So as long as they have my address details they should do as i have asked?. Regards:)

Thank you PriorityOne, I'm just getting to understand how to communicate with the group, so i applogise if in any way i may come across as being silly. Regards

Do i need to request a SAR, is there anyway i can access those past accounts? Regards

Sorry Alan, still getting used to where to post messages from, Sorry again, i'll get better Regards

Hi Again, Since 10/2002 to 08/2004, i have had 3 seperate finance agreements, though i dont have the account details, i do have the agreement start and end dates, if i were to request a CCA, can they provide me with the documentatuion . Kind Regards

Hi everybody, Dating back to 10/2002 and continuing to 08/04, i have had finance through HFC/Beneficial finance with 3 seperate finance agreements, but don't have account details, if i were to send them CCA, with the dates, when the agreements were started and ended, are they obliged to forward me the details of all 3 accounts?. Advice would be greatly appreciated. Many thanks. :smile:

sorry wrong thread:confused:

Thanks Alanfromderby, Your pointer will help me a great deal, as i am eager to reclaim and most of all it will make them realise that i am not going anywhere, also, i have had a look at your template,do i need to have my signature on the form or will a digital signature be sufficient ?, as you ware of the tricks they can try and pull off. As i have sent a CCA with a digital signature,are they obliged to also include my PPI, wil i need to make a payment for such a document? Your advice would prove very helpfull. Regards Gordon

Hi Paul, Thanks for your interest in the courses that i intend to take through the OU, I'll take you up on the point, that you could point me in the right direction, "nice one bud" many thanks. I've sent the CCA so here we go. Regards Gordon

Hi outhere, I've been to the ombudsman and realised that HFC/Benificial Finance are a group of people that dig you a whole and throw you in. Although not everyone lies down an takes it, as i can see from this site.I am posting my CCA in the morning, but in order for me to stand a chance of taking outright legal action against my bank, there is one thing in particular i need. I need to prove that i was mis-sold my PPI as i was self-employed, which, when i informed the person dealing with my application for a new loan wasnot interested at all. I understand that the banks make a huge profit from (edit) like these, so i want my money back. I spoke to hamilton insurance, and asked them to send me copy's of what i was covered for, i also phoned Benificial Finance, and made the same request, this was on 13th Nov, on the 15th i recieved a letter from the manager, it went like this, "thank you Mr Sanderson for contacting me and making me aware of your complaint", i then thought "aye" here we go again, they are trying to cover their tracks once more, as i've have not spoken to him since the begining of the year, when i found out that i had a default on my file, (issues being of a different nature,that i am persuing), which had been stuck on my file ,and, that i didnt even find out untill the begining of 2007. But the best part of all this is that the person who sold me loan, sold me the PPI and then defaulted me wthin 12 month, after me taking her advice on what i needed to do, as i said ,i've got approximately three major issues, and if i can prove that i was mis-old PPI, then either that lady or hopefully the sly manager will comes to pay, as well as a nice little earner for myself. If anyone has any knowlegde or a direction they think i should take plaese let me know, as it would go a long wat to sealing a just victory. Regards to you all:)

Your a star, As i said i'll keep you informed bud!! Kind Regards Gordon :D

Just me again, When requesting PPI is that procedure similar to the CCA? Regards:)

Thanks a great deal, i'll keep you informed, it's gonna get interesting coz it's already been a year since i started, and i aint goin home with anything less than what i want. Regards:)

Hi Again, Yes, that looks simple but more effective , and i can understand the reason for not giving my signature, i might get a response after new year hopefully, then which direction, i need to get the person before i get the loan sorted surely? Regards Gordon:|

Hi again, Yes the account is still open but in default, i am paying half the cotractual amount £152.00 per month. There have been many issues regarding my monthly payments. In March 2005 i seperated from my fiance though be it briefly, i approached HFC bank informed them that i could not make full monthly payments, though i could make half the contractual repayment "UNTIL" my circumstance changed. I was advised to make a total of three more payments at half the contractual amount, then i would qualify for a loan restructure, which, would have no affet on my credit file. I then did what i was advised, though instead of making three payments i made four. After these payments had been made, i recieved no communication at all, so contacted the bank in august, said that no payment would be made until my request had been honouredIthen continued with septembers payment (half the contractual amount) and set up a direct debit, when the payment was taken from my bank it was for the full contractual amount of £301.12, so of course it was later reffered back to HFC from which the defaulted my account. When i sent all the information to the ombudsman, HFC lied to them and said that no payments were made OCT/NOV 2005, and also that none were made OCT 2005-JAN 2005.According to my bank statements december's payment was not made due to the fact that i changed my payment date in OCT 2005, so of course HFC decided to take the payment on the new date and did also on the old payment date, which they claim to be in arrears, and with regards to OCT 2005-JAN 2006, their own statement of my account shows that payments were made. that and many other lies and tricks they have tried. Reards Gordon:)

