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Beneficial finance/ hfc PPI


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Hi

 

I was looking through my old agreements and came accross ppi for a loan took out august 2007.

 

Its was with beneficial finance and i paid 264 a month, interest was roughly 27%. the original mount taking was 5700 with interest to be added on

 

How do i work out how much im owed on the ppi. Havnt a clue how to work it out depsite looking through the threads..

 

Cheers.

 

(also it was due to finished a while a ago but money trouble has stopped me doing this.)

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to help more

 

my loan was £5764.95 took over 3 years paying £264.78 a month with 26.48% interest rate

 

They reckon they have no details to give me over phone with regard to how much the ppi was.

 

They said an amount was added to the original loan.

 

any help cheers

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  • 1 year later...

It's definitely worth contacting them to find out what's what.

Mention any change in circumstances if there are any. It can't do any harm.

Good luck.

[sIGPIC][/sIGPIC]

 

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if you are in genuine hardship possibly

 

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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Let us know how they respond. Good luck.:-)

[sIGPIC][/sIGPIC]

 

Welcome to the Consumer Forums

Free advice and support to to solve your consumer problems.

You will soon discover what a friendly place this is and get lots of hints about standing up to consumer bullies or dealing with other consumer rights.

 

Which guide to the Sale Of Goods Act

 

New advice guide explains credit card rights

 

Help the CAG!!

Make a donation

 

ARE YOU A VICTIM OF COWBOY BUILDERS?

 

Has your RBS account been transferred to Santander?

 

Forum rules. Please read these before posting

 

PLEASE CHECK OUT THE CAG LIBRARY!! IT HAS LOADS OF USEFUL STUFF IN THERE. CLICK HERE

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  • 3 months later...

Hi

 

the financial ombudsman, have sent me a letter with a offer hfc (beneficial finance) have made.

 

They have offered to refund all premiums, interest relating to life cover but not relating to accidents, sickness and un-employment.

 

Is this normal, the ombudsmans letter states if i reject this there is a chance il not get anything back obviously

 

Regards

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Is this to do with your thread here?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?344930-Ppi-advice&p=3781552#post3781552

 

 

Have you got your own calculations done for the claim?

 

What reasons have they given for not refunding the remainder?

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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all it states is that hfc are defending the claim for accident, sickness, and unemployment.

 

i havnt actually worked it out, as ive misplaced the credit agreement but the loan was roughly 7000 plus interest on top of that.

 

not sure whether to accept but they dont tell me how much they are offering, i guess the whole point of me applying was because i told hfc that in my current role i get 6 months full pay long term sick etc

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As before, is this to do with your thread here?

 

http://www.consumeractiongroup.co.uk...52#post3781552

 

HFC will send you an offer letter with the figures on it. You can't accept an offer if you don't know how much it is. Their offer letter may contain some information as to their reasoning.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Two threads merged on the same issue

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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another thread merged too

 

please keep to ONE THREAD per claim

 

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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ive rang the ombudsman and im left a bit confused.

 

Without even looking at the offer, i know i wont accept it and so rang to confirm that. The lady replied to me that i have to sign the settlement form regardless. is this correct

 

it states the following ' i confirm acceptance of the offer made by HFC bank outlined in your letter, in full and final settlement of my complaint'

 

confused,

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no await hfc letter

 

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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