Nat West and HFC PPi Claims

**knights templar** · 14th September 2011 14:14

Hi Every body;

Contracted two loans each from Nat Westand HFC Bank ;

Nat West Loan was a combination of loan and overdraft icon

which the bank advised me to take.
Defaulted on both loans due to unemploymement.

Nat West and HFc obtained a CCJ.

Payment in order since Court order.

Can I apply for refund of the PPI icon

on both loans from both banks although there is a CCJ on both loans and how can I effectively do this.

**dx100uk** · 14th September 2011 14:58

read up in the PPI icon

forum

and yes you can reclaim the PPI

what about unlawful fees too

bet you had loads on the HFC one.

you indicate TWO loans
one Natwest icon

one HFC

both have individual ccj's?

you'll need to make a thread for each claim

http://www.financial-ombudsman.org.u...notes/ppi.html

do a customer complaint form and SOC for each

if you've not got the agreements/statements
you'll need to SAR icon

each first

dx

**knights templar** · 14th September 2011 15:29

Hi Folka, Thanks for the quick response to my query; I send each bank an SRA but I am not quite what an SOC is . can you help? Brilliant response knights templar

**dx100uk** · 14th September 2011 16:08

soc is schedule of charges spreadsheet

see ims21's sig for a version

as for hfc address
have a look in the hfc forum stickis?

dx

**knights templar** · 13th October 2011 16:32

Hi Cags;
Received a letter today from HFC rejecting unlawful charges on grounds that charges were legit
because on groumds that payment was returned unpaid ; but was eventually paid and that charges were fair and reasonable.

They go on to quote OFT regulation2006 which they claim HFC did not accept
but then went on to say that for commercial reasons they accepted it ;
but that those chages did not affect charges that had already been applied.

Any comments on their reasons for rejection on my claim for default charges;

secondly HFC comment that my PPI icon

application is being dealt with under separate cover.

Any comments?

**dx100uk** · 13th October 2011 22:12

usual rubbish

write back giving then 14 days before you start a complaint with the fos icon

no co. will rollover on your first letter

esp HFC!

their charges ARE unlawful, they are a PENALTY.

dx

**knights templar** · 14th October 2011 08:44

Hi dx100uk, Thanks for yours; will contact HFC again to reconsider position on rejection and then will read them the ' riot act'.

knights templar

**PPI Complaint** · 1st January 2012 23:55

Hi

If you have county court icon

Judgment have you tried making a claim for the claimed debt to be repaid via PPI icon

The DISPUTE Resolution Rules 2010 for PPI as documented by FSA provide the ability for a potential claim on the PPI and for the PPI to payout the Debt.

This would clear your debt and the CCJ

I would very much like to know anyone that has tried this in Court.

PPI was to help everyone to repay debts rather than end up with CCJ but so far Banks winning

**dx100uk** · 2nd January 2012 00:02

it will be worth more to reclaim it

dx

**dx100uk** · 2nd January 2012 00:02

thread tidied

how are your claims going KT?

dx

**knights templar** · 7th January 2012 10:51

Hi dx10uk;

Sorry for the long delay ; have being on holiday icon

;
received responses from Nat West and HFC on PPI icon

claim ;

Nat West claims that according to their records no PPI payment made on loan and
HFC states that the PPI payments were later with drawn by me ;
this I find puzzling;
but received a refund from Black horse less tax;
I must say the cheque is handy as I just came back from holiday;
I plan to pursue any bank charges on the Nat West loan which I defaulted.;

as for HFC; I will request formal details of all documentation on the loan as I do not have details of the agreement to find out whether what they are saying is correct

;
you can't trust these 'alleyway[EDIT] ';

Any ideas or suggestions.KT

**knights templar** · 20th April 2012 09:17

Have just received an offer from Nat West Bank for a reclaim of my PPI icon

application;
but they have put a conditionality of acceptance that the pay out will be offset against the balance of the loan;

which I have expressed concerns on grounds that the loan is curently being paid off after a county judgement and payment are up to date;

secondly the PPI as I understand it is an unfair and illegal charge on the loan by the bank.

Any comments on my line of reasonning to Nat West Bank for the refund to be paid directly to me?

**dx100uk** · 20th April 2012 10:51

they cannot offset against the whole of the balance even with a CCJ
thats unfair to your other creditors.

just remember its a civil debt so PPI icon

is unlawful not illegal [thats criminal matters]

i would write back stating you will not be bound by any conditions.

the debt is being paid off through the CCJ

there is no authority in the judgement box that allows them to do that

in effect they are going against the ruling of the judge.

dx

**dx100uk** · 20th April 2012 10:54

how does the PPI icon

refund measure up to you soc figure

dx

**knights templar** · 20th April 2012 13:13

Hi dx, Thanks for your quick response; I will dispatch a letter t to Nat West as soon as possible; detailing the grounds outlined ; why Nat West's conditions oon the refund of my PPI icon

is not acceptable. Thanks very much and will get in touch again.

**knights templar** · 5th May 2012 20:28

Works on part-time basis for a transport business ; but lately do not get much work; what are my rights under the employment act; have been with company for over 5 years ; just keep quiet or ask company to find me work or make me redndant any suggestions?

**dx100uk** · 12th July 2012 18:47

Natwest

, hfc now Lloyds icon

you really should have a thread for each
dx

**knights templar** · 24th December 2012 11:46

Hi CAGS ; Happy christmas and Properous New Year to every one !!!!!!!!!!!

Have just received a letter from Nat West Bank accepting liability that the following charges were applied to my account between the periods 1904 to 1912;

these included upaid item fess ,
account keeping fees
and unarraged borrowing fees;

is it possible to claim back these charges from National Westminster Bank icon

?

**dx100uk** · 24th December 2012 15:45

1904?

were these bank account charges

if so very diff?

dx

**knights templar** · 25th December 2012 09:46

hi dx 100uk; Sorry made a 'boob' on the date ; well spotted; the date should be 2004 and not 1904; I quote from letter sent from National Westminster Bank icon

; ' ftom your current account -I have reviewed transactions data between 09/12/2012 and 02/3/04 and can confirmthe total amount in charfes applied was £942.82' ; can I make a claim as it clearly states they were charges.

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