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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 original which states it on the agreement.
Do I go straight to fos with a copy of the agreement or send HFC the copy?
Hi,
I'm no PPI expert but it seems to me that if it is stated on your agreement, PPI was included and your statements match the amounts of the agreement then PPI was included. I would complain to HFC first and see where it gets you. You need to have exhausted their complaints procedure before the fos gets involved
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Here is a copy of the letter that i was thinking of sending, any feed back welcomed. Thanks you.
I am writing further to your letter dated 26th January 2010 in regards to:
‘Upon reviewing your account, our records show that there is no PPI policy in place for the above account, and we have no record of a policy being purchased by you. Therefore I am unable to agree that PPI has been mis-sold on the account’
Please find enclosed copies of the loan account ******* taken out on the 27/6/06 for £1000. It clearly states PPI insurance mis-sold to me. The loan was then extended on the 29/10/07 to £2000.
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 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.
Here is a copy of the letter that i was thinking of sending, any feed back welcomed. Thanks you.
I am writing further to your letter dated 26th January 2010 in regards to:
‘Upon reviewing your account, our records show that there is no PPI policy in place for the above account, and we have no record of a policy being purchased by you. Therefore I am unable to agree that PPI has been mis-sold on the account’
Please find enclosed copies of the loan account ******* taken out on the 27/6/06 for £1000. It clearly states PPI insurance mis-sold to me. The loan was then extended on the 29/10/07 to £2000.
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 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.
Hello Zoommjpzoom.
IMO it is time to claim your money backGo straight to the Financial Ombudsman Service, send them copies of all correspondence both ways so far and keep copies for your self.
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.
Well HFC have come back with an offer including the 8%, but on the workings they have put down only 9 PPI payments made by myself. Which was from the start of the first loan until i extended the loan by a further £1k. Which i have had for over 2 years now.
I would have thought that it would have rolled into the top up loan? am i wrong?
Well i accepted the payment from the first loan, i signed the form with all the bank details to pay the money. No money has been sent and this was back in April!!
I have written to them to ask why? But where do i stand if they dont pay to what they have agreed to?
Cheers
PPI vs HFC - ongoing
PPI vs Crap 1 - ongoing
PPI vs Halifax one card - WON
CPW- ongoing to remove default
Zoommjpzoom V HFC/Benifical
. They have sent a letter back saying there was no PPI on my £2k loan. I still have the original which states it on the agreement.
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Originally Posted by zoommjpzoom
