Hi Phatram, If i were in your position, i would send all copys of all correspondance to the above, what they are trying (in my view) is trying to put the frighteners on you, they have not fully responded with your request, so ask them again with all (as i said) documentation as proof of being sent, if they dont comply they are still in the wrong, WHAT MAKE A PHONECALL SO THEY CAN CHARGE YOU MORE, EVEN THOUGH THEY HAVE FAILED TO HONOUR YOUR REQUEST, Ball hooks my friend, if you've got them.......then use them, if you dont have them then courage is best, stand firm and send the mail ( correspondance), they can not enforce without complying to your request, then take it from there. Regards Gordon

Hi All, Just to say HFC have until 05/02/08 to come up with my request. If they dont then it's off to the OFT the FOS the information office, trading standards, then as of now i will be preparing my case in the small claims to fight a successfull 300 Battle. I am ready, let the fight begin. Regards Gordon

No probs:) ,it's gonna be a long one though, as the same person who mis-sold me the PPI give me mis-represented advice on what to do about payments as i had a change of circumstances back in april 2005, and subsequently due to that ill advice, HFC defaulted me in oct 2005 (did not find out till jan 2007) i have all details that an arrangement to pay was in place before HFC changed details on my credit file, i have all my payment history via bank statements etc etc, so they can "get s*****d", i aint goin anywhere, let the fight begin i say, it's their move now. Regards Gordon

Yeah that sounds about right!! as it says just above the boxes "tick as applicable", once i`ve recieved a reply from the letter i sent ( if i get a reply) it will all be documented and fully explained to the governing bodies i spoke about posting a complaint to. They cant say anything to avoid those details especially as i've been charged twice, the argument still and will continue to stand until i get a FULL REFUND WITH INTEREST!!!, so you just keep plugging away it takes time but the reward of justice will be complete when your happy with the result your looking for. Regards Gordon

Hi Will, They mean that N is for not having and Y is for having, hope this gives you the reply you want. Regards Gordon

Hi Alan, This is my HFC CCA, and as a reply I sent the letter (one of the links below)on the date of issue, i think this explains my stance and what i expect to recieve. Regards Gordon http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1a.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1b.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCADaramola.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCAdaramolaa.jpg

Hi Alan, Sorry for not replying, i`ve been away. Anyway that part 18 order sounds interesting and should state a few aspects of their selling paractises/ procedures " A NICE TASTEY COOKIE", on another note, i`ve recently recieved my CCA and with that a copy of my PPI or PPI`S as it were, meaning that i paid a seperate preminum for my PPI incl ASU from Hamilton (part of HFC) i`ve also been charged £3600 from HFC for PPI which is solely for ASU from HFC, and they are really going have to justify why they can and have sold me PPI and charged me twice for the insurance against the same PPI product, and obviously the PPI including ASU from Hamilton is a vastly tiny proportion to the later of the charge I`ll keep you up to date as my case continues. Regards Gordon

Hi, just to extend the years that HFC have been mis-selling, my loan with the PPI i didnt need was sold to me in August 2004. It we be very interesting how what may HFC try to prove that my PPI was not mis-sold. I am prepared for anything and have nothing to loose as its all gone thanks to HFC, so they are in for 12 rounds of resentment. Good luck. Regards Gordon

Hi PriorityOne, So basically their goosed, they seem to like arguing the toss about what we can and cannot except, stuffum,stick in there and we`ll all open the bubbly when they try and take us for granted. I watch with interest as i`m in a similar postion. Nice one Regards gordon

Hi PriorityOne, If HFC have removed contact details, and if they flog the account, will you have to go through it all again with DCA`S or whom may have taken the account over? or can you pre-empt their next strike?, just with my opinion, i would think that because HFC have not fullfilled their legal obligations, then surely "IF" they did sell, and who ever it maybe that takes it over surely they`ve no hope at all of a resolution in this case as at the first attempt HFC were and have been in default from the outset, if that is the case they are very very silly in the presumption that they`ll get what they want without any legal compliance. Regards Gordon

