man, what are they like? total idiots, so do any of you know which order i need to complete to force them to comply with my request. Any pointer in the right direction would be appreciated as the HMRC site is a mine field.

Regards Gordon

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[wills7]

I am starting a claim against HFC for ppi - can i join?

[alanfromderby]

Certainly - just send your details via the link in the announcement.

[wills7]

does anyone know when the FOS started with HFC? if my loan was taken out in 2003 whould it be pointless to complain to the FOS?

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[alanfromderby]

As a bank, HFC have been regulated since 2000 - but for the sale of insurance they have been regulated since January 2005. There are numerous other factors that come into play though, as I believe that the PPI would be classed as a linked transaction to the credit agreement - on that basis, they should look at claims back to 2000.

Probably depends on the particular circumstances.

[gordonsanderson]

Hi All,
Just had a phone call from a DCA about my loan with These lot, she said she has got the info from HFC and wants to help, but as the conversation went on HFC did not give her the corrct info, she didnt know where i been working for the past three years, she didnt thought i was living with my parents, so i explained i was not going to give any info over the phone, and also said that because HFC have the same info regarding many issues i have with them then she should ask for all the info and not just some stupid employees account of my buisness with them, so they got none or all the wrong info, they are confused as to what issue i have with them, and now they've envolved a DCA, now we are getting somewhere, i have also recieved a letter stating that they are looking into my complaint (hope those idiots understand what mis-sold PPI means)so seem to be going in circles, but as i said i've saved and filed all communication i have had with HFC so they cannot say they are unaware, i now know that they have incorrect info relating to my personal circumstances, this list of incompitance grows longer and longer, and i am also still waiting for My Subject Access Request so i'll send them a letter in the morning (recorded)giving them a week, then i'll also phone the HMRC to ask about a court order for their non-compliance. HFC are just the most useless people i have ever known, can wait to stuff'em.

Reagrds Gordon

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[f1babe]

quicky question - i took out a loan with this bunch in about 2001/2002 and despite me saying no to the ppi the loan included it
can i still claim

[alanfromderby]

Sounds like you have a claim - have a good read through the stickies at the top of this forum.

[bathgatebuyer]

Article also in the press over the weekend about Land of Leather being fined £210,000 by the FSA over their PPI processes, which includes a personal fine of £14K against their Chief Exec for failing to oversee the procedures in place by the firm.

There's a fantastic quote in the FSA release which states that "......delegating authority for dealing with PPI does not mean delegating responsibility....."

For settling early, Land of Leather had their penalty reduced by 30% as did their Chief Exec who could have been liable for a £20,000 fine for his role.

I'm certainly going to make the Halifax aware of this decision as the correspondence I have had from them which refutes the mis-selling of PPI cover on my credit card has come direct from their Office of the Chief Executive and I have argued that this is evidence of their advocacy of mis-selling throughout their organisation.

Well done the FSA for forcing a Chief Exec to take responsibility for the PPI failings of their organisation.