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HFC PPI Re-Claim


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Hi

 

I would be grateful if anyone could assist me with a problem I am having with HFC Bank Ltd, in relation to two PPI Complaints.

 

Complaint 1 - This relates to a purchase at Currys in 2004

 

 

I sent off the claim and have received a letter acknowledging receipt of the complaint.

 

However, their letter is requesting further information from me regarding the PPI.

 

HFC state that because it is over six years since the loan was taken out they have nothing to on file,

as in line with Data Protection my records have been securely destroyed.

 

They have requested that I forward them a copy of Credit Agreement,

and a copy of Bank Statements/HFC Account Statements showing all the payments made to this account.

 

They state that it is important that I provide proof of all payments as should they uphold my complaint,

then they will base their redress calculation on proof of payments only that I have provided.

 

 

Firstly, is it right that they have no details what so ever of my loan?

 

Fortunately, I have a copy of the Credit Agreement so will be forwarding that to them with a covering letter.

 

However, I have no Bank Statements or HFC Account Statements.

 

Please can you advise where I stand with this and are they right to basically state that the onus is on me to prove that I paid for PPI?

 

 

Complaint 2 – This relates to a purchase at PC World in 2004

 

I have no details regarding this loan so last week wrote off to request a copy of my Credit Agreement and enclosed a cheque for £1.00.

 

I do believe, however, that on seeing the Credit Agreement for my purchase at Currys that the Credit Agreement will be exactly the same with an automatically ticked box for PPI.

 

However, going off their recent correspondence into my other claim,

 

they are obviously going to state that they have no record of the loan on file,

 

and will leave the onus on me to provide them with the information proving I paid PPI.

 

Please can you let me know where I stand with this one,

 

and how I can go about making a claim if they do,

 

as I believe they will, state that they have no details on file?

 

 

Thank you in advance for any help or information you can provide.

 

Matt

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loan 1 they dont need payments , just a copy of the agreement - they cant argue then!! [did you do a spreadsheet & FOS CQ?]

 

loan 2 if you nor they have the agreement, then no dice

 

you should really SAR them rather than CCA that will give you EVERYTHING they hold on you.

 

HFC are the biggest wrigglers & the biggest to be fined [£1.8M]

 

and yes its well known all their retailer outlet agreements were pre ticked with PPI.

 

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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Thanks for the reply dx100.

 

I'm forwarding a copy if the Credit Agreement and covering letter for Loan One tomorrow. We will see how they respond to that and I will let you know if there is any further difficulty with this one.

 

What's annoying me with Loan Two is that, yes it's old and I don't the Credit Agreement but yet other Banks still hold details on file for customers yet this lot at HFC are saying tough,

we have nothing.

 

Last week the smug women on the phone HFC loved saying how I wouldn't get anything re Loan Two without proof that I paid it as there was no record of my account on their system.

 

Will see what comes back to my initial request and if not look to try SAR.

 

Just a shame that PC World hold no details of the Credit Agreement Number for my purchase.

 

They did, however, give me the Purchase Number and date of purchase to help me.

 

Once again thanks for replying.

 

Will update you as and when.

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cant you find the payments from your bank statements.

 

it is well known the hfc employed hundreds of mobile shreader vans across the country

when the PPI scandal broke some years back

 

they shreaded everything they could!!

 

dont put in a reply to them on loan 1 before you do a FOS CQ and an SOC [spreadsheet]

DO IT PROPERLY BY FOS GUIDELINES

 

else they'll wriggle.

 

and stay off that phone!!

 

writing only!!

 

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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Sounds like I've got a fight only hands with this one.

 

I dont have any Bank Statements that far back no. I'm actually with a different Bank. Presume if I contact them they could assist me?

 

Will the PPI payment be separate on the Bank Statement to the actual loan payment? Just wondering how else I would be able to detail a schedule of charges.

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sar your old bank?

 

the two loans are the same as such ppi was typ 13.1%

 

i've had one the same with statements of the loan but no agreement with the fos for years

 

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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Just popped in to my old Bank, they are sending me out copy statements from 2004 to 2006 initially. Free of charge too. Told the lady exactly what I was after - HFC Loan Direct Debit Repayments x2. She said if I need to go any further than 2006 just to pop back in and make a further request. Was suprised they offered copies free of charge.I'll work through those first, and then take it from there.

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  • 5 weeks later...

I'm back!

 

Well with complaint number two,

 

as I don't have the Loan Agreement and they state that required further info on the loan with regards to amount etc etc.

I have gathered as much info on that and that is now with HFC for further investigation.

 

But my main reason for posting is that I am having an issue with complaint one, where I have the Loan Agreement.

 

I have provided a copy of the Loan Agreement, but they are not happy with that, they want proof of the payments via my Bank Statements.

 

I'm struggling on that count as my old Bank (HSBC) can only go back as far as 2005, as they state they also delete their records after 6 years.

 

So complaint one as it stands has been upheld based on the fact that they have deleted the records of my loan and I can't prove the payments.

 

Any ideas on where I can go with this now?

 

Really struggling,

 

and annoyed as it's blatantly been mis-sold with the pre ticked box!

 

Is it right that they delete records after 6 years? What about Data Protection and the like?

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i would think if you never paid you'd have a ccj round your neck!!

 

silly beggars, just more crap to frustrate the punter and make them gives up.

 

IMHO i think you need to fire a shot across their bows.

 

write back giving them 14 days to move you complaint positively forward

else you'll escalate toward the FOS or Court

without further notice.

 

what about you old ra files [try noddle]

you'll be surprised what they hold

 

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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Ok I will definitely give that letter a go.

 

What is this ra files? I'm having a thick moment!

 

Cheers dx, really appreciate the advice and help.

 

Whats annoying me is I have proved the blatant mis-selling of PPI is the loan agreement, which surely should suffice!

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sri CRA file.

 

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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  • 10 months later...

Cant believe they wont take copy of credit agreement and want bank statements, I have the opposite problem in that I can provide payments made but that is not good enough. What a slippery company.

Have you any update

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