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I sent a letter to HFC to inform them that i was mis-sold PPI. They have sent a letter back saying there was no PPI on my £2k loan. I still have the orginal which states it on the agreement.
Do I go straight to fos with a copy of the agreement or send HFC the copy?
After sending them a copy of the original loan agreement, the have come back with an offer. But this is only for the first loan that lasted 8 months then extended due increasing the loan by a further £1k. So i have replied to them with the follow letter.
Any input welcomed.
I am writing in response to your letter 16th February 2010. Firstly I would like to thank you for your immediate reply to my formal complaint regarding the mis-sold multiple policies for the above unsecured loan.
You have calculated that only 9 premiums from 2/2/2007 to 2/10/2007 have been paid, the loan amount was extended to £2000 from the 2/2/2007. The calculations you have stated is for this flexible loan is £0.79 per £100 of the outstanding balance.
I have also requested a full explanation to why I was have not been at any given time contacted for remedial action agreed with the FSA after:
Hfc being fined £1.085 million for PPI failing to take reasonable care to ensure that the advice it gave to customers to buy Payment Protection Insurance (PPI) was suitable, and for failing to have adequate systems and controls for the sale of PPI.
I would like to stress that I am most definitely not in the financial position I would be in had these policies not been sold. I am sure on checking my account you will find that I have been an excellent customer and always maintained my payments but I feel I must point out that I have been experiencing financial hardship for some time now and this is only escalating as the loan continues.
It is not my intention to prolong this formal complaint and I trust I will receive a Full and final response and that this matter shall be concluded with the eight weeks time frame otherwise I will be left no other alternative in contacting the Financial Ombudsman Service to investigate my complaint fully.
Many Thanks for any input
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. They have sent a letter back saying there was no PPI on my £2k loan. I still have the orginal which states it on the agreement.
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