Good luck bazak1 I had a straight fat no on my claim even though it was a miss selling they argue it was not miss selling when it was blatantly it was let me know how you get on regards

mfl

Hi ukdarrenfan I'm from Surrey as well the paperwork is the original credit agreement with the loan and the PPI insurance plus extras we queried this at the time before signing the agreement and were told if we did not take this out we could not the get the loan , I'm aware of the yes car credit nightmare programme ,this programme should be foundation that the companies cannot refuse your request on a refund on PPI because of there underhand tactics, ad FOS I don't think they would be quick to deal with loan companies only with banks misspelling that my opinion .

Hi to all I am going to ask advice on this again I know it been some time away on this but I had no free time on trying to get my PPI back from this company .

As I see from other threads it seems since this time quite few have tried to claim back form yes cc /daf, but in my case after 18months of a rejection letter is it still possible to try to claim back ppi from them I have the original signed documents the loan has been paid finished and it was taken out in 2005

Regards

MFL

TO ims

I will investigate and will let you know thank you .

Just had a letter from DCA owed by Robinsonway they are now owned by HOIST group ? as i said no corresspondence from HFC until my request of a refund so im in limbo for PPI refund as they wont pay although they admit mis selling ..................

Hi

could i have help on this one with HFC way back in 1997 my husbabd took a loan with ppi , after a year my husband had problems to pay it , made a mistake on going through a debt mangementt co to help but distereous so the loan went through their solicors and ccj ,but the loan has been bumped on to a debt company and paying set amount snice , no other correspdence from HFC since then, until now as I irequest a ppi refud which i found paerwork and they admitted mis selling. The leter from HFC say will not pay direct ppi back to DH because he breach the agreement with them going into arrears those years ago ! what is the situation with HFC i know thay were scruplious and we were niave with this thr is a balalnce still outstanding on the debt but good amount ppi to come back .

simple good advice would be appreciated

thanks

It smells alright

Restons done us over at the time and put a ccj on the debt we had with HFC

it was a 4k loan but the ppi was at least 2k !

he paid the debt over a year but lost his job

we had problem with the debt also

at the time we sought help with a debt mangement company

another big mistake that was

why he ccj against him very bad situation very messy

but as i say it was bounce around but suill paying the same amount .

i will have to dig out more paperwork x

This debt is over 17 years and the ccj was put on 15 years ago

the debt has been bounce around from differnt DCA

i have seeked legal advise and they say my husband is entitled to the PPi rfund direct to me

not to the os balance

but i only have paper work form 2004 from Westcot just a bit worried in case they send a Restons letter again after 15 years ........

x

Hi dx

HFC took the ccj out on my husband but has long gone ,

then was sold on to BOS at a payment plan .

Recieved a letter of an offer of the ppi from HFC they want my husbands banks details via post but we wont send because of security .

So if that the case can we request a cheque from them as it should go to my husband ?

Thank you

This my second post as it seems my last one went amiss, been a while

could any one advise

Claimed a ppi refund

my husband took a personal loan a few years ago with HFC bank ,

he paying the loan after about a year had financial diificulties

so it went to ccj (pass six years on )

and went to third party debt collector

please could you advise ,

as he is still paying it off

if the ppi refund will go to third party dca or go straight to my husabnd.

I had a small debt that had gone to dca but i had a ppi refund straight back to me.

It was misold so i did get intrest back as I say it was a small premium im happy I got a refund so I will pursue other old loan I might have PPI on .

£1387.65 refunded was a small premium but still it money refunded

There is hope eight weeks ago i requested a ppi refund by BOS via telephone , then a week ago I found some paperwork I knew i had some sort of insurance added but I did not want it so i copied the paperwork (the orginal credit agreement) highlighted the ppi and sent it to them . This is on a old loan going back over 10 years . I have recieved a cheque a ppi refund and interest back so there is hope dont go to a mangement comapny just try your self.

Im still investigting my loan via Providian /Cabot .

So dont give up

Thanks for the feed back I am aware the no limitations on ppi as some can claim on mortgage ppi this is as example,

its just at the time I was i finachial l diificulty I just went with the paymet plan with Cabot and not knowing the debt regulations I paid them.

I thought staue barred was if you did not pay any thnig for six years and no contact the debt company they cannot pursue you ?

This is all gettig very complex:???:

Please could somebody advise on this as I am trying to find out if I took ppi on this as I have no paperwork

and I cannot remember .

