HFC BANK - Tricky Questionnaire?

[Vonn]

Hi

This is my first post, but have looked in many times, very helpful site, but my question is this:

Has anyone rec'd a questionnaire from HFC Bank by any chance? If so, how did you fill it in, it asks "how would you have paid us the loan back if you became unemployed"? What sort of question is that!

I'm trying to claim back mis-sold PPI from 2001/2002, the thing is if I was forced to have it or be refused the loan, which is the best way to answer the question, any advice please, it's all welcome.

 

Cheers

Vonn

Edited July 6, 2010 by Vonn

[dx100uk]

TBH: it won't matter what you put.

 

its a load of bull and just a delaying tactic.

 

put down whatever you want

infact make it funny if you like.

 

if you want a hand

 

then post it up and we'll play a game of who can fill in the most obnoxious answers

 

HFC are the pits, and will not do anything to help you.

 

expect to go to the FOS in 8 weeks from the day you post it back

 

in fact, i'd put that on a cover letter when you send it back.

 

DO NOT give them any pers or financial info at all.

 

they'll use it against you

 

scan it up

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

 

 

 

 

dx

[Vonn]

Thanks for your reply DX, I've not claimed before, but am gonna try my luck now.

I wrote to them asking if PPI had been included in a loan I had with them, maybe 2001/2002 and finished it in 2004. They wrote back and said yes, but I'm not sure if it was attached without my knowing or agreed to, anyhow I did have PPI attached, now they have sent me a questionnaire and are asking -

Suitability and Exclusions

(a)If your earnings had ceased during the term of the loan, how would you have maintained your regular repayments?

That's a tricky question!!! They want it back in 10 days:eek: (5 now, it took 5 days to get to me)

Anyhow for now, I just sent off a postal order asking for the original agreement.

Any advice welcomed.

Vonn

[dx100uk]

its just a delaying tactic.

 

TBH it matters not what you write

 

just dont give them ANY more pers details or financial details than what they already have.

 

put amusing answers down if you want.

 

or N/A

 

dx

[letsdothis]

Hi

This is my first post, but have looked in many times, very helpful site, but my question is this:

Has anyone rec'd a questionnaire from HFC Bank by any chance? If so, how did you fill it in, it asks "how would you have paid us the loan back if you became unemployed"? What sort of question is that!

I'm trying to claim back mis-sold PPI from 2001/2002, the thing is if I was forced to have it or be refused the loan, which is the best way to answer the question, any advice please, it's all welcome.

 

Cheers

Vonn

 

I would tell them to stick the questionnaire where the sun don't shine. If they had sold you the PPI in the correct manner in the first place, they would already have their answers.

[Vonn]

Cheers both! Very much appreciated.

 

Vonn

[Vonn]

Hi

I've just rec'd a reply from HFC Bank regarding my 2 accounts which were paid in full in 2003.

It states "The bank is not required to provide information under Section 77 of the Act when a loan agreement has been paid in full. We confirm account number: XXXXXXXX closed on March 2003.

Please note we have conducted a reasonable search for account no: XXXXXXXX and at the time of request it cannot be located. Details of any account which has been closed over six years will no longer be held on our systems".

 

Can I take this matter further...or not? They cannot find the one account and the other they say, the Bank is not required under section 77, to provide any info.

 

Any help please is very much welcome.

 

Vonn

[Vonn]

Hi

Can I take this matter further or not?

 

Any help is very much welcome.

 

Vonn

Edited July 27, 2010 by Vonn

[dx100uk]

Hi

I've just rec'd a reply from HFC Bank regarding my 2 accounts which were paid in full in 2003.

It states "The bank is not required to provide information under Section 77 of the Act when a loan agreement has been paid in full. We confirm account number: XXXXXXXX closed on March 2003.

Please note we have conducted a reasonable search for account no: XXXXXXXX and at the time of request it cannot be located. Details of any account which has been closed over six years will no longer be held on our systems".

 

Can I take this matter further...or not? They cannot find the one account and the other they say, the Bank is not required under section 77, to provide any info.

 

Any help please is very much welcome.

 

Vonn

 

 

sar them is what you should have done

 

this is just more delaying tactics

 

sar them!!

 

dx

[Vonn]

Thanks dx! Will do that asap!

 

Cheers

Vonn;)

[a_bx]

You could try a Subject Access Request but I fear they may say they dont keep ANY records over 6 years again.

 

If youre planning to take action against them its harder to do it after 6 years anyway.

[dx100uk]

why have you started another thread on the same subject?

 

dx

hit the red warning triangle and ask for them to be merged.

[MARTIN3030]

Done.

[patrickq1]

You could try a Subject Access Request but I fear they may say they dont keep ANY records over 6 years again.

 

If youre planning to take action against them its harder to do it after 6 years anyway.

 

the 6 years only starts to run from the end of the agreement ,so they must keep copies under the money laundering act..

so SAR THEM if they refuse this time send at the same time as the SAR a copy letter to the INFORMATION COMMISIONERS OFFICE along with copies of what they have sent you so far and let HFC know you are doing this as a matter of course ..

patrickq1

[Vonn]

Thanks patrickq1, appreciate the good advice!

 

Vonn