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How far back can i claim


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Hi,I have an old account with HFC opened in Oct 2000 and closed in Oct 2006.It was on of those single sum premiums that you didnt realise you were paying interest on for the life of the loan.

I did a SAR for accounts with HFC and this one they said they do not supply info on closed accounts. I have the original agreement though with all the figures. I would like to know if it would be worth trying to reclaim? I have already been sucessful with one claim with HFC.

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Shriel.

 

As you already have the original credit agreement, then yes you sure can go claim your money back.

 

Just as a point of fact, they cannot refuse to supply information as a result of SAR just because the account is closed.

 

Just remove all your personal information, name, address etc and post the agreement up for us to have a look. Will see if I can work out how much you should be claiming.

 

DJ

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oh!!

 

 

 

oh.....you're in for a windfall...

 

 

 

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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Ok Shriel,

 

The amount you should be claiming back is:

 

Total PPI: £1,800.38

Compound Interest: £1,179.83

8% on monthly premiums: £1,748.08

8% on difference from date of loan closure: £1,155.50

 

Total claim = £5,883.79

 

Couple of points to note Shirel:

 

1) The 8% statutory interest on monthly premiums is paid from date of each repayment, until date of settlement. Now as we cannot know the date of settlement at this stage, I have used 1st September 2010.

2) The 8% on difference is total cost of PPI + compound interest. Ie the difference between what you actually paid and what you would have paid had the PPI not been added.

 

What are your reasons for claiming mis-sold?

 

DJ

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Well it was never explained to us that we would pay interest on PPI for the term of the loan,and it was just assumed that it was a term of the loan.We never asked for it.

Nothing was really explained just a document plonked on a desk for signature and being the mugs we were then we signed.

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Ok,

 

So get your initial letter sent off to HFC outlining the reasons you believe you were mis-sold and include a copy of the calculations I have done for you.

 

They have 8 weeks in which to investigate your complaint and either reject it, or refund your claim in full.

 

If they reject, or do not respond within the statutory 8 weeks, you can then refer to the FOS or take them to court.

 

Get your letter sent off Shriel and get your money back.

 

Good luck

 

DJ

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Thanks a lot dj1971 I have reclaimed PPI from HFC through FOS last year but never pursued this one as they said they did not have to supply any docs as it was closed. I will pursue it now though. Thankyou for your help and I will update.

ps. tickled you.;)

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  • 3 weeks later...

you'll get one from whomever you claim too probably

 

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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Well I have downloaded the questionaire and started to fill in details. I am wondering if I should also send a letter to accompany it? Also as they have stated (in SAR request reply) they do not have an agreement for this account,I however do have all the docs.Should I send them a photocopy of the agreement???

hfc.jpg

 

Shirei

Edited by shirei12
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it wont matter you're doing the FOS one

they'll send their own to delay you.

 

yes send a copy of the agreement

 

 

they cant wriggle if you have that.

fos will make them cough

 

will be interesting to see what stance HFC take here.

 

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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Does this letter seem OK.

 

Dear Sir/Madam,

Ref – Account no: XXXXXXXXXXX

I believe I have been mis-sold a payment protection insurance policy added to the above account and would like to request a full refund of my premiums, plus interest paid.

I took out a £6900 loan at your xxxxxx branch on 21/10/2000 and also bought a payment protection policy which would cost me an extra £1800.38 over the life of the loan. The total amount of my premiums plus interest is £ 2980.20. I have enclosed a photocopy of the Agreement for your information.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy. You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.

I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments. I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation.

In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.

I am requesting a full refund of all my insurance payments, plus interest, which total :

Total PPI: £1,800.38

Compound interest: £1,179.83

8% on monthly premiums: £1,748.08

8% on difference from date of loan closure: £1,155.50

Total claim = £5,883.79

1) The 8% statutory interest on monthly premiums is paid from date of each repayment, until date of settlement. Now as we cannot know the date of settlement at this stage, I have used 1st September 2010.

2) The 8% on difference is total cost of PPI + compound interest. Ie the difference between what I actually paid and what I would have paid had the PPI not been added.

If I do not receive a favourable response from you within 8 weeks of this letter I will pursue this claim through the Financial Ombudsman.

Yours faithfully,

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send a copy of your spreadsheet too.

 

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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well inc a copy of that agreement

 

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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the letter is ok

 

just send them a copy of the original agreement you have.

 

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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HFC are based in Brum!

 

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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