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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
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vjohn82 vs. HFC (PPI Claim) **WON**


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HFC have made an offer in full settlement to place me in the position I was in before I took the loan and PPI.

 

However, the FOS has indicated that HFC will be looking to "set off" against the loan balance. The "loan" itself was sold to Aktiv Kapital many years ago and is now statute barred.

 

I suppose I'm just wondering where I stand with this?

 

Any advice appreciated.

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Surely before you had the loan and PPI, you didn’t owe them any money? Therefore they should give it back!

 

Was the PPI taken as a lump at the start? Who’s to say you didn’t pay that bit off first?

 

Moreover, you had no agreement with Aktiv Kapital, so how can they be a beneficiary of an agreement you entered into?

 

I think there’s a few threads around on this kind of ‘offsetting’. Worth a trawl.

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key points as I see them:

 

– the account from which the firm transfers funds must be held by the customer who owes the firm money (FAIR ENOUGH)

– the account from which the firm transfers the money – and the account from which the money would otherwise have come – must both be held with the same firm (OH DEAR – WHOOPS!)

Edited by DonkeyB
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– the account from which the firm transfers the money – and the account from which the money would otherwise have come – must both be held with the same firm (OH DEAR – WHOOPS!)

a big WHOOPS you dont owe a carrot dude game over ,

patrickq1

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  • 2 months later...

Ok, the FOS agreed with me and HFC Bank have been forced to concede defeat.

 

I have signed my offer form but have said that they process the paperwork and payment 28days + 5.

 

Has anyone been paid out quicker? It would be nice to have it before xmas.

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welldone!

 

knew they'd crumble aLWAYS do.

 

just WATCH their figures though!

 

if it doesn't match your SOC refuse it and ring the FOS straight away.

 

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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what you wanted and what they should refund are two diff things john

 

i got mine about 1 mts ago in less than 10days

though that was bacs

 

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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is this loan still running?

sorry long thread

 

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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i got my HFC payment before 21 days VJ , I sent an email to the Director and Accounts Manager with a bluff that i was not satisfied with the terms they offered ie payment , it was in my bank 7 days after they reseived my leter and by the time i accessed the funds it worked out 21 days ..ime still argueing with them over the higher interest rates and the accounting they do, as far as i can see they are using the american method of accounting which is different from the advised method by the FSA ..so i await the FSA 's andswer to thsi ime hopeful they have to readjust the payments and pay me back the excess of overcharging.

patrickq1

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HFC have used the FSA guidelines for calculating the redress... until I have that payment in my bank I'm not saying anything else about the figures.

 

Got an email address Patrick? I'll bung them a message saying I want the dosh sooner... they owe me it considering they lied in their letters to the FSA.

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i got my HFC payment before 21 days VJ , I sent an email to the Director and Accounts Manager with a bluff that i was not satisfied with the terms they offered ie payment , it was in my bank 7 days after they reseived my leter and by the time i accessed the funds it worked out 21 days ..ime still argueing with them over the higher interest rates and the accounting they do, as far as i can see they are using the american method of accounting which is different from the advised method by the FSA ..so i await the FSA 's andswer to thsi ime hopeful they have to readjust the payments and pay me back the excess of overcharging.

patrickq1

 

Patrick... do you have the email address for the Director and Accounts Manager?

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If you don't mind giving some advice please

 

I opened a thread regarding PPI and the set off issue

 

My situation is have original copies of a couple of CCA with PPI added from years ago and paid them up in full. have them stamped so.

 

But have another loan with a balance outstanding with same company to which I have lost the original agreement from about 2002/3 I think and I have sent for a CCA request to check out the PPI to see if it will cover my o/standing balance. don't think it will but they state that they have not got the original agreement AND ARE NOT PLAYING BALL.

 

Therefore my question is if I stopped paying the o/standing balance on my current loan due to no CCA and put it into dispute, if I then claimed for MY PPI on the agreements that I have the originals of from years ago, could they still set off the PPI against my outstanding loan if it was in dispute due to no CCA.

 

Any thoughts please

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They could set it off against an outstanding balance in your situation. Having no CCA makes little difference in the grand scheme of things because the FSA/OFT still accept that a liability exists on some level.

 

However, if the PPI was missold then there is a potential for the entire loan to be written off. But that's going into some very technical arguments and I would need at least £1/2 million before I consider helping you :whoo:

 

Seriously though, missold PPI is a nightmare for the finance industry right now. Challenge it anyway and see if it reduces your overall balance... use it as a stick/carrot depending on your circumstances.

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If you don't mind giving some advice please

 

I opened a thread regarding PPI and the set off issue

 

My situation is have original copies of a couple of CCA with PPI added from years ago and paid them up in full. have them stamped so.

 

But have another loan with a balance outstanding with same company to which I have lost the original agreement from about 2002/3 I think and I have sent for a CCA request to check out the PPI to see if it will cover my o/standing balance. don't think it will but they state that they have not got the original agreement AND ARE NOT PLAYING BALL.

 

Therefore my question is if I stopped paying the o/standing balance on my current loan due to no CCA and put it into dispute, if I then claimed for MY PPI on the agreements that I have the originals of from years ago, could they still set off the PPI against my outstanding loan if it was in dispute due to no CCA.

 

Any thoughts please

 

HFC didn't with me

 

i've had 4 lots from them on old loans, none were offset against the current.

 

the only time they offset was PPI on the current loan, then they took the arrears ONLY.

 

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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Hi guys

 

Sorry did not get back in touch with you yesterday evening, had to take my son to emergency docs.

 

Surely though vjohn82 they would at least have to provide a reconstructed version of my CCA (which would do me fine because it would have to include any PPI ) before they could set it off against my outstanding balance otherwise how can the FSA/OFT still accept that a liability exists on some level if the bank cannot provide either.

 

On the subject of PPI that was missold and the potential for the entire loan to be written off, I did read something about that on a thread from this forum dating back to 2009 BUT CAN I FIND THE DAMM THING!:mad2: could have saved myself a cool £1/2 million :sad:

 

(If ONLY) Wish I had £1/2 of £1000 nevermind £1/2 million vjohn82 :violin:lol

 

Been to the dark side with debt vjohn82 and only for the help and advice from CAG and people like yourself and dx I don't know what would have happened but hopefully now begging to see light at the end of the tunnel and give them a taste of their own medicine.

 

Speaking of which what I forgot to mention was as I stated earlier I am 100/% certain that my current loan was opened either in 2002/3 yet they stated in their correspondence when they could not find the original CCA for the following account number that was opened on the xx Nov 2005:???:

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