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HFC revolving credit agreement


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I had one of these loans with HFC way back in 1998.

 

Initially it was fine and then i fell into difficulties.

 

I moved house late 99 and thought naively that I wouldnt be traced.

however HFC contacted me by phone (unlisted number!!) and I started payments again.

 

Long story but eventually I was transferred to Robinson Way and I have agreed several plans with them.

 

last year I got fed up and asked Robinson Way for the original credit agreement etc.

 

No response until yesterday when they sent me some ridiculous staements from 1999

showing payments and interest applied and also PPI.

 

No agreement and as far as I can see no evidence supporting their demands.

Any suggestions about how to proceed?

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Hi

 

Knowing HFC there are probably loads of late fees etc you can claim back. Also what about reclaiming the ppi?

 

If RW haven't provided you with anything sensible after your CCA request for your credit agreement (for which you will have paid £1) they cannot collect on the debt. If this is the case put the account in dispute with them. There is a template letter for this in the library (link at the top of the page).

 

Get reclaiming those charges as well.

 

Do you feel the ppi ws mis-sold? If so, start a claim to get that back as well.

 

DO NOT TALK TO RW ON THE PHONE. DO EVERYTHING IN WRITING AND IF THEY CALL YOU, REFUSE TO ANSWER THEIR SECURITY QUESTIONS, TELL THEM EVERYTHING IN WRITING AND HANG UP.

 

ims

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when did you first stop paying and then restart paying?

 

sounds like this is well sb'ed.

 

robbersway have just brought 25yrs of old HFC debts that are all SB'ed and are actively trying to fleece prople they can get ahold of.

 

this HFC portfolio has been sold off through one of their offshot names [beneficial finance]

 

all documents were shreaded years ago when the £1.8M PPI fine was levied against them.

 

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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Hi

 

initial request or ppi refund will go to HFC. They will have 8 weeks to respond.

 

After that you decide whether to go to fos or court.

 

What are your grounds for believing you were mis-sold? Again, knowing HFC, most people were mis-sold back in those days!

 

Make sure you look at the fos website for their pdfs and questionaire.

 

ims

 

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I was in an NHS job which paid me full salary for 6 months and I dont recall being offered the chance to decline. I was successful with reclaiming from Welcome so feel quite confident!!!

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well you'll win hands down

it should be a quick FOS case too

 

i am the same.

 

and they KNEW where i worked as it was put down on the APP form!

 

if you've got the agreements and it says your place of work

its a no brainer!

 

make sure you put that in the FOS complaint form you sent to HFC and also inc a copy of your SOC AND the agreement with the bit highlighted.

 

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 month later...

An Update.

 

Robinson Way are now actively seeking payment from me again.

 

I have replied to them today in writing but have just had a call from them.

 

I refused to go through their security but told the caller that what they had sent in response to CCa

was nonsense and also that as far as I was concerned the debt was time barred.

 

She then said its not because I made a payment last September.

 

Any thoughts and advice gratefully recieved.

 

Thanks

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ignore robbersway

 

they soon play their cards.

 

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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oh and whats the golden rule about dca's?????????

 

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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Hi IMS.

I think I did make a payment in September cos I was involved in a dmp at that time before I saw sense.

 

i know I shouldn@t speak on the phone but I was just in from work and she got me at a weak moment!!!!

 

I didnt answer the security questions though so maybe she should have ended the call??

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Hi IMS. I think I did make a payment in Septembercos I was involved in a dmp at that time before I saw sense. i know I shouldn@t speak on the phone but I was just in from work and she got me at a weak moment!!!! I didnt answer the security questions though so maybe she should have ended the call??

 

OK so not SB then.

 

So, have you put in your claim for refund of charges and the other one for ppi?

 

Also, if they still haven't complied fully with the cca request, the account is still in dispute.

 

as dx says, ignore them for the moment as you have defences ready and counterclaims.

 

ims

 

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  • 4 months later...

An update . Any advice would be appreciated. I was notified today by HFC that my complaint about PPI is not being upheld. They say that all the posters and documents stated that PPI was not compulsory and every other complaints was denied also. Do I now complain to FOS

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An update . Any advice would be appreciated. I was notified today by HFC that my complaint about PPI is not being upheld. They say that all the posters and documents stated that PPI was not compulsory and every other complaints was denied also. Do I now complain to FOS

 

Does their letter say it is their final response?

 

ims

 

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what did you sent HFC?

 

an SOC and the FOS questionaire.

 

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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Hi

 

fos or court are the options.

 

If you write to HFC again they are 99% sure to just say they have given their final decision so you need to decide whether to go the free route of fos and wait or issue in court and put in the work yourself.

 

ims

 

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