Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Help needed with HFC claim please

ukdarrenfan
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3466 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 183
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

davsib

davsib

Posted
Posted (edited)

Try emailing Roger Lovering CEO HFC Bank [email protected] you should get an email back within a few hours then a phone call a couple of days later I did . Worth a try just tell them your not happy with part of the offer

davsib

Edited by davsib

HFC go get them:-)

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted

Good idea davsib.

 

I think I will send a letter with my acceptance form giving them one last chance to make me an offer.

 

Theyve admitted that both loans contain PPI,

the only reason that they've not upheld them is because they say they have no proof that we didn't cancel the PPI or the amount that was paid.

 

Well they had no proof with any of the others either,

only that all the loans were in a chain and each one paid off the previous one.

 

If they haven't got any idea of the amounts that were paid they must have some idea and could make an offer still.

 

If they still refuse I'll send an email to the CEO.

 

It's worth a try before I involve the FOS.

 

I've got the time now that we'll have £18,000!

 

Beware Direct Auto Finance, it will be you next.....

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

you also need to point out they are the ONLY creditor

we on CAG have ever seen that MAKE punter prove they actually did pay it!

 

p'haps they shouldn't have shredded so much 'evidence' when the ppi scandal broke

 

just so they could bury their multi £M fleecing of 100,000's of customers in the 80's & 90's

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... 

Link to post
Share on other sites
davsib

davsib

Posted
Posted

If you post it, it will scanned and sent to their office in India, I was told this by the person who sorted mine out.

If you use the email it will be delt with in the UK.

HFC go get them:-)

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted
If you post it, it will scanned and sent to their office in India, I was told this by the person who sorted mine out.

If you use the email it will be delt with in the UK.

Really? Why on earth do they send it to India? Is that for all the claims, or just the ones that you are querying? I don't need to attach anything to the email do I, just reference the claim number and their comments on the offer letter?

Link to post
Share on other sites
davsib

davsib

Posted
Posted
Really? Why on earth do they send it to India? Is that for all the claims, or just the ones that you are querying? I don't need to attach anything to the email do I, just reference the claim number and their comments on the offer letter?

 

Because it's cheaper, I just quoted claim numbers ect and said I was sick of being messed around

HFC go get them:-)

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted
Because it's cheaper, I just quoted claim numbers ect and said I was sick of being messed around

Ok, I'll do that then. They messed me around so much with the SAR that they gave me my £10 back! They know that both those loans were paid off, because they were paid by other loans in the chain. Even for the other loans they said that they had no information other than what I sent them, but they didn't ask for statements for those! It will cost them enough for those to be referred to the FOS, so they might as well sort it.

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted

Got an email from the FOS this morning to say that they have received my complaint and they will be in touch shortly, when they have had a chance to look through the information we sent, to let us know what happens next. So now we wait.....

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted

Obviously the email was looked at as I received this today. It's laughable really, as they are only not upholding the last 2 loans as they say they do not have enough information to calculate a refund! What do you reckon the FOS can do? Can they make them make me an offer or are they going to string this out?

Link to post
Share on other sites
Andybars

Andybars

Posted
Posted (edited)

The wording of the letter seems more appropriate for a credit card account than a loan - however I have re-read the thread and they clearly are loan accounts. My view would be that HFC have had enough time and to get these in the queue for FOS with a request that HFC be made to make a reasonable offer based on assumptions.

 

My own view is that FOS will make them make some kind of offer as they have accepted that the PPI was mis-sold, the downside is that FOS appear to be trying to manage their backlog by prioritising easy PPI cases - they are quoting 12-18 months for a case and my own experience is that anything where there is an offer on a case (even if your complaint to them is about associated loans without an offer) gets put in the cupboard marked tricky - so you are looking towards the top end or beyond of that timescale.

 

Based upon the age of the account and the limited info - my own view is that you would struggle with the court route - although as always I need to make clear, there are far more experienced people on the site particularly on the legal side who will be able to better assist with that potential route

Edited by Andybars
Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted

No I don't have any old statements at all. The 2 loans are from 1995 and 1997. It's already in the hands of the FOS and I just e mailed this letter to them to go with the other documents in my case file. I don't know why they won't just go with the info that they have, it would save so much time, but they seem determined to dig their heels in.

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted (edited)

I'm trying to work out the first loan but I'm struggling. It's obviously not one that has upfront PPI on it and works more like a credit card.

 

They say in their letter that the payment is 3% of the balance and that the PPI is 0.6% of the balance.The loan was for £7528.30 and I am assuming a rate of 25.4%.

 

We signed it at the end of January 1995 so I'm not sure if the first payment would be in February or March.

 

The amount of £7338.21 was outstanding when we took out another loan that started in March 1996. How do I go about starting to work out what our payments were? Does the interest on this loan go up until today, or the end of the loan? Is the interest added onto the balance each month or at the beginning? I'm confused.

Edited by ukdarrenfan
Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

the current account plus worked like a credit card, int was monthly on the bal

outstanding at the end of each month.

though sometimes, like me, I paid affixed sum each month through choice.

 

ims21 has a thread on one as do I somewhere

daveib also has one.

 

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... 

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted

I can't imagine that we would have paid more than the minimum payment each month and I don't think we borrowed more on it or we wouldn't have taken out another loan after a year. I honestly don't understand how it worked. Will they be able to make an offer based on that information with no statements?

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

no HFC wont

 

the only bank that requires statements to prove what you paid

 

we are working on this very unfair stance

 

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... 

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

it would be nice if they did

 

I don't think the FOS has ruled infavour of any CAP HFC ones

 

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... 

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

same with me

 

FOS refused

 

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... 

Link to post
Share on other sites
ukdarrenfan

ukdarrenfan

Posted
  • Author
Posted
there is nowt to say the approach we have taken is not correct

we have used an avg of the known ppi payments for both the CAP ones.

 

what about your banks statements?

or did you pay [as I did & was told to at the branch only] by card and a little white record card?

 

I can se what hfc are getting at in post 143 and that recent letter

they don't know what you had outstanding month to month

 

BUT , if you refinanced for £XXXX then its a good bet the bal was the same throughout

mine was!!

 

dx

 

I think things are getting a little confused here. I don't have bank statements and my loans aren't stamped as paid in full. This is someone else posting in the thread and not me.

 

 

I already proved to HFC that my loans all paid off each other, so it's not proof of that that they want.Our loans would have been paid by direct debit, I certainly don't recall having to pay in the branch because it would have been really inconvenient as it wasn't close by.

 

 

I can't understand why we had a mix of normal loans with these 2 in the middle. HFC know the amount of the loan, the APR, the percentage of the loan which made up the payment, the percentage which made up the PPI and the amount that was refinanced after a year. They have more than enough information to make an educated guess at how much we paid.

 

Unfortunately they are now insisting on statements to prove the exact amount we paid each month for both of these loans and say that they will only pay out what we can prove we paid...because they know we can't prove it.

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

post moved to a new thread as tink does not have one

 

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... 

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted
http://www.consumeractiongroup.co.uk/forum/showthread.php?395478-Multiple-loans-with-HFC

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... 

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...