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    • I think my post is too long so I've split it ino two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I think my post is too long so I've split it into two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good.
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further. It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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HFC have taken me to court


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How many default notices can one company send for the same debt?

 

I received one from HFC in 2002, I was a student at the time with no way to pay the arrears. I resigned myself to this thinking it wouldn't show on my credit file after 6 years anyway by which time I'd be qualified and in a better financial position. I had plans to get on the property ladder when this was off my credit file.

 

The problem is they sent me another default notice about 1 year ago and now they are threatening to send me another one. This means this debt is still going to be one my file for another 6 years.

 

They have also added charges and interest continually so the debt is now about 3k more now than it was last year.

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It does sound very unfair to me. I don't know the answer offhand to your specific question. However it is clear that it has to stop. What are you doing about the charges? What all the figures? Do you have a thread going about this in the appropriate forum?

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Sent my DPA request today. Also asked for copies of all default notices they have sent me (3 in 4 years all for the same debt)

 

I know I've been charged £15 nearly every month since 2003 because I'm paying a reduced amount that they agreed to

 

Gill.

 

 

this site is so addictive but it's made me realise I don't have to worry every time the phone rings, I don't have to put up with threatening letters and phonecalls.

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Thanks for the reply.

 

Spoke to a debt specialist in the CAB and discovered they can only issue 1 default notice per debt so they are going to help with this. After the 1st one they can go to court, wondering why they haven't done this.

 

Sent away DPA request today.

 

Have started a thread in the appropriate forum today.

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I'm sure that the CAB advised this, but if you check your actual credit files you will find out if they issued one or not. Experian have a 30 day free trail which will save you £2, just be sure to cancel before the deadline or else it's about £5 per month.

 

For anyone else reading and interested...

 

Default notice

A default notice is a formal letter a lender sends you when you are so far behind in your payments that they have decided your relationship with them has broken down. This varies from lender to lender but generally happens when you are between three and six months in arrears. If you receive a default notice it might mean that the lender is planning to take legal action to recover the money, but you must be notified separately of this. A default notice will almost certainly mean that the account will be shown as defaulted on your credit report, which will make it difficult for you to get credit. This information is kept on your report for six years but the balance should be updated as you make repayments and after six years it is removed, whether or not you're fully paid up.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi,

 

I got my credit file a couple of weeks ago and it shows a default from this company in 2004. They sent another one on Friday which if it goes on my credit file (and knowing HFC it will) will cancel out the one from 2004 which means it will be 6 years from now before it disappears.

The CAB say that the regardless of how many defaults they issue only the first one should show on my file i.e. the one from 2002, meaning it should be removed from my file in another 2 years.

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Good - that's certainly the way I understand it. I think it's highly likely that someone at your bank hasn't bothered to find out if one had been issued in the first place.

 

I'm claiming from the Halifax at the moment, which includes a default removal, and they asked ME to provide THEM with proof it had even been issued!!

 

Idiots.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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...this site is so addictive but it's made me realise I don't have to worry every time the phone rings, I don't have to put up with threatening letters and phonecalls.

 

Quite right too, nobody should.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...

Hi

 

I have been reading your thread which gave me some answers I am seeking, but could someone help me with one other thing....my default is due to come off, but I am still under a payment arrangement, can they put on another default after this current default is removed?

 

Thanks

Chr1sty

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  • 2 weeks later...

Yes, refer to it specifically and state the deadline.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 8 months later...

Has anyone in Scotland taken a company to court for no credit agreement and refusing to remove a default??

 

I need to do this with HFC but don't have a clue what I need to do, what forms to fill out etc. I presume it's not a small claims action as no money is involved.

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  • 1 month later...

I'm still trying to deal with these clowns. Today I received an intention to register a default if I don't pay the outstanding amount within 28 days. There is already a default registered with the CRA's from December 2004 for the same account.

Can they register another one meaning it will be 6 years from now before it drops off my credit file?

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No, only one default can be made against any debt. I think they either forgot the law (not unlikely) or they are just trying to intimidate you.

 

What precisely are you doing with this? - i.e. have you started a claim or are you just making payments to them etc?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Did you send them a SAR?

 

If so, when?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 1 year later...

I let this one slip due to other things happening and never got round to dealing with it again.

