Well well, after a bit off mind games an offer has been made! I've signed the acceptance and sent back, will keep thread updated once money deposited and make a contribution.

Firstly, sorry I haven't been around in a while! I sent my complaint to the FOS and received a call from them yesterday. They have spoken with HFC who confirmed to them they sold the debt to Olympia in 2005, they adjudicator I spoke to (nice chap) is awaiting documentation from them to prove this and informed me if this is the case then they can't set off and must refund me. He also told me that he is awaiting their calculations for the figure they came to and whilst he hadn't studied what I claim it should be he confirmed it should be premiums paid, plus contractual interest plus statutory interest. So I've left things in his capable hands and he said he hoped he would have some news for me soon but definitely within 28 days. Fingers crossed!

Well, finally offer has landed on my doorstep, and finally its pretty much right, once i receive the funds I will make a donation! Sent a complaint letter in to customer relations detailing all the troubles I had in dealing with this and having a manager tell me I was a liar, then not having the neck to call me back once it was proved I wasn't.

Still no letter, rang the customer services and was basically called a liar. Apparently no record of tel conversation and the offer is still being calculated plus they don't give out figures over the phone! Awaiting a call back from a manager as we speak, I'm sick of being given the run around now.

Having had numerous calls to Coop chasing them I finally got a return call from them on Wednesday. They have agreed to my claim and their figure is just below mine, I am awaiting confirmation and their workings through the post. Thanks all for every bit of help with this.

Just an update on this, I received a full and final offer through the post from MBNA, the payments made were right, and the 8% stat interest, but they have put just over £200 as the contractual interest whereas I make it closer to £1200. I asked them to review this or send me a breakdown but they were extremely evasive so I have passed it to the fos to deal with. Will update when I get any response.

Strange stuff! I wasn't really expecting anything from this so I will just pass it straight to the FOS and make them fully aware with supporting documentation the debt that HFC claim to be owed is somewhat different due to activity since they sold it on, how they could still then find in HFC favour would be interesting. Nothing ventured nothing gained and I assume my "complaint" to FOS would cost HFC a fine? Thanks for all your help thus far!

I understand what you're saying about setting off, but is the debt still officially theirs? If they sold it on I assume it became the property of the DCA? Just re read your earlier post about setting off, misunderstood it originally.

Do you think it is worthwhile to just pass it straight on to FOS to deal with? Its one I didn't contemplate winning really so happy enough for it to take as long as it takes? Just wondered why they aren't saying they will give it to the DCA and instead saying they will keep it, bit strange considering there is some activity after it was passed on.

They broke it down into 67 premium payments at a cost of £2204.56 (19p different to mine but we won't quibble about that) and then 8% interest at £2142.44. I have just tried to ring them but they didn't want to talk about it.

A bit of advice/help if possible please. I have today received a letter from HFC upholding my complaint, 2 problems however! Firstly they have calculated the amount using an 8% statutory interest rate meaning the amount is a great deal less than it should be. Secondly because it is less than it should be it is less than the charged off amount and they are taking all of it against the monies still owed to HFC bank, they sold this to Aktiv Kapital who were actively chasing it until it was proved to be statute barred, are they within their rights to do this? Do I need to go back to them and tell them to recalculate the interest as this was a running credit account (personal loan plus), and do I have a case for them to be repaying to me or are they well within their rights to keep it?

Just having a thought about this, would Santander be responsible for the first 2 years (prior to MBNA taking it over from A&L)? Can I trust MBNA to forward it to them or should I knock something together to send to them? And finally, if I get a final settlement from MBNA not including the 2 A&L years is it ok to sign? Thanks again, its all a minefield thiss PPI!

Will do ims, thanks once again.

I have written a quick letter in response as follows, should I put any time limit on them for a response? Dear Sirs, In response to your letter dated 18th July 2012, which was in direct response to my PPI complaint made on 12th June 2012 I enclose the information you claim to not have. You state in your letter you have no data regarding the first 2 loans yet the information I have enclosed came from yourselves in response to a Subject Access Request I made prior to submitting my PPI complaint. The 2 loan agreements show that PPI was attached and the second loan agreement has a written note on it signed by C.Turner stating the instruction “Please clear and close personal loan”, this was consolidating the first loan, I have also attached a record of activity of loan account 2 for the final 2 years, once again proving ALL loans were paid off in a timely fashion in accordance with the loan agreements. As you have already admitted “we are not satisfied that we have provided you with the high standard of service we would expect” I would urge you to respond to me as a matter of urgency. I have once again enclosed my previous covering letter along with spreadsheet calculations for all 3 loan account PPI. Further to the above I am requesting a full refund of all my insurance payments, plus interest, which total £5,031.05. Yours faithfully

Hi Again, some advice if possible please. Co-op have responded and admitted that they haven't offered the usual high standard of service so have offered a goodwill gesture to cover the last loan PPI payments and 8% interest but go on to say they no longer hold records of the 2 earlier loans so unless I can come up with agreements and statements they can't reimburse those. Firstly they have the agreements because they sent me copies, secondly I don't have statements from these loans as they are so long ago, other than the last 2 years worth of the second loan that again they sent me. Also on the second loan agreement it is written on please clear and close the previous loan, so as far as I'm concerned they have all documentation needed to prove it? Am I fighting a lost cause here? I'm not happy with their offer, they know perfectly well I have paid all my loans off in a timely fashion and have the credit agreements so could quite easily work out what is owed. Do I pass on to the FOS or could anyone offer advice on how I respond please, also what timeframe do I give them, can I call the shots or do they get 8 weeks again? I'm absolutely livid. Thanks for any help offered.