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dx100uk v hfc ppi account 3[c]


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this relates to a:

'personal loan plus' account i had from

1986 - 1993 ending at a £2000 balance refinanced at their insistance

 

the insurance was taken by direct debit from another a/c [co-op] and was called IC Protection Premium.

 

i have yet to work out the way the sums were calc'ed but they ran at [pcm]:

 

£3.33

£6.66

£8.40

£10.47

 

as the balance increased

 

i sadly dont have the agreement

 

but have used my co-op bank accounts statements as eveidence and the facat that the agreement for the refinance loan [account b thread] shows this number.

 

hfc have refused the refund as they have no evidence i ever held the A/C

 

and the current status is it is with the FOS they have just asked for bank statements and a copy of account b's agreement..

 

the claim is for £1880

 

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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  • 2 months later...

this has been bouncing around in letter tennis with the fos.

 

the crux is i don't, nor ever did, sign an 'agreement' as it was a bank account

 

the upshot is there is no direct 'proof' that they did or did not, advise me it was optional etc etc.

 

adjudicator has said he cannot uphold it for this reason.

 

i have refered it to the ombudsman as i'm not happy with this

 

letter received today to confere with me that they have everythign before it gets placed in his in tray.

 

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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  • 1 year later...

still with FOS

 

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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Dx , i hope you get a result with this , as the HFC have been by far the worst company for me to deal with .

 

I will be making an official complaint to the ICO when i have an answer to my failed SAR, about the way they handled my original SAR .

 

Best of luck and i hope you get every penny you are owed from these [EDIT].

 

Joe90

Edited by ims21
Problem word used
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