HFC household bank ppi reclaim

[dx100uk]

its a new tactic by them

 

and the FOS/FSA dont actually state that you must provide such evidence

 

as you've time on your hands

 

i'd write back and ask them where in the FOS or FSA ruling or guidelines for PPI reclaims does it state that the claimant must provide

proof the debt was paid off?

 

lets see what they say.

 

it a stalling tactic for sure & one i think is rather OTT

as i know they are using it to buff off claimants that are trying to reclaim.

 

pers i dont think they have a leg to stand on

 

it would be interesting what the FOS saysabout this too.

worth a quick phonecall too?

 

no other bank has that i have ever seen asked for this other than HFC

 

dx

[doughboy1]

hi DX,

just got off the phone with the FOS.

they advised me that i should provide as much information as i can and am asked for.

However the onus for supplying records is generally with the business.

If i am unable to provide the info and the claim is rejected on this basis and i were to complain to the fos then they

may view this as an unfair reason.

So essentially i should give them whatever they ask for (if i can ) and see what hfc come back with.

Looks like i'll be going through old records this weekend.

 

Thanks for the quick reply on this.

[dx100uk]

it really annoys me that HFC made £1M's out of fleecing 100'000's of customers

out of compulsory PPI and insurances

 

yet the FOS time and time again

let them GET AWAY with blue murder!!

 

dx

[doughboy1]

the person i spoke to at fos did give an inadvertant sigh when i said it was hfc.

i imagine that they are getting sick of hearing about them.

[dx100uk]

they are VERY VERY fed up with them.

 

they were told and FINED £1.8M a few years back for nis-selling

 

they need to be FINED again for CONTINUALLY frastrating & being OBSTRUCTIVE to claimants of PPI mis-sale.

 

dx

[doughboy1]

Wow,

just got a letter from HFC that they are upholding the complaint and repaying the full amount that i claimed for.

 

This is the claim from a loan from 2002.

 

As it turned out, I couldn't find any statements with what they wanted on it so i guess it wasn't that important.

 

Partner has said that there is a donation on the way as soon as the payment is in her account

and would like to thank everyone, and especially DX100UK, for their invaluable help and advice.

 

Got fingers crossed now that it will be this simple for all the other reclaims.

 

Many thanks to all.

[dx100uk]

so what you calc'd they have coughed?

 

dx

[dx100uk]

it would be useful

as things are going on behind the scenes with HFC

 

for the letters to be scanned up

and the calcs if they give them

 

dx

[big fish]

Can you not enlighten us a little more with whats going on at HFC Dx?

 

BF

[doughboy1]

good evening DX,

 

they're basically giving back all payments that were made along with 8% interest on each payment.

the total amount is about £10 shy of the figure which the statins spreadsheet gave us.

Is what is happening behind the scenes likely to negatively or positively impact future hfc claims?

got to admit you've got me intrigued now.

[dx100uk]

positive

 

did they include the rollover?

 

dx

[doughboy1]

no rollover on this one. it was a relatively small standalone one

have added it in though, on other claim where appropriate.

[dx100uk]

Can you not enlighten us a little more with whats going on at HFC Dx?

 

BF

 

no what in an open forum!

 

dx

[dx100uk]

no rollover on this one. it was a relatively small standalone one

have added it in though, on other claim where appropriate.

 

have they given a calc please

 

dx

[the tinkerman]

Well if whats going on at HFC is true then why such secrecy dx

 

I thought that was the idea of these forums to exploit these companies for what they really are, surely they cannot sue you if what you know is correct and in the public interest:???:

[dx100uk]

sorry what is going on at HFC for it to be true...>> what to be true...

 

someones not listening properly

 

would like to see the redress calculation sheet from HFC.

 

dx

[the tinkerman]

My apologies dx:oops:

[davsib]

Any chance of seeing the redress calculation sheet from HFC please.

 

It will help other including me, we are not being nosey just want to know how they are doing it.

 

I'm waiting for my offer from HFC and I will post my results on here.

 

davsib:-D