ppi claim 1998 - HFC Credit CArd

[juliesearle]

cannot believe i found and kept an old credit agreement from hfc bank.

.and noticed a printed x on the ppi part

...very tiny x at that..

 

..at the time i was employed full time and payed into a general sickness and benefit scheme.

..weekly.

 

.so cannot believe i was paying extra with hfc when i didnt need it.

 

..so i sent off a copy of the agreement 2 weeks ago with standard letter wanting this ppi back..

 

.they sent me fos questionnaire to fill in.

 

.i sent back recorded delivery with copy of id as i was living elsewhere at time.

 

..so now just waiting...xxx

 

i paid this off years ago

 

..and no longer on cra file.

 

..would they want anything else...

[juliesearle]

forgot to say.

 

.i worked out what is owed by using the spread sheet.

..this was for tempo..

.a personal computer system.

 

..xxx on the credit agreement.

 

.it was 31.62 per month over 48 months.

 

...ppi came to total monthly payment of 35.10

 

..so paying extra 3.48 per month at a rate of 29.5% just for ppi.

 

..will keep you updated...

[dx100uk]

all HFC agreement typically told you what the PPI PCM was

 

you should be ok

 

i've had 1995 a/c's reclaimed out of them

i think IMS21 went back further

 

they are currently pulling the dodge that they want you to prove you paid the loan off before coughing

 

lets see.

 

dx

[davsib]

I've had an offer from HFC after they originally rejected my claim from 1988 They only offered me half what I think I'm entitled too. Just rejected their offer waiting for a reply.

davsib

[juliesearle]

they received my fos questionnaire ..id and cover letter and copy of agreement on 22.01.2013...does anyone know the time limit on getting back a response please...

[dx100uk]

they have 8 weeks

 

dx

[juliesearle]

hi..

well i rang hfc last week re my ppi claim..

and was told the offer letter was sent to me as they upheld my complaint.

 

.it was sent to the address where i originally had the loan.

.even though they were sent copies of my id for my new address .

.and sent me letters at my new address.

 

i was then told they would send another letter out.

.this was on the 4/03..

.they told me the offer was for 115.00.

 

.i cannot find my spreadsheets..

 

so could someone check this is right.

 

..the ppi was for just 3.48 per month with interest at 29.5% over 48 months.

 

.this was for a computer i had with tempo back in 1998..

 

.any help please

[dx100uk]

so it will be the 3.48 PCM use the statint sheet

[ims21]

If you have lost your spreadsheets it looks like you need to do them again to check the amount is correct.

 

Did you not save them to your computer?

[juliesearle]

yes i did..but my nephew had clean up..and removed them...idiot...xxx so i put in the 3.48 per month...x 48....the interest at the time was 29.5%....and then add the 8% if im corrrect...

[dx100uk]

no 8% on a credit card

 

use the CISHEET

 

sorry i told you the wrong one above.

 

enter EVERY month on a new row

[juliesearle]

well successfully claimied back my ppi..offer acceptance letter sent recorded delivery 18th April....now just waiting for money to go in account....thankyou for your help....now just waiting for welcom finance...they upheld my complaint and now waiting for offer letter from them.... happy days..

[juliesearle]

can someone guide me as what to do.

 

.i have been told now im not getting the refund.

as it is being offset against the account.

 

..this was settled over 9 years ago.

 

.and have never been chased for any payments.

 

.nothing on my credit report..

 

.they sent me offer letter and form to fill in with my bank details so they can refund..

 

..now saying a letter has gone out to me stating they now are not paying me as i owe..

 

.well this is news to me.

 

..i have nothing now to show i paid it..

 

.not after 9 years.

 

..lol..

 

..any ideas what i can do....

[dx100uk]

write them asking for the details of the account they wish to off st against

as you have had no dealings with HFC for more than 9yrs

 

so any alleged outstanding balance will be well statute barred

 

dx

[dazza12]

Did you originally SAR them - I note you already had the credit agreement so probably didn't need to.

 

It may be worth looking into doing a SAR, this should have a record of any collection activity that they've done. It's very possible that they've mixed you up with someone else, it's been done a few times. Sometimes when they did their rollover loans they didn't settle the old loan correctly, or credited someone else's account instead of yours.