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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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HFC contacts needed in UK **** RESOLVED ****


MartLondon
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I had a loan of £18000 from HFC bank over 7 years ago I then lost my job got made redundant i talked to them about this and have a written agreement to pay a certain amount every month with no interest or charges this has never changed, I have recieved nothing else in writing to say interest will be aded to the acount I have paid most of the loan of under the agreement and owe just £2088 which I wanted to pay off today as I have the funds i called the customer service number to get told i now owe £8000 and I am paying interest, can they do this? i cant find any working contact details in the UK it all seems to go through a call center in India.

 

Thanks

 

Mart

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Hi

 

Welcome to CAG

 

You really shouldn't be trying to deal with this on the phone.

 

This should all be in writing.

 

Have they not been sending you statements?

 

ims

 

Don't lose that written agreement you have for "no interest" and the agreed payment plan.

 

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I have not had a statment for quite a while now i did not think anything of it untill i realised i had enough funds to pay the account and decided to pay it off I will send a letter and a copy of the agreent to them and see what happens.

 

thanks for the welcome :-D

 

Mart

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  • 3 weeks later...

Well here is the update I have now sent 2 letters to HFC and no reply to either:-x, is this a waiting game? do I keep repeating myself and send these letters again? I bet if I cancel my standing order I get a letter within a week:wink:.

 

Mart

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Well here we go again!

 

I have finally recieved a reply from HFC after only 2 letters thats not too bad but the letter was very vague.

 

Loan £18000

Date May 2005

Loan matures 13th january 2013(what does this mean?):???:

 

* We are unable to find your orignal loan agreement please call customer services if you require more assistance*

 

Now I have be paying £212 per month with no charges/interest if i carry on paying this amount it will amount to £2544 (I have these avaliable funds now to pay this off )does the word mature mean my loan is finnished?

 

 

Thanks

 

Mart

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Hello All

 

Well here we go, I finaly got a reply from HFC complaints department after the second letter I sent, not only did i get an apology for the wrong information given to me by there automated system I also got an apology for the wrong information given to me by there customer services team, they have agreed that no interest/charges should have been added to the account and I have now recieved the final settlement figure which I have paid in full today:wink:

 

To get to this stage I wrote to the complaints department and got the reply from the following person Sameena Malik Complaints Investigator Central Complaints Department.

I have also found an alternative number to call for you no more 0845 expensive calls I used this number today and it works:whoo:

01344 890000(was 08456023793)

 

this web site might also be helpfull to you guys

saynoto0870

(which I cant post properly because I have only 7 posts)

 

you can do a company search and find alternative numbers to the usual 0845,0870 etc

 

hope this info helps some off you and thanks to those who gave me advice.

 

HFC account now closed:whoo::-D

 

Mart

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