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Hfc bank/ bank satements


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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!!!

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

 

HFC being obstructive again.

 

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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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

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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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 by davsib

HFC go get them:-)

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i'll look tomorrow

 

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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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

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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yes

 

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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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 by davsib

HFC go get them:-)

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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.

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[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 by davsib

HFC go get them:-)

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attach your SOC lets check.

 

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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nope thought you'd done that

 

you must enter EVERY MONTHS PPI PAYMENT

 

individually on each row

 

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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see daves SOC

 

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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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.

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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

HFC go get them:-)

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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.

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  • 2 weeks later...

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 by dammo
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