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
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I requested a credit agreement section 78(1) of the Consumer Credit Act 1974 from HFC bank.i sent my letter including my £1 postal order.received a letter from them today
here is the letter
hfc bank
RESPONSE TO A REQUEST PURSUANT TO SECTION 77 OF THE CONSUMER CREDIT ACT 1974 ("THE ACT")
DEAR******
WE write further to your letter dated ****09 the contents of which we note.We apologise for the delay in our response.
As you may be aware,the bank is not required to provide information under section 77 of the Act when a loan agreement has been paid in full.We confirm the above account closed on ****2006
We trust that now clarifies the position for you
yours *******
i think hfc is (Edit) ,can anyone help me pliz.what to do next
I've just been directed here by moroondevo52 to see if there was anyway we can get you started on a claim.
While they are not compelled to supply a CCA under section 77 you can send of a Subject access request (S.A.R) under the data protection act 1998 to get all data they hold on you.
I believe this is the route you should go, all the info on this you will find in the stickys at the top of this forum.
This info is vast so take your time in reading it.
You will find an S.A.R letter template in there too just copy and paste then edit to suit your needs.
Remenber to enclose a £10 fee this is statutory you will also have to allow 40 days from the time they receive it this is also statutory to allow them time to do a search.
Good Luck
Anymore questions post here and i will be along as soon as.
you know what i had 2 accounts with hfc the first one i took through dixons then the second one they paid off my barclaycard including the dixons loan they gave me .so right now i have 1 account which am paying.i want a refund on PPI on both accounts as i feel i was missold i remeber the guy telling me that if i dont take ppi they wont be able to give me a loan and it will increase the intrest .can you help how to approach it i want to avoid mistakes
yep.... received a letter from hfc requesting my ids driving licence or passport.my question is should i sent originals or copies.what about my signature aren.t they gonna copy them
Me Myself Vs Hfc
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