Thread: New member.......Need HFC Advice Please

Hi everyone

I recently joined the site for advice on an ongoing problem with MBNA.
After a lot of advice had been given last week I began to feel a bit better and not so stressed.
But now I have just been hit with a blow.
I took a loan out with HFC Bank and currently I am abroad but money for the repayments was being put into my bank account for a direct debit that comes off on the 21st of each month.
Yesterday I got a call from my dad at home in Ireland to say a letter had arrived from HFC saying that my account was in arrears by 501euro and that I had to contact them immediately to avoid charges.
At first I couldn't understand what had happened and thought there must be a mix up but upon some investigation into my internet banking it would seem that on two occassions (last november and in january) the money was late going in to my bank account and therefore the direct debit was refused.
I have to try and contact them today to sort it out but am wondering can anyone advise me as to whether or not they can take action or charge me?
Please help!!

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Hi Tiglet

Thanks for the reply.
I know they can add on charges for late payments but what I meant was can they charge me legally because of two late payments.
I spoke to them yesterday evening and they are going to get back to me later today.
They said I had to make three payments before the 1st of June to bring it up to date but I can't afford to do that. I know it's my fault that the money wasn't in the account on the right day on the two occassions mentioned but I can guarantee it has been in on time since January (the last time it was late) and will continue to be from now on.
I have had the loan since February 2006 and had never ever missed a payment before. Hope they can sort something out. Do you think maybe they would accept me making the payments to bring the account up to date at a later stage when my financial situation has improved slightly?
Thanks for the help

Well it seems things aren't quite as bad as they first seemed.
HFC called me back yesterday evening like they said they would and said that they would restructure the loan for the two missed payments to be added at the end.
That was a result for me as I couldn't have made the three payments before the 1st of June.
When I spoke to them on Tuesday evening the guy didn't seem to think it was very likely that they would agree to restructure the loan so I wsa quite pleasently surprised to receive their call and a positive answer yesterday.