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thx1971

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Everything posted by thx1971

  1. Thanks again dx, I will do this, out of sheer principle I won't give up as these people have caused me so much upset and stress over the years it would be satisfying to get back at them. To be fair I was in the wrong to agree to a loan from them in the first place and do wish i had the support from this forum earlier
  2. Hi dx, I would like to pursue this but was wondering where this would get me as they stall and stall and sending countless letters never seems to get anywhere. I really would just like to get this resolved ASAP
  3. Ok, so going back to post #84 is there anything more I can do?
  4. Just noticed on the letter, they say 'Details of any account which has been closed over 6 years may no longer be held on our systems'... The account info i'm asking for is from 2004. Should i still contact them for this?
  5. Thanks dx, i'll have to send them another strongly worded letter
  6. Had the SAR request letter returned asking for another £10 and proof of ID again, even though i specifically stated that I have already paid £10 and provided ID for my initial SAR request. Thought i better check in here first, do I have to pay £10 and provide ID again? I wouldn't have thought so seeing as though the original request was not fully carried out...
  7. I've sent the request off to HFC today, hopefully will get something back soon, I'll let you know as soon as I hear something. Thanks again for all your help, all I ever wanted was to get these people out of my life as it was a mistake getting involved with them in the first place.
  8. Thanks for taking the time to look at this for me, I really appreciate the work DX, yourself and others have done. "Do you have a copy of the figures that would have been sent to you when this calculation was done?" - I've checked and can't find any record of this and there is nothing i can see relating to it in the SAR Can't remember anything about a Collection Charge rebate, I must have been mistaken about this. I can fully understand if it's too late to pursue this any further, it would be good to get something back but these companies make it so difficult - the main thing is that I would like to get a settlement from them as soon as possible and they won't correspond with me unless i give them a financial statement, which I am not keen on doing as they might try and get more from me somehow. I am hoping to get a settlement figure so that I can hopefully just pay them off, as paying £50 a month as the CCJ has enforced is going to take me years.
  9. Hi, Sorry, just had another look through and found this...is this the right one?
  10. Here's the agreement, well it's the only thing that looks like the agreement i can find...
  11. Hi, I've attached files as PDF now. These 2 are the statement form the SAR
  12. Hi, I've attached the relevant docs from SAR. Hope this helps
  13. Nothing from the original PC loan but there is a loan agreement copy for the personal loan
  14. Thanks again I'll scan the statements on now. The data from HFC goes back to Oct 2004 when the loan account was opened
  15. BRIGADIER2JCS posted for me to check for DN and NOAs default date and last payment, so I did. I agree but I'm not trying to claim rough justice, even though it was like you say - I've already complained about this case the the Finacial Ombudsman but got nowhere as it had already gone to court. I just want to clear this debt the best way possible and if i could get something back from them as well as a PPI payment then it would be good. Originally i wanted to get a settlement figure from them but they won't give me one unless I provide a financial statement, which I'm not too willing to do. The CCJ will run out in March and I would like to clear this so I can move on with my life.
  16. Hi, There's no record of a DN being sent, or a Notice of Assignment. Am I missing something or from what I've said does the SAR sound like it's as it should be? Also, if possible, please could you advise me on how to proceed as I would like to take this further one way or the other. Thanks
  17. Hi, This SAR must have things missing, as I mentioned before there is no default notice or Deed of Assignment and the documentation definitely doesn't refer to any other account... I've gone through the whole SAR, please could you advise what I should do next? Thank you very much for all your help
  18. Hi, The account only covers the loan, not the PC purchase. Statement goes back to the beginning of the loan - 15/10/2004
  19. Please could you advise on how to proceed? There's nothing much to go on from the SAR... There is no Default Notice, also there is no Deed of Assignment. I had 1804.27 repaid to the account on 3/06/2010 but there is a Charge off amount listed as £3760.10 Ultimately I would like to get some kind of settlement on this account but not sure what to do next... Thanks
  20. Last payment I made was this month on 01/11/2012. There's a whole load of papers in the SAR, mostly memos, letters and their communications they've had with me but I'm struggling to find anything that might relate to a DN or NoA. Now that I have the SAR I would still like to know how to proceed to try and get a settlement figure from them. Thanks
  21. Hello, Sorry for the late reply....unfortunately can't seem to find anything relating to penalty charges, Default Notice and Notice of Assignment anywhere. Is this normal or am I missing something?
  22. Hi, Have finally received the SAR from HFC, please could you advise on how to proceed?
  23. Hi, Thanks for quick reply! No, the payment hasn't been cashed yet, I'm guessing they will try and stall..but want to pursue this as best as I can (with your help!)
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