HFC PPI - found letter cancelling

[dx100uk]

What kind of stuff are you looking for ?

 

i'll do some more at the W/end

 

but initially i'm looking for any evidence that indicates HFC allowed payment of the 'montly' due amount by a 'paying in card' over the counter at local branch

 

i am also looking for evidence that the account number 'structure' for the personal loan account plus they offered was actually in the format of:

 

###-####-#

 

i had one for many years ending in nov 93, which they closed and forced me to convert to a 'normal' loan

they then totally denied me ever paying anything over the counter at the branch [which closed down and the staff were all let go - i believe internal fraud - but hfc hushed it up - shame i have their names and signitures!]

so i got fleeced to the tune of £3500+ over sev years of 'paying in' for it to go no-where.

never even had an agreement [because i was told it was a bank account - get me problems

 

btw: those docs you have posted are very useful already

 

dx

siteteam

sri 2 hi-jak

[gettingsorted]

Thanks dj - have added the 8% to it.....will send it off registered tomorrow.

 

dx - will have a trawl through what i've got over the week-end - did I put scans of the whole CCA or just the front page, can you remind me please.

[gettingsorted]

Have received a reply from HFC; they have totally ignored the detail in my letter and have sent us what looks like a standard misselling PPI letter and questionnaire and requesting a reply within 10 days !. My initial thought is to totally disregard the questionnaire as we are not claiming for mis-sold but for PPI which was cancelledby us and the payments were not stopped by them !

Attached is the letter and stuff.

Any thoughts on this matter ?

[dx100uk]

about typical for this shower

anything to delay the process of giving people their moneyback.

 

i have never ever known hfc to say 'yes, sorry here is your money'

without pulling everytrick in the book to dis -hearten the claimer and make them give up.

 

don't!!!!

 

dx

[dj1971]

As dx says, do not give up on claiming back what you are due.

 

I suggest you fill in their PPI form and refer them back to the answers in your letter to them.

 

Point out they have 8 weeks from the date after you sent your letter, which gives them xxxx time to provide a full and final response.

 

Failure to do so will result in a complaint to the Financial Ombudsman Service

 

Good luck

 

DJ

[gettingsorted]

Have had a look at the form and it is not relevant to the complaint at all so am planing to send them this ?

Further to your letter dated xxxx in reply to my complaint about PPI insurance being added to my account without my permission; and despite a subsequent telephone conversation with a member of your staff, xxxxxx and a letter to the same that the insurance was not cancelled and was subsequently charged through the life of the loan.

You appear to have sent me a standard letter and questionnaire which relate to the mis-selling of PPI. These do not appear to be relevant to my complaint which is that despite my requesting the cancellation of the Payment Protection at the start of the loan it was not cancelled and therefore I am reclaiming the Payment Protection paid over the life of the loan together with interest.

I enclose for your information a copy of my letter dated XXXX together with its enclosures. For your information I have highlighted the paragraph detailing my complaint as well as other relevant sections.

I look forward to receiving a reply to this letter within the next 10 days.

Do you think it will do

[dj1971]

Personally, I would fill in the form refering them to the information already disclosed on your letter.

 

Is a tick box exercise, but may prevent any further hold ups.

 

DJ

[gettingsorted]

Well - struggled through the questionnaire and finally decided that it was not relevant to our complaint. So sent them this letter (see attached). Received their response yesterday (attached) and it looks like they are trying to lump us in with the whole misselling "hold" basket. This reads like a very standard letter.

In our opinion we weren't mis sold the insurance - they added it without asking and then when we cancelled it by letter they neglected to do so.

Now they have said that if we aren't happy that we can go to the Ombudsman but I'm not sure ?

Can I gave your opinions on where next ? Court, Ombudsman; I am planning another letter to them to try and get it through their heads about what the complaint is really about.

 

Have just spoken to the ombudsman and they are saying business as usual but even though I have the hold letter I still have to wait the eight weeks to refer it to them; but suggested another letter while I waited. They also said that I can go the Ombudsman then Court route but not Court then the Ombudsman route ?

Thanks

Edited November 2, 2010 by gettingsorted

[dx100uk]

yep well i knew HFC would pull that string

i've got three with them since jan 2009

all now with FOS

 

spoke to him 10 days ago and he said that claims in the pipeline should be honoured and that for them, its business as usuasl

 

but we all know what HFC are like

 

customers last, lets wriggle and wriggle until we can either make the customer give up and or find another way not to pay customers back what is rightly their they have been fleeced of over the last 25yrs.

 

disgusting company.

 

dx

siteteam

[gettingsorted]

As expected no further response from HFC and as I have another ten days or so to wait to refer to the FSO thought I would follow the Complaints Procedure they kindly enclosed in their first letter and write to the Chief Executive !

I have seen on another thread that it is David Budd can anyone confirm ?

Thanks