Thread: Tom vs. HFC (Beneficial) £???

Originally Posted by heavy_t

So far I'm at the stage of having sent a Subject access request to HFC and still awaiting a response. The deadline is Feb 19th

Have called them to check that they are dealing with it and they said yes and I got a slightly shirty "we have got forty days you know" response.

Hopefully keeping a journal in this thread will motivate me to keep on top of it and not let them get away with anything.

Well done so far keep us posted of any further developments.

Well, I finally got the statements a couple of days before the deadline and the claim is for £415.

First letter has now been sent to them , special delivery.

Bit of a setback, I've received a standardised fob off saying they're not coughing up. I was rather hoping they might pay straight off the bat with such a small claim. :cry:

lba next I think

I tried to call James Ball a couple of times but couldn't get hold of him I sent my lba on Friday which makes Monday March 6th my deadline for a response to that one.

I got an offer of half the money today, so I've gone ahead and filed a small claim. £522 now with the interest

I guess this would have been easier if I'd been able to get James Ball on the 'phone but I have sent a letter today rejecting the offer of half the money and advising that I have filed a small claim for the full amount plus interest and costs

I have received an acknowledgement of service today from the court saying that the defendant now has 28 days from the date of service (7th March) to file a defence.

Looking at the form it seems this is just a delaying tactic as they now have more time.

Hi all.

I need some advice now. I've received an offer to refund the full (original amount claimed) of £415 which I would have been happy with at the start, but having already filed the court claim I'm not sure what position this puts me in.

I can accept this but what do I do about the online money claim, which cost £80 to file?

Originally Posted by 100%WHU

I would ring the person who made the offer, tell them that due to there delaying tactics, you have now paid out £80 for the online claim. If they wish to settle then ask that to be included, or you will continue with your claim. Unless you of course are happy to lose £80 , then take the offer, but I know what i would do

Thanks. About the £80.... If this was a big claim in the thousands I would be happy to lose it, but it's actually a fair percentage of the claim of £415 so I'm not really willing to say goodbye to it.

Ok, here's the plan. I am going to write back to them saying that I accept their offer but only on the condition that they also refund the £80 court costs.

I will type out a new acceptance form to my own layout and include the court costs.

I am quite happy for the money to be paid off against my card as I am going to pay it off anyway. Only when the money is definitely back in my hands will I withdraw my court claim.

James rang me today - nice chap - and said he is happy to refund the £415 plus £80 costs, so I'm happy with that

Originally Posted by fire fox

Well done. Who is James? Where is he based? I had a letter from a complaints Manager named Rachel Daramola-Martin. Before I send my lba do you think I should call her or send it first then call her? Questions, questions, questions.

He was the guy dealing with my complaint. Considering what a thankless task it must be dealing with all these claims, I think he was very pleasant to to deal with.

Based on my experience I think you should go ahead and send the LBA. It seems from my case and others I have read that HFC offer half after the LBA. I think with HFC it's worth calling them after you get offered half to see if they will up the offer to 100%, and only go ahead and file the court claim if they're really not budging.