Jump to content
DerbyDude

HFC Doc's Are these legal please......

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3627 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have an issue with HFC, and they aren't sending me the original agreement, its quoted on these scanned documents, but they have not as yet sent me (true) copies....These other documents are from, what they say are what I've asked for!

 

So if these are the correct papers, are they legal, have I missed anything on them/ please have a look for me..... is the fact the've changed companies 3 times since I dealt with them originally?

 

Cheers

 

ps

 

I have just been reading this thread http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-2.html and it seems I will need to send a SAR to them as I have a second card, same account, replaced due to outdated, and I haven't got a copy of the sign agreement with the paperwork they sent!..... reading the thread, this makes them in Default? or have I got that wrong?

HFC Docs v4.pdf

Edited by DerbyDude
addition of notes

regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

Anybody have an opinion on these please?


regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

what are you trying to acheive?

those docs look ok.

 

whats the problem?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I wanted a copy of the "original agreement" from which this newer agreement was generated..... but they keep ignoring my request ....... I cant find the original agreement from a deal at PCWorld way before this pdf'd one,

 

Its subject to a dispute re ...section 85 I think, as they have passed me through 3 companies ( HFC /Household Bank /Beneficial Finance) since the HFC Lincoln office closed way back....didn't tell me of the changes ... and now bullying me to move the account, (Weightmans) so I wanted to see if they were acting in a proper manner!

 

They have also bumped the rate every time it was switched, and want to offer me another on a higher rate again!

 

I think the only way to sort this will be to ask for another SAR.....

 

cheers for peeking.....

Edited by DerbyDude
update

regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

yes but what are you trying to resolve?

 

a debt you don't think you owe or what?

 

give us the history please

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

those document look pretty recent,and only go back on those documents since 2008..

the old document was one page...

i have old ones from hfc hamiltons and beneficial that go back to 2000.

if your agreement is after 2008 then it looks ok..from what i can see of it...hi dx aint seen you on the threads for a while...

just looking at the 2000 document a one page special lol it has stuff in their that would nt pass fit as bog paper..

it has a sentance in it that completely shocked me ide never read it until tonight...

it says

(2)any other business that provides life insurance or insurance related services related to your agreement wether it be you or your family as may be we nessesary for hamilton to obtain and use sensitive and personal data or information about you,relating to your physical or mental health or conditions ,sexual life or any offence committed or ALLEGED to have committed

 

well that say s it all i have never seen such a contract let alone i have one and never read it i digress sorry

yess darby they are notorious for bumbim rates ive only just sent them a letter today since ive started having a clear out because my wife has this with them and when i totaled up the figures last year she had paid into the account 2460.oo and all that came of the balance was 860.oo shock i went through the roof i could nt beleive it..i did nt know she was paying in that much and they were charging that much in intrest she borrowd 10,000 in 2007 so she has paid in some 2697.00 per year that equates to 8091 by the time she has finnished paying the bill will be over 23900...so i think you can geuss what my letter says...i blew my top not with the missus she did nt realise either .but thought it strange that the bill was nt coming down...it says 22.836 anully but small print says on a daily basis ...

i cant work that one out but feel they have had her over big style

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

Share this post


Link to post
Share on other sites
yes but what are you trying to resolve?

 

a debt you don't think you owe or what?

 

give us the history please

 

dx

 

 

These doc's are from an action where HFC changed me (I had no choice at the time, they moved the loan) from an original store (PCWorld) loan........which the number is on this "contract" and they refuse to send me those original doc's ......from what I read and research, they haven't complied with my original CCA as it was for BOTH accounts and had 2 separate postal orders in, plus when they issued a replacement card, (time expired) they didn't send me a copy of the agreement, so as such should have entered default, and of course they have been charging me interest ever since.....

 

This has come about as they took a high and might attitude with me ... less they forget I'm the customer, I have complained several times and they have just, ignored me, so I wanted to check out the "files" as it were and see if I actually owe them "all the money" as any saving at the moment is a bonus.....I hate big companies bashing individuals.....


regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

well you might be able to understand that but i certainly can't...

 

lets have a guess

 

you got a store card through something you brought from PC world.

they then forced you to take a loan to clear this debt?

 

please in english.

 

so you prob had ppi and charges on the card, that got rolled into the loan and you want to reclaim them?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
well you might be able to understand that but i certainly can't...

 

lets have a guess

 

you got a store card through something you brought from PC world.

they then forced you to take a loan to clear this debt?

 

please in english.

 

so you prob had ppi and charges on the card, that got rolled into the loan and you want to reclaim them?

 

dx

 

 

Bought a PC and Laptop with a store fixed loan - not a credit card .....wanted to stay with it as it was very good terms.........forced to move the loan.....to a card type agreement as they said they were finishing doing that type of agreement! So I want a copy of the first agreement......fixed loan.......as requested but my guess is they can't find it.....

 

So interest rates yes, and ppi issues, also, when they eventually issued a follow on card (2007) I'm positive they broke the rules, as it also changed companies.


regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

so you have already SAR'ed them, or was it a CCA request?

 

hfc are the pits toward their customers and you'll prob get the 'its after 6yrs we've destroyed it' excuse.

 

i hate HFC, we'll nail 'em!

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
so you have already SAR'ed them, or was it a CCA request?

 

hfc are the pits toward their customers and you'll prob get the 'its after 6yrs we've destroyed it' excuse.

 

i hate HFC, we'll nail 'em!

 

dx

 

 

 

I sent 2 CCA's quoting both agreement numbers, as you would, they sent me the recent doc's as you can see ...and the other postal order back.....I think they can't find the "original fixed loan agreement" as it was from memory a couple of years further back!

 

Time for an SAR and which account number to use... the oldest I would think for the fixed loan?


regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

matters not

the sar is on you not an a/c

just make sure you include any previous addresses.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I’ve been away and still not got ALL my information

 

Defence has to be filed by the 2nd, so far they still haven’t got or sent me a full set of account detail’s etc….

Defence can’t be complete as I’ve not ALL the facts…. Embarrassed?

 

So

So failure to supply CPR requirements by due date, and when asked by the court to do so, just sent copies - same again,

No list of charges and explanations… as CPR requested

No termination letter, No original documents. …as stated and recorded in this the newer contract, and its 4 separate pages….could be a complete mix of anyone’s doc’s

Credit token replaced, No copy of agreement sent …..with new token (breech of contract)

Passed my details on to other company, DCA - and harassed by such

Data Protection act.

No assignment?

Door stepped by original company

 

I also have these and it seems the judge, although trying to help me has, pointed the other judge to action the agreement request, but the company have failed to fulfil the CPR request?

I have started to work though the docs I have and can lay my hands on, plus what they sent me

 

Help and advice welcomed please…….

Court Paper 1.pdf

Court Paper 2.pdf

CPR18 request 070710HSBCcleared copy.pdf

Edited by DerbyDude

regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

Bump........ any guidance please


regards

 

DerbyDude....

 

Down but not out, divorced happy, but skint! and well annoyed :eek:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...