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.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
After using this site the past couple of days and realising what a huge help everyone is on here, i am asking for help again.
Myself and hubby took out around 3 personal loans and 1 secured loan with HFC/Household, or what ever the hell they are called, between 2001 and 2005, eventually the secured loan nearly lost us our home in 2004-05, we borrowed about £8000 and ended paying back over £21,000 around 10 years early. PPI was single pre. the apr was nuts let alone how much we paid.
Anyway we have been back and forth now asking for the money back for around 6 months, and we had a final response a few weeks ago saying no you were not mis-sold and you cannot have your money back, well we paid the loan years and years early for a start, we were hounded to take the PPI, even after telling the silly girl in cardiff branch that hubby had a serious back problem, she told us oh you'll be ok your covered, as long as you haven't got Cancer ot anything like that????????? yes that's what she said. They were ringing us about once a week in the last year we were with them, hounding us to borrow more, even though we could not make the lesser payments, anyway as i have said they are not playing, the last letter i sent them was in jan, they were taking ages getting back so i contacted the fos, they had written to them asking them to conact us asap, inbetween this we got the final letter saying no, nope not a chance in hell are you having the money back, we have calculated it's around £8,000???? my god what a difference this could make to our lives?
I want to write back and say sod off we want our money, but i am crap with words, to be honest, i just get really angry, start swearing and never get my point across, can someone help me please, if you need details let me know, please can someone help, if we get this money back we can pay off out mortgage arrears, and we will be free for once, thanks in advance
After using this site the past couple of days and realising what a huge help everyone is on here, i am asking for help again.
Myself and hubby took out around 3 personal loans and 1 secured loan with HFC/Household, or what ever the hell they are called, between 2001 and 2005, eventually the secured loan nearly lost us our home in 2004-05, we borrowed about £8000 and ended paying back over £21,000 around 10 years early. PPI was single pre. the apr was nuts let alone how much we paid.
Anyway we have been back and forth now asking for the money back for around 6 months, and we had a final response a few weeks ago saying no you were not mis-sold and you cannot have your money back, well we paid the loan years and years early for a start, we were hounded to take the PPI, even after telling the silly girl in cardiff branch that hubby had a serious back problem, she told us oh you'll be ok your covered, as long as you haven't got Cancer ot anything like that????????? yes that's what she said. They were ringing us about once a week in the last year we were with them, hounding us to borrow more, even though we could not make the lesser payments, anyway as i have said they are not playing, the last letter i sent them was in jan, they were taking ages getting back so i contacted the fos, they had written to them asking them to conact us asap, inbetween this we got the final letter saying no, nope not a chance in hell are you having the money back, we have calculated it's around £8,000???? my god what a difference this could make to our lives?
I want to write back and say sod off we want our money, but i am crap with words, to be honest, i just get really angry, start swearing and never get my point across, can someone help me please, if you need details let me know, please can someone help, if we get this money back we can pay off out mortgage arrears, and we will be free for once, thanks in advance
Hello Lillymay,
Did you know HFC has been fined heavily by the financial services authority for mis-selling ppi So there is more fuel to the fire for you.
Can you tell us the whole story regarding your complaint to hfc etc.
Was there ppi applied to all of the loans??????? What did you ask for?????
If they have sent you a final response letter, they do think they are off the hook
If you can tell us everything, we can maybe help
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
If you have scanned the document and it is in your file system. You can do a right or left click depending upon which end of the text you are at and run the mouse over the text you wish to copy that's a right or left click of the mouse and go over the text you wish to copy and paste into the relevant post . When you have highlighted all the text you want just copy ........... then find the thread link you want to paste the text into and then paste and Bobs yer uncle we hope it copies the same on any links you have in text.
this is from your post..........
hi hell
i have scanned the last letter how do you uplaod you can have a look then, and i have not had a pm from you either
I will try here to post from one of my posts.... check out my links thread
this is copied from another thread but it may help... links
Had another final letter from HFC saying that we had a partial refund when we paid the loan early? news to us
Hello LM
MM another final letter eh and did they state what the partial refund was???????
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
HFC/Household bank what ever, my problems
was single pre. the apr was nuts let alone how much we paid.
Reply With Quote
Re: HFC/Household bank what ever, my problems
Originally Posted by lillymay1975
So there is more fuel to the fire for you.
and did they state what the partial refund was???????