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HFC PPI Help Please

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Hi

could i have help on this one with HFC way back in 1997 my husbabd took a loan with ppi , after a year my husband had problems to pay it , made a mistake on going through a debt mangementt co to help but distereous so the loan went through their solicors and ccj ,but the loan has been bumped on to a debt company and paying set amount snice , no other correspdence from HFC since then, until now as I irequest a ppi refud which i found paerwork and they admitted mis selling. The leter from HFC say will not pay direct ppi back to DH because he breach the agreement with them going into arrears those years ago ! what is the situation with HFC i know thay were scruplious and we were niave with this thr is a balalnce still outstanding on the debt but good amount ppi to come back .

simple good advice would be appreciated

thanks

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Hi

 

I've created a new thread for you and moved you to the PPI forum.

 

So HFC got a CCJ on this debt.

 

You say this has been bumped onto a debt company....which one? Is it a DCA or a debt management company?

 

If HFC still own the debt then they can set off the PPI refund against the account. If they sold the debt then they can't.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Just had a letter from DCA owed by Robinsonway they are now owned by HOIST group ? as i said no corresspondence from HFC until my request of a refund so im in limbo for PPI refund as they wont pay although they admit mis selling ..................

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Check your credit file to see who actually owns this debt.

 

Noddle is free

 

https://www.noddle.co.uk/

 

How this PPI refund will be dealt with depends on who owns the debt.

 

As I have said, if HFC still own it then they can set the refund against the balance owing on the account.

 

If another company owns the debt then they cannot.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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