 

Now I don't have any choice they've taken me to court :shock:

 

I received the court papers a couple of weeks ago and sent them back requesting a time to pay. I received the letter this morning telling me that HFC have rejected this and a hearing date has been set :(

 

So a couple of questions;

1. this account is in joint names but my OH doesn't know it's got this far (he knows it's in serious arrears), does he have to go to the hearing or can I go by myself

2. do you think at this stage they'd take a payment as final settlement and if so for how much. The original loan was for £8050 which ended up being £16,000 approx with interest and insurance. I'm unsure of the balance still owing, the credit reference agancies says £7616 but the court papers say £8665.

3. They also say in the court papers that they defaulted this account in November 2007 but it was defaulted in December 2004 according to the CRA's. Can they now default from the court date?

 

Any help would be very welcome as I'm worried sick over this, we thought we were finally sorting ourselves out and now this.

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I received the court papers a couple of weeks ago and sent them back requesting a time to pay. I received the letter this morning telling me that HFC have rejected this and a hearing date has been set :sad:

 

So a couple of questions;

1. this account is in joint names but my OH doesn't know it's got this far (he knows it's in serious arrears), does he have to go to the hearing or can I go by myself

2. do you think at this stage they'd take a payment as final settlement and if so for how much. The original loan was for £8050 which ended up being £16,000 approx with interest and insurance. I'm unsure of the balance still owing, the credit reference agancies says £7616 but the court papers say £8665.

3. They also say in the court papers that they defaulted this account in November 2007 but it was defaulted in December 2004 according to the CRA's. Can they now default from the court date?

 

I sent a SAR request last march and finally received everything in December but never got round to doing anything due to other things going on. To be honest I just want to get this sorted and get HFC out of my life.

 

Any help would be very welcome as I'm worried sick over this, we thought we were finally sorting ourselves out and now this.

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Hi There,

 

can i ask, did you file any form of defence or did you just admit that you owed the money?

 

have you requested the credit agreement yet? have they supplied it yet?

 

can i ask what their particulars of claim were?

 

sorry for all the questions

 

Regards

 

Paul

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Hi Paul,

 

I admitted I owed the money. I've had the credit agreement but it isn't signed or dated by either myself or HFC though we do have a copy of the account set up which is signed.

Their particulars of claim were

'on or around 08 August 2000 the parties entered into a loan agreement...the defenders have failed to make payment in terms of the provisions of the agreement. They allowed arrears to accrue on their account. On or about 19 November 2007 the pursuers served a default notice on the defenders in terms of section 87(1) of the consumer credit act 1974 (I never received this, the account had already been defaulted in 2004). The defenders have failed to comply with the terms of the said notice. Accordingly the loan agreement has been terminated. As at 29 November 2007 there was a balance due for payment by the defenders to the pursuers under the said agreement in the sum of £8665 (£7616 with CRA). The said sum remains due for payment. in terms of the said agreement interest is due at the rate of 12.35% from 29 November 2007. The defenders have been called upon to make payment . They refuse or delay to do so'.

It comes from Patten & Prentice solicitors.

 

You can ask as many questions as you want :), I just want to get this sorted

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  • 2 years later...

Hi,

 

Myself anf my OH have a loan with HFC which was started in 2000 and includes PPI. This was sold to us despite them being told I was unemployed and we didn't need it. We fell into arrears and when we tried to cancel the PPI to have lower monthly payments we were told we would have to take out a new loan which we didn't do. We eventually defualted and were taken to court last year where a monthly payment was agreed which we have been paying. I don't have any of the original docs regarding the insurance and not sure how to get these.

Could we make a claim for PPI even though we are still paying the loan back?

 

Thanks

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yes ofcourse you can

 

you need to SAR HFC.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

Hi,

 

Looking for advice concerning claiming ppi from HFC.

 

We had a loan with them in 2000 which included ppi at a cost of £2248 + £1388 interest. We should have finished paying it in 2005 but because of arrears, charges, court action etc we're still paying it off now and probably will be for the next 3 or 4 years.

 

After reading everything concerning mis-selling I'm pretty sure we have a claim because we were told we couldn't get the loan if we didn't take the insurance. When we started to fall into arrears and tried to cancel the ppi to reduce our payments we were told the only way to do this was to restructure the loan over a longer period but we would still need to take insurance to be accepted.

 

I have a copy of the loan agreement which shows the total for the loan and the insurance. I also have an annual statement which says ppi isn't included :|

 

My question is would we be able to start a claim as I presume the insurance was cancelled by them when we fell behind with payments. Is it too late to claim because the loan was started so long ago?

 

Thanks xx

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