vjohn82 vs. HFC (PPI Claim) **WON**

[dx100uk]

get reclaiming look at all those unlawful fees!!

 

removed at latter as it shows your name

 

dx

[dx100uk]

the name is not blanked out!

 

dx

[dx100uk]

you'll have trouble with hfc wriggling anyway on charges/fees & PPI

but if you've got the agreement [which you have]

then as they've been fined £1.8M in the past for PPI mis-selling and to my knowledge been warned twice since about the same thing they were fined for - they'll cough once the

fos get ahold of it.

 

as for the fees - they'll go for SB'ed, but again i'd put in a claim too.

 

adds to your case of just how poor hfc are at customer fleecing.

 

just as a point of order, when if at all might you have disputed what you owed or when you might have first questioned their actions on the a/c?

 

dx

[dx100uk]

ok letes slow down here and back track a bit....

 

 

thats a letter from the adj [ it is NOT legally binding on HFC]

 

did you reply and accept it?

 

let the FOS deal with getting the money out of HFC

 

you are only entitled to the refund of the PPI PCM premiums YOU ACTUALLY PAID + 8% state interest from the date of each PPI PCM payment to the date of your claim

 

let the FOS calc it.

 

i would NOT go anywhere near court

 

that would be slapping the adj in the face.

 

dx

[dx100uk]

They have already ignored the adjudicator decision.

 

 

 

I only realised that they were added onto the account last year when I received a batch of the paperwork. I had forgotten all about this account to be honest owing to some intervening mental health issues/moving house/marriage/degree studies/kids.

 

So I think s.32 of the Limitations Act covers this part as I could only have been aware of a cause of action once I had received the docs. The FOS complaint went in soon after.

 

 

 

I first wrote to HFC on 18 May 2010 via an SAR... I had been previously contacted by AK in 2009 but I was far too ill to be dealing with them. They threatened court in 2010, I denied liability and requested the usual evidence. They spent a long time trying to get it. So I went the SAR route.

 

I received the SAR within the 40 day time frame. Spent some time going through it. Discovered it was SB first. Found the PPI issues later on. I had paid quite a considerable amount in premiums and due to their attitude on the phone and the harassment from AK I wrote to the FOS regarding their behaviour. The FOS sent out a PPI claim form and I filled it in.

 

This is where we are now. The FOS Adjudicator found in my favour. HFC refuse to comply. It's now been passed to an Ombudsman.

 

ok wait for the omb to reply then .. you should not go anywhere near the court.

 

as for the charges reclaim

sadly you dont stand a chance !

 

sb'ed

 

dx

[dx100uk]

it all boils down to hfc and their total disregard to any care for the customer

in the last 30yrs HFC have treated customers as easily fleeced cash cows.

the FOS fined them - so what they are saying - we'll still not payup until its gone all the way through the fos process to the ombudsman - then its legally binding and they must cough

they still delay/confuse/wriggle laugh whatever at how they got away with earning £M's out of customers

 

if you go the court route, IMHO you are slapping the FOS in the face and not adding to the ever growing pile of evidence to help them fine HFC again.

 

terrible company terrible.

 

dx

[dx100uk]

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

[dx100uk]

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

[dx100uk]

is this loan still running?

sorry long thread

 

dx

[dx100uk]

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

[dx100uk]

love it!

 

so it was a rather tidy sum then!

 

bet that made them squeak!!

 

i shall make this thread won then!