PPI complaint with FOS re HFC/Household question as i am baffled

[lillymay34]

HI all

 

i have been dealing with HFC/Household and the FOS for nearly 2 years now re the miss selling of PPI on 3 loans we had, around 2 weeks ago i got another call from the senior manager, as my case was passed to someone higher after i was not happy with the outcome of the adjudicator originally, he said that HFC had paid all money owed to us through the loans, when we paid them off? I disputed this and have done for around 3 years now, then i called him Friday, and HFC have said they cannot find the paper work to show that we were refunded the single premium PPI on the loans? and all the paperwork i had re the loans i have sent to the FOS?? I have been advised to look for more paperwork by the FOS, i asked what would the outcome be if i could not find such paperwork, and he said "he did not know" and really if i do not have anything and HFC do not have anything then really there would be no case? can someone help please, surely this is not fair

[dx100uk]

where did the paperwork come from?

 

and how old are these

 

HFC will do anything to frustrate PPI reclaims believe me.

 

more info please

 

dx

[lillymay34]

Hi

 

the paper work is all from Household bank HFC from the original loans, but when we re financed it does not show the PPI refunded on them? but we never got the money back, also the FOS said one of the loans was a monthly payment and not a single premium but it was not, but he states the HFC have said it is? it seems they are siding with them, FOS seem to believe them and not us, even though i have given all paper work i can find relating to the loans and PPI? the time scale is around 5-8 years

[dx100uk]

have you still got copied of the agreements?

 

dx

[lillymay34]

yes still got everything this is what is so strange i sent this to the FOS

[dx100uk]

lets see the agreements etc

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto 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

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx