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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

HFCMAN

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  1. HFCMAN
    Just to let you know what they will respond with - they will tell you that what they have provided is the credit agreement, and they will refer you to the box that says 'This is a credit agreement under cca, sign only if you are bound by its terms' etc...
  2. HFCMAN
    Ask, and you shall receive
  3. HFCMAN
    HFC Banks policy regarding OFT charges is that the first time you write to them they will reject you. The second time they will offer you half, and the third time they will offer a full refund.

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