DLC / Hillesden Securities Ltd formerly HFC Bank Ltd

[sjb112]

Hello there

 

I'd welcome some advice as a newbie re: DLC / Hillesden Securities formerly HFC Bank (although I also have some correspondence to suggest Beneficial Finance are also involved). I am acting on behalf of a friend via POA and DLC are dealing with me directly.

 

I don't know exactly what type of account is involved nor do I have an original agreement or any statements so no idea whether any PPI or credit card charges to reclaim. I wrote in Oct 2010 asking for CCA and received timely response stating it was current account with overdraft facility (some of the posts on here suggest that this may actually be a credit account - but DLC say it is exempt from CCA as current account) but that they have made a request to HFC for a statement of account. I receive regular letters saying this has not yet been received but will be forwarded as soon as it is.

 

They also draw my attention to McGuffick v RBS on enforcement and say "whilst we may not be able to enforce the account until documentation is provided, the monies remain outstanding and the underlying obligation to pay remains intact".

 

I am currently sending £20 PCM as agreed, but have recently received an account closure notice subject to payment of half the outstanding balance, just over £200.

 

Any advice would be gratefully received.

 

thanks

[ims21]

Hi

 

Sorry you've been missed.

 

I would suggest a SAR to HFC (Beneficial are HFC). There is a template in the CAG library, the kink to which is at the top of every CAG page in green. Cost is £10 and they will have 40 days to comply.

 

Looks like you have received a discount letter which generally indicates that something is amiss their end and the account may be full of reclaimable PPI and/or charges.

 

Make sure you add a brief paragraph to the SAR letter that it is to include copies of any and all agreements ever held with them

 

ims