TBI Claimform - Old HFC Loan

[gust]

Ok i willl post a pic of the PPi - as you can see there is ASU and decreasing term life assurance stuff - is this BOTH PPi related stuff?

 

[ims21]

All the insurances can be claimed back of they were mis-sold

[gust]

thanks

 

so what figure should i be using off this scan? its very confusing

 

 

cheers!!

 

1934.40?

[ims21]

You need to enter the payments of £32.24 you made into the spreadsheet.

 

That will then work out the 8% interest you are due back on top.

 

As there is an amount with a DCA there will need to be an adjustment to the account or remove the as yet unpaid part of the PPI

[gust]

thanks - the spreadsheet keeps changing the "claim from" cell to 3860000% when i put the agreement date in? am i doing something wrong?

 

the award calc says

monthly payment of PPi £32.34

8% simple interest £17.87

Total £50.21

 

so would i have to times this by each month for the claim? thanks

[ims21]

Date format should be dd/mm/yyyy....check your date formatting first in the spreadsheet and then in windows.

 

If not, try putting an apostrophe at the beginning of the date string to force it to become text.

 

You enter in a list each payment of £32.34 you have actually made.

[gust]

thanks so you just claim each £32.34 by how many payments? Or does this add onto something else?

 

thanks for your help

 

I have no idea how many times i have paid this though - would i need to SAR HFC to obtain this info? thanks

[dx100uk]

sadly yes that would be better.

 

unless you have all your bank statements you could look through?

 

dx

[gust]

i am in luck - i SAR'd abbey and it appears the HFC loan is on these statements

 

i will rummage through this and find how many payments i made before it went to DCA

 

ta

[gust]

I have also a card from HFC which i need to check the PPi conditions on (this ones with a DCA too) and also... I have another alleged card with HFC which doesnt correspond to any thing i recognise.

 

So If i sent a SAR to HFC, would one £10 fee cover loan and the 2 supposed cards? or would i have t0 SAR 3 times

 

 

thanks

[ims21]

One SAR will cover all accounts

[gust]

thanks

 

Is it best to put the claim to HFC or through FOS? i have seen forms on the FOS site - would you recommend these? or is there a better way?

 

 

thanks

[ims21]

You always start a PPI claim with the lender....you can't go straight to fos without approaching the lender first and getting their final decision

[gust]

thanks

 

i have just realised that the card and loan was with beneficial finance and they cease to trade. I know HFC was linked to them but will they be able to produce SAR details for beneficial stuff aswell as HFC?

[ims21]

Yes

 

HFC and beneficial are both the same company.

[dx100uk]

HFC used the 'buying' and latterly the collapse of benny bank as an excuse for 100,000's of customers

agreements and statements to go missing just before the PPI scandal broke..........

 

 

dx

[gust]

could that mean they could palm me off?

[dx100uk]

as IMS will confirm

 

there are those that have been lucky [grrrrr!!]

 

and got data back to the 90's!!

 

dx

[gust]

ok SAR ready to send to HFC

 

only address i can find is this one off their site

 

HFC Bank

Camden House West

The Parade

Birmingham

B1 3PY

 

Will it be ok to send here or does anyone know if the "data controller" or SAR team are situated elsewhere?

 

many thanks

[ims21]

That's the right one....address it to "The Data Controller"

[dx100uk]

data controller

there will be ok

 

dx

[ims21]

Whoops

 

Snap

[gust]

SAR sent - now i must wait... thanks guys

[gust]

Thanks mate. This default has now dropped off and it feels good to have a clean slate with experian. Still have defaults with equifax and call credit though. Seems experian are used the most so will do my homework before applying for anything to ensure check is done with just experian. So default has to be applied before 6 months of problem... So can any be challenged if they have taken too long and passed 6 months? Ta

[cerberusalert]

See Para 11.

ICO Filing Defaults - version_v3 doc.pdf