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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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HFC Victory


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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..

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 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..

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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Share on other sites

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..

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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