Hello Again, I'm starting off with Rules, Rights and justice An introduction and i am really looking forward to it. The letter asks, that , i have requested exact copies of the original loan documentation,with, total loan amount interest and monthly repayments including full APR breakdown, together with total and exact copies of the original PPI, including total interest and monthly repayments including full APR, this is a shortened version but you get the point, i have explained to them exactly what i want simply and easy for them to understand, i have also explained the time scale among other aspects. regards:)

Hi Everybody, I've sent HFC bank a letter requesting my legal agreement,but i also have lots of evidence to show that HFC have lied to the ombudsman about my account, i was also defaulted in 2005 but didnt find out until i applied for credit in 2007, does anybody have a direction in which to persue first ie the lies or the default. Many Thanks:)

yeah skb, advice taken.:o

Hi Gizmo, i dont no wether you've seen my post but i've a question (im looking through the consumer act 1974) i've been to the ombudsman with HFC bank and had my case reviewed twice and failed BUT!!! i have lots of documentation that states that HFC bank has lied to the ombudsman in loads of areas concerning my account, i looked about for a while and took your advice on the uneforceable understood it and have acted upon it, 2nd issue is that HFC defaulted me in 2005 and i didn't find out till jan 2007 so thats how it all started, i'm trying to find if i can request any documentation concerning this default as it was news to me, any links/advice to put me in the right direction would be greatley recieved.. Cheers bud:)

Great advice GIMZO nice one

:p Hi Everbody hope your all well, Just to get my story up and documented for you to read. I have been a customer with HFC bank since 2001 and 2007 was the last straw. i applied for a credit card to change to 0% interest but got refused, then i tried somewhere else then was refused also, so i requested my credit file and would you believe it HFC bank defaulted me in October 2005, so i started leagal proceedings straight away, ( i split with my girlfiend for a short spell march 2005)i approached HFC stating i wish to reduce my payments and extend the loan term, i was advised that if i make 3 reduced payments i would qualify for a "loan restructure" and this would have no adverse affect on my credit file, which was totally untrue, HFC also stated that payments were missed Oct/Nov 2004 this proved untrue as according to my bank statements from the previous 6 year that a total of 1 payment was missed in Dec 2004 due to HFC bank trying to withdraw 2 payments from my bank 1 payment being a new payment date and the 2nd being the old payment date that they did not cancel. So being ill advised on the procedure and HFC incorrect statements my solicitor and i took the issue to the ombudsman, among the original lies and utter denial that any agreement took place before Jan 2006 HFC bank also stated that no payments were recieved Oct 2005-Jan 2006, i have an original statement from HFC stating that payments were made and basically they lied even to the ombudsman among countless other errors from HFC bank the latest thing is that i,m changing jobs and told them i wanted to change my payment date from the 6th to the 28th commencing 28th november, shortly after i recieved a letter from Beneficial 9th Nov stating that my payment date had been changed and that it would start from "DECEMBER", great i thought they have messed up, so then i started recieving dirty threatening letters from the 12th Nov stating that my account was in arrears and that i had not made my October payment as they said it was due on the 28th i just burst out laughing this was typical HFC they havent gat a clue, so they have been phoning everyday asking when i am going to make Nov payment my reply it's your error you sort it and i said if you wish to communicate then i insist you contact me via the postal service. All HFC has done is blatantly lie to me my solicitor and the ombudsman and the best part of the whole issue is that the person who miss advised me sold me the loan and missold me PPI insurance as at the time i got the loan i was selfemployed so the story just gets better so theres another issue i can challenge them with, a little time after the new year i have informed my solicitor that i have lots of evidence to show that they have lied to the ombudsman and basicaly made a right hash of my account so HI HO HI HO IT OFF TO COURT WE GO i cant wait. Please Please no matter how small the information maybe from you bank "YOU MUST KEEP IT" you never know when you might need it. I hope my story has been of interest, i'll keep you up to date as i progress