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After nearly 5 years i have finally had a letter from HFC saying they will be refunding my PPI that was missold to me when i originally took out the loan.

It is quite a sizeable amount they are refunding but they say they are going to offset the the amount against the loan as i i still owe them and am in arrears on the loan.

The reason i am in arrears is because off the amount the was originally added to the loan even though i never asked for it!

What i want to know is can they do this or can i request the amount in a cheque to myself, if not can i least claim the 8% interest that they have added to the refunded amount?

Don't get me wrong, i am very happy with this victory and of i can't have it refunded to myself at least it knocks off a substantable amount i owe.

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hehe typical fleecers never lie down ALWAYS try it on.

 

now we need to be SURE hfc have calc'ed the figure correct

they are VERY well known to short change people.

 

scan your agreement

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

 

now what SHOULD happen is that you are put back into a possistion whereby the PPI never existed on the loan

so IF you are saying that IF the PPI is what is now giving you the balance then thats wrong.

 

they can take NOTIFIED arrears only nothing more

 

are you still paying and how much too?

 

dx waves to the 3 HFC guest spies

 

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.

 

 

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I am unable to scan anything as i don't have a scanner. The figures all work out fine though having checked. The refund is less than what i owe on the loan as i went in to arrears and default not long after the loan was taken out due to circumstances and the the loan should have been cleared 2 years ago had i stuck to the original agreement so i the arrears i owe is more than the refund i will recieve, doed this mean that they can offset it all against the loan bringing the amount down i need to clear?

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mobile phone pixs?

 

The reason i am in arrears is because off the amount the was originally added to the loan even though i never asked for it!

 

bit concerns me

 

if you did not have the ppi, you are saying the debt would now be clear with this refund?

 

puzzled

 

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.

 

 

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Had i not gone on to a reduced repayment plan the loan would have been paid off by now and i would have a cheque coming to me for the amount that is now being offset against the loan. But, as i went on to reduced payment plan i still owe i fair bit, the refund on the loan will help bring it down by half which is good news as i wont be paying it off till i'm a 100 years old but i could do with the money as i'm on reduced payment plans with a few of my creditors and it would be nice to pay some off all of them rather than just one of them as i'm trying to pay my debts fairly and equally due to the help they have given me while i have been going through financial difficulty.

 

The reason i am in arrears is because off the amount the was originally added to the loan even though i never asked for it! - Because it was added to it and i wasn't told about it and it was never explained so it was another 5000 i never knew about!

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ok #if hfc have put the unpaid portion of the lower payment on to the end of the loan each month and are charging extra interest on it, then they must also take this into account in the reclaim total.

thus, as you say, so much would not have needed to of been paid every month if the PPI was not there.

 

pers i would not let them get away with this.

 

specifically, the FOS guidelines have been updated recently to encompass such things.

 

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.

 

 

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