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

[adamski]

Any news on this the PPi forum is very quite
I am just starting my complaint against HFC

[scousepie]

Excellect Thread

[scousepie]

Originally Posted by scousepie

Excellect Thread

I need to write a letter to HFC, is there any templates I can view for a guide?

thanks

[bathgatebuyer]

Interesting quote from the solicitors who were acting against HFC:

"The PPI market has been the subject of intense regulatory scrutiny amid claims that it is unnecessary and expensive. The policies, designed to insulate consumers from an unforeseen loss of income, are highly profitable, with lenders earning as much as £1,200 from a policy that costs only £20 to sell, according to the Competition Commission".

So now we know - £20 to sell a policy and the possibility of making thousands. This really can be described as a non-protection racket.

[l23b]

I have only found out after two years of hassle with this hfc.There arragont rude and dont care and i have even got bad health now because of them with all the stress,Im at my wits end with them and really need some help on this one: Ieven got family to tell them to **** off or even that i am dead? they ring 7 8 9 10 11 12 times a day ive even changed me numbers 5 times?

In 2005 i bought a laptop for work reasons form pc world in the uk. for the price of 799 however the sales man place a extra 200 pound payment protection plan on top of the payment of hire agreement.

I clearly said no to this and they said i need to be at 1,000 pounds to get the laptop.
I questioned the sales guy about this and he agreed to do sale for 799.99p (to my knowledge i never known he put the 200 on top of the price after saying no to him until 14 days after sale which was too late.)

So i went to work happy knowing i got my laptop business sorted and paying by direct debit.I paid till i got a balance of 300 pounds or so owing,I asked hfc to take the reminding off my card of 150 or so till i was left with 100 or so left.They said they wud get it sorted out and contact me. fine

6 months later i joined the forces in the u.k was training and was working in duration for 2 years places.hFc broke there promise i set up a direct debit with my old bank account and left at that.They never took a payment and cancelled my direct debit their end saying the bank delined it when clearly they never did bank official stated when in correspondent.However hfc wacked on charges of 45 pounds per dd fail and so did the bank (28 pounds) which left me to close the account in the present time stated? so i went opened a new account.They hit my credit card with a 300 pound overdrawn hit...(this makesd that dam old laptop now in total over 1200 pounds paid). I refused to pay anymore but they claimed i still owe money to them and if i dont pay i am defulting my contractional obligations or summit. I told em to **** off"

now in 2008 i get them all the time writing to my dads address, stating i owe over a 1,000 pounds uk money and that i inrest is being added until i come and arrange payment. I have 35 different laptops since then.I cant seem to upgrade my current account to a proper account im stuck with a post office account and i dont know how to prove this ****en company have ripped me off as it feels they have the law on their side as well as a major bank. I have been to c.a.b wrote to the financial service and almost everyone i know even m.ps and been brushed off time after time after time.I have lost my credit card cos of them takingmoney. With all the stress of them ringing and ringing and ringing and saying stupid things like ya took the loan mr x it our own fault when ya gunna pay i am now gone from being fit as a fiddle to type one diabetic and had 1 small heart attack? which i am fine now but they ring 12 13 14 15..

Ive decided to aviod them but i cant seem to do that but i wanna put this to bed and end it any ideas?

the I hate hfc with a passion man.

[scousepie]

HFC are the scum of the earth, they miss sold a PPI agreement to me after they were fined in Jan 2005. shame on them.

HFC Stands for:

High Fictitious Charges:

Anyhoo don't get to upset as you have rights.

1st, you need to send HFC a CCA Request to find out if they have a signed agreement.


2nd, send a SARs request letter, this is for all the information on your account plus charges and payments ect that they hold. its your right to obtain these docks.

have a look in the Letter Template Libarary for all the letters.

if you have any problems filling or locationg the forms please post.

oh, and send your letters registered post as proof.

good luck.

[laurab08]

Originally Posted by crampers

hi all good to be back what about claims prior to 2005 mine goes back to 1996 anyone

CRAMPERS Aslong as you have some documentation for the finance you can claim back as far as you like.