Thread: Hello, newbie here PPI advice needed

Hello everyone, I am new to this site so please be gentle!

I have been reading all the info about the PPI and how to claim.

My Partner believes he was mis-sold a ppi by HFC in 2001 (the loan ended in 2007.)

He was told that the ppi was necessary to ensure the loan went through. The agreement also has pre-selected boxes.

I have already received all the paperwork from HFC via a S.A.R - (Subject access request) request.

I was wondering if somebody would be able to have a look at the agreement to see what he needs to claim back.

Many Thanks

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Hi BLUSH Welcome to CAG,Sorry i don`t know thw answer to you questions but You have come to the right place,there are lots of people on this site that will point you in the right direction.
Post your agreement minus all personal data and help will come soon
Cheers B4E

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Thank You blue4ever:grin:

Thanks B4E I will try and post the agreement up.

Another mis sold PPI from HFC!!!!! Did you know they have already been fined by FSA for this? My OH also had a PPI with them, again they told him he needed it to get loan- cowpoo. There will be templates on the site, sorry I can't post links I'm crap with computers but somebody more able than me will be able to oblige I'm sure Ours is in the hands of the Ombudsman- get you with your agreement, they can't even be bothered to send his out, just a "reconstructed" one. Good luck with this outfit!

Hi fedup74

Thanks for the support I have been reading around all the threads about HFC and they dont seem very nice!!

Hope you have some joy with yours.

Cheers
Blush
xx

Hi B4E

Thankyou for the link will go and have a read.

Cheers
Blush
xx

Morning all

Could anyone explain to me what the policies of insurance document is ???

Thanks
Blush

Hi

Could anyone advise as what I will need to claim back - does the loan have two PPI's ???

Thanks

Hi

Please could someone help!!

I think I would need to claim back £8426.04 is this correct??

Please could someone show me how to work out the 8% court interest or do I use the Contractual Interest of 22.9% ??

Thanks
xx

Hi Blush, sorry I can't see your agreement clearly even after zooming in, may be my computer(bought it off some bloke called Noah!!!) There are spreadsheets I've heard people mentioning on how to work out interest, never used it myself, sure someone will find it for you. I am relatively new so don't have all the answers, but plenty of support going out to you xx

Hi Fedup

Thanks for your reply I will try and post the agreement again so its clear.

xx

I cannot seem to copy and paste the documents !! The figures are below -

Life: 1386.37
ASU: 2550.79
Int: 3374.29
TOTAL: 7111.44

and the seperate insurance agreement (with same agreement number)

Crit: 528.00
Life: 60.47
ASU: 102.54
Int: 623.59
TOTAL: 1314.60

Grand total of £8426.04

Cheers

Hi all

Could someone please help me work out the interest.

Many Thanks
xx

Hello hellhasnofury

Monthly payments - The loan = £274.13 x 84 months

1st PPI = £84.66 x 84 months
2nd PPI = £15.65 x 84 months

Thanks
Blush
xx

Please could someone explain to me how to work out the 8% court interest or do I use the Contractual Interest of 22.9% ??

Thanks
xx

Bump