When I rang the FOS, they said HFC can ask for photo ID and suggested if there was a local branch, to take copies of our passports and the originals and ask the branch to verify they are copies of the originals and forward them internally to the person in question. Unfortunately we do not have a local branch. They also suggested if we were not happy and wanted to make a complaint, they would act on our behalf and ask HFC why they wanted photo ID but this would prolong the process. The FOS did say that as the 40 day period for the SAR was well past, HFC should send the documentation immediately as soon as they received adequate ID for their purpose, as this should have been processed We are going the complaint route to HFC as we do not want to send such personal information through the post.

Hi, Its marked as satisfied 3/6/09 and the balance is NIL

Hi, sorry for butting in on this thread but if you look at my thread on Simply Be, they placed a default on my credit reference file in April 2013 and I have been in various payment arrangements with them since 2006. I am waiting for a response from them to see if it was an error and that they will remove it form my file or have to take it further if it was a malicious attempt to keep it on my file for 12yrs as it was due to drop off last month. These companies and DCA's need to be taken to task and dealt with, I agree it is not easy doing this as they can be so ignorant at times.

I am confused now ?? I understood from CAG that you claimed interest on PPI claims until the present day, not when the interest on the card was stopped being charged or the debt was sold. A comparison is that I helped my son in law with a PPI claim on a loan that was paid off 5yrs ago against HSBC and they upheld his claim and paid interest until the day they paid out. Is it the case my daughter should submit a new claim to Capital One, claiming only until the debt was sold in Nov 08 ? Her account with Capquest was paid and settled in May 09, she has a letter from Capquest confirming this and it is stated as settled on her credit reference.

Thank you citizenB, got myself in a right state messing this up. As stated in Post 11, I would appreciate any advice on where to go from here, the offer seems very low compared to the workings out of the spreadsheet, Can they threaten to buy back the debt just so they can use setoff How can they setoff on an a debt that has been paid and is stated as such on my daughter's credit reference Does she have to respond to this offer within the two week period they say, considering she had to resend the claim because they did not respond within the 8 week timescale. Many thanks

Here is a copy of the spread sheet that was sent on 4th July 13. [ATTACH]45179[/ATTACH]

Thank you dx100uk. Yes sent an updated spreadsheet and a claim for the penalty charges on the 4th July, then my daughter got the response from the origina PPIl claim on the 5th July.

At last Ive managed to sort it, many thanks ims21 and citizenB

Hi, this is the latest update on this thread and I would appreciate further advice please as to where to go from here. As advised on CAG I helped my daughter with the spreadsheets and fos questionnaire for her PPI claim. She sent this off on 26th April 13 and was expecting a reply no later than 23rd June 13. Unfortunately she never got a response. She then sent by special delivery, an updated spreadsheet, questionnaire and included a separate letter to reclaim late fees and charges on 5th July 13. Low and behold what fell through the door on 6th July 13, a response with an offer from Capital One. The offer was nowhere near what my daughter expected and they are trying to offset a debt that was paid in May 09. I attach copies of the letter. I have been ill and this was the first time I was able to do this post. Many thanks. [ATTACH=CONFIG]45177[/ATTACH]

Thank you dx and Duff for the info. I will ring the FOS tomorrow and see what they advise.

Hi dx100uk, I am sending a complaint to the ICO as well as HFC, I am really fed up being treated in this way. Then HFC have today had the cheek to send an Income/Expenditure form they want filling in, they can swivel.

Hi DuffNCustard, Thank you for your response. We said the same about the photo ID, how would they know who we are. They are being deliberately obstructive, I think its time to make a formal complaint.

Hi Mariner 51, She is under Tyne and Wear Homes, the same as us,

Hi stu007, My daughter and I were under Newcastle City Council but that changed to Tyne and Wear Homes in April 2012, all local authorities and Housing Associations in the County come under that umbrella now. We have medical assessment forms being processed now, just waiting to hear, don't know how long it will take. Many thanks for your questions.

I will as soon as I get any response, thank you