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Hi all, new to this site and i am looking for some quick advice please? I wrote to HFS seeking redress on mis-sold PPI.In 2003 we took out a loan for 15000 and were sold a single life cover which we thought was for the 20 yr term. We settled up 2 yrs ago, earlier than planned by more than 15 yrs but now we realised that the insurance didnt cover us for the whole term and was only valid for 5 yrs. they never told us that, so i sent a letter off to HFS who are now Capital One. they ignored the fact that it was missold and sent a copy of their copy which was dated 03-02-09. their copy was not the same T/C as our origianl copy , theirs states that it was only for 5 yrs but it seemed to be a standard copy because it didnt have our signatures on it and ours does not state the length of the loan insurance. I wrote to the FSO who got in touch with capital one and yesterday we got an offer of £1375.01. The last paragraph of their letter states; I understand from your letter that you intend to take this to the Financial Ombudsman Service. I need to make you aware that this sale falls outside the jurisdiction of the fos and therefore they are unable to arbitrate on this case. The reason for this is that the FOS only adopted powers to decide on general insurance complaints where the sales took place after 15 Jan.2005, unless the firm concerned was previously a member of and signatory to a volluntary code operated by the General Insurance Standards Council (GISC) or the Association of British Insurers (ABI). HFS loans was not a member of the GISC.
Now at the bottom of our copy of the loan dated 2003 it says that HFS is a member of FISA,The mortgage Code,and two other societies that i cant read. My question is should I accept or what my gut tells me which is , a)if they were so right, why make an offer and b) they are lying and they have two copies, one which they send now to their customers and ours which is signed by us and does not state anywhere about those 5 yrs? Please advise someone,and many thanks. Ballycastle
I think you should hold off on accepting their offer. I would send of a SAR to ascertain what docs they actually have.
meerkat xx
Can I just confirm this is HFS and not HFC?
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
In the register just type in the firms name and hit the submit you will get several results most likely and you can click on the links to get more information on regulation etc etc
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thanks,alanalana, it was the HFS who were taken over by Capital One. I had been in correspondence with them over the past 8 months and our copy of the terms and conditions is with our signature on it and does not state coverage of 5 yrears, it says nothing. their copy is just a print and has a box that says after 5 yrs the ppi is only a 60 month loan, but it is dated 2005 and our loan was taken out in 2003 so they have introduced a new copy 2 yrs after ours. They also stated in the first letter that they had no phone call to dispute our claim of not being advised of the 5 yr coverage (that's because we never were). so do you think we should contest, in fact we will, i have read yours alanalana and i am going to include the interest as well. It is the deceit and lying that gets to me and the complete arrogance of these people who already are living off the fat interest of the loan.
Well guys we accepted their offer and posted it nearly 3 weeks ago. Since then nothing... no deposit so i sent a letter stating that if we had not received payment within 10 days from the date of this letter we were going back to the Ombudsman. i posted the letter on Monday 23rd recorded delivery and still nothing!! It is now 3 days since it was posted and they would have received it on the Tuesday, the next day. What should we do? I tried phoning before i sent the recorded letter and was told that the department only deals with written correspondence and the guy on the phone hadnt a clue about PPI only in dealing with credit cards!! I really need some advice here. has this silence anything to do with the bank reclaim charges? They made the offer we have accepted so where is our money?? any advice greatly appreciated. maryx
Well guys we accepted their offer and posted it nearly 3 weeks ago. Since then nothing... no deposit so i sent a letter stating that if we had not received payment within 10 days from the date of this letter we were going back to the ombudsman. i posted the letter on Monday 23rd recorded delivery and still nothing!! It is now 3 days since it was posted and they would have received it on the Tuesday, the next day. What should we do? I tried phoning before i sent the recorded letter and was told that the department only deals with written correspondence and the guy on the phone hadnt a clue about PPI only in dealing with credit cards!! I really need some advice here. has this silence anything to do with the bank reclaim charges? They made the offer we have accepted so where is our money?? any advice greatly appreciated. maryx
Once you have accepted they will be in no rush to pay up but if the delay extends to weeks back to the fos
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have typed letter to fos and on monday will be sending it recorded delivery because that is when the 10 days are up. so we will see what happens next. thanks alanalana
PPI- Help!!HFS now Capital one
.In 2003 we took out a loan for 15000 and were sold a single life cover which we thought was for the 20 yr term. We settled up 2 yrs ago, earlier than planned by more than 15 yrs but now we realised that the insurance didnt cover us for the whole term and was only valid for 5 yrs. they never told us that, so i sent a letter off to HFS who are now Capital One
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Originally Posted by meerkatsmimm