Hi Alan, The link you`ve put up is another good one, i wonder which of those outlined in the FSA handbook was acted upon or actually explaind to the/any individual in respect of specific products sold on behalf, i for one have not/was not given any advice concerning those points from the FSA, so the building of my case is increasing week by week. Hope your case building is going well also, i`ll watch with interest. Regards Gordon

Hi phatram, That looks and sounds similar to what i`m working on if HFC come back again with a silly uninformative piece of paper. Nice one, hope you are successful, i`ll keep watching. Regards Gordon

Hi, Yes its great news for us all, my PPI is aprrox £7000 incl interest, which of course was mis-sold as i was not advised that i could go through a different insurer, i was not told the true amount of the PPI ie payments on top of the loan,the tatal APR charged, and i did not think the person who sold me the loan had my best interests at heart as i explained that i was self-employed and she didnt advise me otherwise. Good luck to all claiming........"Bring it on" Regards gordon

Hi, So it has been proven that HFC have mis-sold PPI "GOOD", as that is my next issue to resolve among many. Cant wait "bring it on". Regards Gordon

Hi, I recieved the same lackluster response to a CCA from HFC, it`s a joke BUT!!! they have also said that they DO NOT have my original CCA. They have been trying to phone me for days now and today i got to speak to them, the person i spoke to didnt know what a CCA was (or so he said) and he said that he could`nt understand why this was another complaint, so i explained that HFC are in default and are in summary default by admiting the do not have my original CCA, therfore can not enforce any agreement i have with them, i have also sent for SAR )Subject,Access,Request), they have a copy of my passport so i should have that by the end of feb, as for the CCA they are on the backfoot and when approx 16 days are over if i`m no further forward with my CCA request then i am sending a big complaint to the OFT/Trading Standards/ the Information Comissioners Office. Do you know of what penalties the above groups can enforce as i have other issues, the mis-selling of PPI being one of them.? Regards Gordon

Hi pt2537, It`s good to hear that institutes that are willing to take our money, whom have a lawful responsibility to manage the data that they have concerning agreements that we have with them, find that if they cannot comply with a statuary request.....can get filled with stuff:), good on you mate, good research, hope you get a deserved result, i watch with anticipation . Regards gordon

Hi hopeful1, I sent my request for my CCA on 19/12/07 so they are in default as of now and only have a few weeks before they are in summary criminal default, they have also said that they do not have my credit agreement, so i`ll wait and see what they say after they have recieved my letter. Thanks for the advice. Regards Gordon

http://i272.photobucket.com/albums/jj161/nodrog1972/GordonHFCCCAresponsemain1a.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/GordonHFCCCAmainresponse1b.jpg Thanks for the tip ,here is my letter, any comments would be appreciated. Regards gordon

cheers badger,i forgot that point

just to let you know, that i sent for my cca on 19/12/07 recorded and recieved this attempt from HFC today, so i`ve typed up this letter today hope it sounds ok. regards gordon

http://i272.photobucket.com/albums/jj161/nodrog1972/GordonHFCCCAresponse.jpg This is supposed to represent my legal credit agreement!!!!!!!!!

Hi everyone, i recieved my cca from hfc, and all i can say is that it all tosh, No documentation just figures and i can tell you that everything is incorrect apart from the monthly instalment of £301.12, as you can see hfc also explain they do not have my cca, so ball hooks to them, i new they didnt have any documentation at all for my loan, this is the first step in my quest for redemption from the hands of these bar stewards. Any advice would be great. regards gordon

http://i272.photobucket.com/albums/jj161/nodrog1972/HFCCOMPLAINT.jpg Above is the letter i was talking about, i pasted the wrong letter. Regards gordon

Hi Alan , I sent them a postal order for the S.A.R - (Subject Access Request) (SUBJECT ACCESS REQUEST), i have copied the letter that seems to be a reply concerning my so called complaint, as they cannot resolve the so called complaint probably proves that they are on the back foot, i have also enclosed a letter i`ve just typed up, can you give me your view on the wording. Reagards gordon. http://i272.photobucket.com/albums/jj161/nodrog1972/HFCSARfollowup.jpg

Yes Alan, I did everything the way it should be done, and as for the letter, i suppose that is their acknowledgement as i have not sent for any other info. Regards gordon.