While sorting through some boxes in the loft I came across some old Loan agreements from HFC Bank. The loan was for £1237.00 add £649.40 interest at APR 19.6% The loan has Life covers £187.51 Act/Sick/Unem £215.02 Total £402.53 interest £211.27 @19.6% Total £613.80 On top of this we had to buy a policy called Take 5 which is a 15 year renewable term life insurance TAKE 5 £815.00 Life insurance £123.53 Act/Sick/Unem £141.64 Cost of the policy £1080.17 interest 566.83 @19.6% Total cost £1647.00 Both documents are the same date Jan 1989 I also have a bank statement from May 1991 showing payment to HFC for the loan I have sent my claim to HFC using the PPI-consumer-questionnaire 3 weeks ago including photo copy's of the documents. At the time of this loan both my wife and I were working for local authority, we would both get 6 month's full pay and 6 month's half pay and we had an endowment mortgage and I remember it was a hard sell but at the time we had no choice we needed the money. I have all the documents associated with this loan both green and pink copies and all the insurance documents. I have noticed that you claim interest at 8% but We were charged at 19.6% so should they not pay back at 19.6% If anyone can tell me what are the chances of success? Am I too late with this claim. Any other advice would be really appreciated. Think they must have been rubbing their hand when we walked through the door Thanks

Hi There, I wondering if someone can give me any advice on this. In 1989, I lost a house through Neg. Equity. I had a Mortage with two other parties - who did a bunk - with Mortgage Express for 95% and the ramining 5% with Top-Up Mortgage Services. I settled with Mortgage Express and paid a peppercorn rate to Top-Up (£10 per month) ever since. Transcom are now - sporadically - chasing me about the remaining debt, which I had them confirm is not earning interest. I have recieved a form letter from them saying; Do you want to put this debt behind you for Good? We have recently reviewed your account and can now offer you a significant discount. We are currently willing to accept a lump sum payment, in most cases up to 50% of your liability. It finishes. In Capitals. Remember this offer is only available for the next 30 days and cleared funds must be recieved by this date. After this date the full outstanding balance will become due and payable. I am interested in your opinion and advice on this and best course of action.