Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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Advice given is purely my opinion, and is not based on any legal training.
Re: HFC fined for PPI misselling - game over for them!!
Another One Bites the Dust... Who will be Next ???
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Re: HFC fined for PPI misselling - game over for them!!
The great thing with the Misrepresentation Act is that, once it is shown that the policy is unsuitable, it switches the burden of proof on to the seller to show that they acted correctly.
The fact that it has now been established that HFC were misselling policies between 2005 and 2007, it will be very difficult indeed for them to persuade a court that before then everything was fine.
It is worth noting that HFC could have appealed this decision, but they chose to accept the findings.
Alan, Derby, UK.
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_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Re: HFC fined for PPI misselling - game over for them!!
Originally Posted by determindator
Can you tell me if Swift Advances have been fined for PPI Miss-selling.
Many thanks
No - this is the full list, courtesy of MSE:
Who’s been fined so far?
HFC Bank, also trading as "Household Bank" and "Beneficial Finance": Fined £1,085,000, the highest fine to date, in January 2008 for putting customers at an unacceptable risk of being sold PPI when it was not suitable for them. Failings took place in branches between Jan 2005 and May 2007. More Info:HFC Bank
Hadenglen Home Finance Plc: Fined £182,000 in September 2007 for inadequate systems and controls when recommending re-mortgages and PPI. PPI failings took place between January 2005 and November 2006. More Info:Hadenglen Home Finance Ltd
Capital One: Fined £175,000 in February 2007 for failing to ensure that 50,000 customers buying credit cards and loans between January 2005 and April 2006 received important information about the policy. More info:Capital One
GE Capital Bank Ltd: (supplies cards for Asda, Comet, Debenhams and Topshop among others): Fined £610,000 in January 2007 for inappropriate sales of its store cards and credit cards. More info:GE Capital Bank Ltd
Loans.co.uk: Fined £455,000 in October 2006 for not having appropriate systems and controls to minimise the risk of unsuitable sales. More info:Loans.co.uk
Redcats: Fined £270,000 in December 2006 for also not having adequate systems and controls in place to minimise the risk of unsuitable sales. More info:Redcats
Regency mortgage Corporation: Fined £56,000 in December 2006 for not collecting sufficient information during a PPI sale to ensure its recommendations met customers' demands and needs. More info:Regency mortgage Corporation
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
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Or you may wish to buy one of these great resources:
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_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Re: HFC fined for PPI misselling - game over for them!!
Hi,
Yes its great news for us all, my PPI is aprrox £7000 incl interest, which of course was mis-sold as i was not advised that i could go through a different insurer, i was not told the true amount of the PPI ie payments on top of the loan,the tatal APR charged, and i did not think the person who sold me the loan had my best interests at heart as i explained that i was self-employed and she didnt advise me otherwise.
Re: HFC fined for PPI misselling - game over for them!!
Hi,
just to extend the years that HFC have been mis-selling, my loan with the PPI i didnt need was sold to me in August 2004. It we be very interesting how what may HFC try to prove that my PPI was not mis-sold. I am prepared for anything and have nothing to loose as its all gone thanks to HFC, so they are in for 12 rounds of resentment.
Re: HFC fined for PPI misselling - game over for them!!
I may be able to test the waters with this, as I made a part 18 request in relation to my claim which dates back to 1998. The information I asked for was regarding their internal procedures, commission, bonus structures, incentives, disincentives etc. - of course, they ignored it.
Earlier this month I filed an application for a Part 18 Order, and it has been listed for a hearing in mid-February. As yet, I have not had the paperwork, but as their defence has also been filed I am guessing it will be a full Case Management Conference.
If it is a CMC, then I will be asking the judge to consider making an order for full disclosure of issues regarding their PPI sales in 1998 based on the FSA findings for 2005-7.
It is definitely time to turn the screw.
Just as soon as I get confirmation through of the hearing I will post more on my thread.
Alan, Derby, UK.
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Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Re: HFC fined for PPI misselling - game over for them!!
Hi Alan,
Sorry for not replying, i`ve been away. Anyway that part 18 order sounds interesting and should state a few aspects of their selling paractises/ procedures " A NICE TASTEY COOKIE", on another note, i`ve recently recieved my CCA and with that a copy of my PPI or PPI`S as it were, meaning that i paid a seperate preminum for my PPI incl ASU from Hamilton (part of HFC) i`ve also been charged £3600 from HFC for PPI which is solely for ASU from HFC, and they are really going have to justify why they can and have sold me PPI and charged me twice for the insurance against the same PPI product, and obviously the PPI including ASU from Hamilton is a vastly tiny proportion to the later of the charge
I`ll keep you up to date as my case continues.
Regards
Gordon
Re: HFC fined for PPI misselling - game over for them!!
Hi Gordon - just noticed on your cca in the PPI boxes there is a pre printed Y & N. I have these on mine and they are pre printed not ticked by myself.. what do they mean?
Re: HFC fined for PPI misselling - game over for them!!
Yeah that sounds about right!! as it says just above the boxes "tick as applicable", once i`ve recieved a reply from the letter i sent ( if i get a reply) it will all be documented and fully explained to the governing bodies i spoke about posting a complaint to. They cant say anything to avoid those details especially as i've been charged twice, the argument still and will continue to stand until i get a FULL REFUND WITH interest!!!, so you just keep plugging away it takes time but the reward of justice will be complete when your happy with the result your looking for.
Re: HFC fined for PPI misselling - game over for them!!
No probs ,it's gonna be a long one though, as the same person who mis-sold me the PPI give me mis-represented advice on what to do about payments as i had a change of circumstances back in april 2005, and subsequently due to that ill advice, HFC defaulted me in oct 2005 (did not find out till jan 2007) i have all details that an arrangement to pay was in place before HFC changed details on my credit file, i have all my payment history via bank statements etc etc, so they can "get s*****d", i aint goin anywhere, let the fight begin i say, it's their move now.
Re: HFC fined for PPI misselling - game over for them!!
Hi All,
Just to say HFC have until 05/02/08 to come up with my request. If they dont then it's off to the OFT the fos the information office, trading standards, then as of now i will be preparing my case in the small claims to fight a successfull 300 Battle. I am ready, let the fight begin.
HFC fined for PPI misselling - game over for them!!
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(As Seen on TV) 
Originally Posted by determindator
,it's gonna be a long one though, as the same person who mis-sold me the