Hfc bank/ bank satements

[dammo]

HI ALL

Started a ppi claim with hfc bank for a loan taken out in july 97.

 

I have the loan and policies of insurance agreement which have both been stamp in top corner paid in full.

 

These have both been sent to hfc and got a letter back asking for these again, and bank statements or hfc account statements showing that the account had bene fit of ppi ,

but i have not got either of these.

 

help needed!!!

[dx100uk]

if you have the loan agreement is should mention PPI on there surely.

 

HFC being obstructive again.

 

dx

[dammo]

It does show full break down of loan and the optional credit e.g life,asu then a second agreement for ppi.

both agreement have paid in full stamp in top corner by hfc bank.

[dx100uk]

scan them up please

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

DO IT IN PAINT.EXE or any photo editing program

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[dammo]

Hi these are the two loan agreement both with same account number

Edited January 19, 2013 by dammo

[davsib]

Hi dammo, You need to change them to pdf file, just follow the instructions that dx has posted. It will make it easier for dx to read. I had the same problem with the pdf files . HFC go get them.

I tried to convert them for you but they don't come out very clear ( images to small) so you will need to scan them again, don't forget to chance the file name as it showing your surname.

I kept mine the same size as the original doc's hope this helps.

Davsib:-D

Edited January 19, 2013 by davsib

[dammo]

thanks will do

[dammo]

just got my son to do that bit for me, should be ok now

[dx100uk]

i'll look tomorrow

 

dx

[dammo]

Thank you dx100uk

[dx100uk]

thats strange why have they made you take out two ins with the loan

 

looks like Payment care with life ASU + EN

 

then again on the loan too

 

fleecing lot!

 

dx

[dammo]

Thats what i thought when i started to look into my loans with them, will I be able to claim back all the insurances that i was mis-sold at the time or just the ppi.

[dx100uk]

yes

 

dx

[davsib]

Hi You need to make a spreadsheet of charges on both of them.

You need StatIntSheet v101.xls

£37.29 x 60 and £8.10 x 60 just put all the every payment date in the left hand column then in Amount of Charge put in your payment

If you are struggling with it just let me know.

I can do the straight forward ones like your's, as like you I'm just learning and just want to help other

Davsib:-)

Edited January 20, 2013 by davsib

[dammo]

wow just used ststinsheet to work out refund and a big smile came on my face, if i did it right it came to £5,020.95. Would that be right Davsib,hope so.

Makes me more determined to keep going at them and pursue my other loans and cards.

[davsib]

[ATTACH]40859[/ATTACH]

[ATTACH]40860[/ATTACH]

 

I got £4557.11 for the £37.29 and £989.88 for £8.10 from 11/9/1997 sounds about right to me but I'm not an expert I'm claiming about the same from HFC. Might be a long road but should be worth it in the end

davsib:-)

Edited January 20, 2013 by davsib

[dx100uk]

attach your SOC lets check.

 

dx

[dammo]

Think i done it right.

[davsib]

No m8, you have done it wrong you, need to list every payment you made, have a look at post 16 I have done it for you, dx will when he finds time will check it

davsib

[dx100uk]

nope thought you'd done that

 

you must enter EVERY MONTHS PPI PAYMENT

 

individually on each row

 

dx

[dx100uk]

see daves SOC

 

dx

[dammo]

Sorry just had another look at Dave's again and i see what you mean, Construction workers and computers don't always work well together.

Thank Dave and DX your a big help, couldn't do it with out your help.

[davsib]

You need to read the link no 2 Reclaim mis-sold PPI on dx's post, complete the letter and fill in a ppi consumer questionnaire. I have attached, then put them all together and send it all off.

Remember to make copies of everything you send

Goodluck

davsib

[dammo]

Thanks Davsib

I already filled forms out, sent them back and had notice of receipt from hfc bank, and then the usually letter telling me they need this and that.

So re-sent the loan forms and just waiting for a final response which should be in the next 14 days before i look at what action to take next.

[dammo]

Hi had a letter back from hfc today {WITHOUT PREJUDICE SAVE AS TO COSTS}

 

They have come to a decision to uphold my complaint,which is great news but i cant make out where the refund figure has come from.

 

could some one have a look and tell me how as in early posts when i put the agreements up and we done the calculations

and the figure was a lot more than what HFC are offering.

 

I phoned them today to ask how the figure was reached but that was a waste of time as HFC was being as helpful as ever.

 

I have put the letter that was sent and the offer and the two loan agreements on this post. thanks DAMMO

Edited February 1, 2013 by dammo