yes still got everything this is what is so strange i sent this to the FOS

Hi the paper work is all from Household bank HFC from the original loans, but when we re financed it does not show the PPI refunded on them? but we never got the money back, also the FOS said one of the loans was a monthly payment and not a single premium but it was not, but he states the HFC have said it is? it seems they are siding with them, FOS seem to believe them and not us, even though i have given all paper work i can find relating to the loans and PPI? the time scale is around 5-8 years

HI all i have been dealing with HFC/Household and the FOS for nearly 2 years now re the miss selling of PPI on 3 loans we had, around 2 weeks ago i got another call from the senior manager, as my case was passed to someone higher after i was not happy with the outcome of the adjudicator originally, he said that HFC had paid all money owed to us through the loans, when we paid them off? I disputed this and have done for around 3 years now, then i called him Friday, and HFC have said they cannot find the paper work to show that we were refunded the single premium PPI on the loans? and all the paperwork i had re the loans i have sent to the FOS?? I have been advised to look for more paperwork by the FOS, i asked what would the outcome be if i could not find such paperwork, and he said "he did not know" and really if i do not have anything and HFC do not have anything then really there would be no case? can someone help please, surely this is not fair

oh never...it's a shambles i think something got to be done

Hi Dx and all spoke to the FOS yesterday for over an hour, i told him how disjointed i was that HFC have pulled the wool over his eyes as well as myself, he is now passing to an adjudicator to re open the case and a full investigation is now ahead, HFC have 2 weeks to get the full file to FOS but time scales after that they would not comment? I also finally explained that it was 3 loans and not 1, he really thought that the offer last September was for 1 loan but after checking all the paper work he realised that it was the 3 loans and he apologised? i am still very nervous leaving the case with the FOS, i just don;t have the faith, if i could afford the small claims court i would but i just cannot afford it, but maybe i should start saving for possible court action, i'm just gutted and disappoint in the fos, they really don't seem to have a clout against the banks

Ok thanks DX is that it though, how much longer can this go on as for as the FOS by their emails they have just rolled over and given in the the infamous Mr Siggers

well i have had the following 2 email from the fos re my claim against HFC pleasd read and advise i am so annoyed 1st email from FOS today at 1.20pm: I note your comments and would state that I spoke with HFC earlier today to ascertain a timescale for the settlement to be paid. I have been advised by HFC that it sent you an offer letter directly, in September 2009, which contained a form of acceptance and they are waiting for this acceptance form to be signed and returned by you. I must say I was unaware that this was required and felt that the settlement form I sent would suffice, however, HFC has advised me that once they receive their own acceptance form they will be able to issue your redress - I'm sorry I've not seen the form and do not know what extra information they require. If this form is no longer in your possession, please could you let me know, but if you do have the form, I would respectfully suggest that you complete it and send it (after taking a copy for your own records) to HFC. I trust this clarifies the current position for you. However, please let me know if there is anything that you require. For your information - I am still trying to get HFC to accept the signed settlement form that I sent them, but I have to wait for one of HFC's manager's to get back to me and I do not wish to delay the chance of your settlement being calculated whilst I await a return call after they have investigated my concerns in this case. Kind regards 2nd email at around 3.10pm I have today spoken with the Manager of HFC's Ombudsman Liaison Team to try to find out what the delay is with your settlement and have now discovered that I have been misinformed. I have been advised that although a signed settlement form has been sent to HFC, they are now stating they will not be able to process the redress settlement without the return of their own acceptance form, which will include your bank details for the funds to be transferred to and the amount that has been agreed in the letter. I have obtained a fax number - 0121 214 4606 - for expedience, however, should you not have a copy of HFC's offer letter from last September please let me know and I'll ask them to issue you with a copy. Once again, I was wrongly informed that the case was ready for settlement and for this I apologise, but I have now been advised that the redress will be paid upon receipt of HFC's signed acceptance from its offer letter. I trust this now clarifies the current position for you. Kind regards My reply: The offer they sent to us back last year was for £1300 it was a mickey mouse calculations and frankly the FOS said not to accept and they would look into the case, we sent the offer and everything else to the FOS last year, and now this i am fuming and so upset what would you do?

hi Dx i did try and tell the FOS a few weeks ago on the phone that we never got money off when ever we refinanced, but he just was not listening at all i am really worried now and to send another SAR is mad i have been chasing these Muppet's for years

oh no dx why do the FOS give the guide lines then for 8 weeks and they blatantly miss use the deadlines they are ****

Hi DX yes it was refinancing and the secured 4th loan was the straw that broke the camels back nearly lost our home, they hounded us every month we would get a letter to call to the Cardiff branch never explaining why when we get there it would be "oh we thought you would like a further loan" and being stupid we would agree? stupid really now we would never do it but at the time we were young new home owners and wanted it all i suppose, god are we paying for it now

Hi all just an update really HFC have until Wed next week to get the offer to us, i cannot believe the the FOS think that they would of got back to us by now, i have now emailed the FOS adjudicator who is dealing my our case telling him they have still not got back to us, they have had over 8 weeks really, they have had around 10 weeks and still nothing, even though the FOS have said they have to pay us back all the PPI single premiums and 8% interest owed, it's terrible anyone else been kept waiting and waiting? they are quick enough to take money from us i hate it???

?????????????

yes i am digging out everything hope to find and sort it all by tonight if not will post it all tomorrow there are 4 agreements i think in total

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/256768-ppi-hsbc-hfc-fos.html is that how you post your thread? sorry if it's wrong

Hi all had good news well I think it is i am after a bit of knowledge from here if anyone can help. Had a message to ring the FOS they said HFC have agreed to a full refund of the premiums paid plus the 8% interest well I have calculated between £8000 and £11000 would this be the offer that will give, I am jumping for joy inside but worried also they will come back with another mickey mouse offer. The FOS said they are upholding the claim against HFC so is this good news? can someone advise?