I was a naive person at the time of this debt issue and alot has change now but attached is an email reply from Cabot .....

PS they gave me a contact for Barclaycard and they say this did not acknowledge Providian as one of their companies......

Dear *** **********

We thank you for your email received 26 March 2012.

As advised in our previous email, Providian cannot provide a copy of the original credit agreement on the account opposite because of its age,

however, Cabot does not rely on the original lender to provide information in order to assist in your enquiry.

You shall note that you have previously made payments to Cabot towards the outstanding balance on this account and agreed to plans being set up on the account.

These payments constitute a clear acknowledgement of your responsibility to repay the debt.

As such, it is clear that you acknowledge responsibility for this account.

We have attached a transaction list for your information showing payments and interest charged to the account since Cabot Financial purchased it.

We trust this clarifies the matter and request that you contact us within 30 days from the date of this letter if you have any further queries.

Yours sincerely

Cabot Financial

My husband a ccj against him for a debt thats was with HFC bank ten years ago and payment agreement in place with the court as we were niaeve about debt and had bad advice from a debt mangement company that got us is this mess ,as we had financhial dificulties at the time lack of funds ( dont think times have changed :roll:lol)

Still paying the debt, cannnot ignore it, nothing changed, ticking alone fine untilll last year had aletter from one DCA asking for a resslement figure we ignored it.The Rw started poking there nose in and have picked this debt up and now getting correspondence from them, bloody cheek had dealings with themin the past i dont stake no cr*p from them, but whats this with the Solicitor letter ?

Can any one advise if they are same company trying it on and although we are paying the debt can they enforce the ccj for more payment from us even though it a long time ago , had no credit file problems so far . Would it be worth sending a snotty letter to say we don,t want to deal with them as we are paying the as per ccj how can they get a case number ?

? would it be worth claming ppi i would have to dig out paper work ... as good advice welcome

ps its a nice sunny day

sorry what do u mean ?

Ok, this is an old debt so I emailed Cabot to ask if they could give me a copy of a SCA and they emailed back say they contacted Providian and they say that the debt is so old they cannot provide one ,mmm so out of curiosity asked Cabot for contact details of Providian see if they can provide it maybe waiting a long time lol

I may go though the process of getting the debt written off, becuse of no CA any feedback would be grateful x

hi the payments are a debt I owe, so Cabot have taken it up a small amountsthat been going for quite some time i'm not sure if it shows up on my CRA file have not investigated that one yet as it beyound 6 years......

Hi could any who may have had a Providian Credit card in the past quite a few yeras ago . I lost the original credit agreement., does anyone know who owns this comapny or taken it over I cannot find it on the web .

All I know that I have been paying installements with Cabot I dont want to deal with them as I want to claim back if possible the PPI ?

Many thanks x

Help needed again on this I find this very strange FOS that DAFwere no longer trading but now i recieved a letter dated 26 july came TODAY and a big fat no by them basically they say, we decieded to purchase the ppi when we purchase the car and we had an option to take out alternative ppi if we wished and we said we like thier service ? Also they are saying that we complain now about the ppi when the ppi was taken out sevral years ago , trouble is we had no choice were we mis sold ppi should we still claim,Alsao basically they said i should contact FOS within six months date of this lettter confused not sure who to trust i thought FOS help us consumers.

iI also noted that DAF have done the same tatics with another claimant on this website help and advice needed thank you

Hi could someone advise, not sure DAF have stopped trading as their tel number has changed, still in Sussex ? but their HO seems to be registered in Bradford ? confused .....

Hi still no letters from either DAF or Financial service compensation service, but now i'm on the case now for ppi claim from Lloyds TSB loan I took out and now fully paid. lloyds have a special PPI claim line telephone number (Lol) very helpfull just to let people know if not, already the turn around for replies is 16 wks , but i have nothing to loose , but hay ,if you dont ask ....

Its been eight weeks now that i waited, but i phoned FOS to find out were I sttand with DAF i was advised now that DAF have ceased trading ,no correspondence from them, I was advised to go to Finchial services compensation services and more forms to fill out it seems that i am in limbo with this and nothing any advise thanks.

Delaying tactis again?

I. posted the form as they requested ,this is therir letter of response :

We acknowledge the complain you raise and will undertake the detailed investigation concern raised . This process will take time an we undetake the complete review with the 8 week time frame established by the FSA and under the DISP rules.

Please note we will not reponse to any chasing letters while the investgation being undertaken.

mmmmm dont know what to make of that.

Any advice?