Help needed with HFC claim please

[ukdarrenfan]

Well both loans have been with the FOS for a while now and

 

they are setting them up as 2 seperate claims.

 

Today, while sorting through an old cupboard for stuff for a boot sale,

 

we came across a box with old documents in.

Lo and behold we found the very first agreement for HFC that was paid off by loan 1 in our chain!

 

It was a loan through Zenith Windows.

 

Also found a smaller loan for First National Bank, so more work for me to do!

[dx100uk]

hey result!!

 

dx

[ukdarrenfan]

Would you believe it! A further rummage around produced a second loan for First National, again for Zenith. These were the 2 loans that were paid off by loan 3 of my HFC chain. I think I'm going to be kept busy filling in more PPI questionnaires tonight! That and the DAF court claim will keep me busy...

[ukdarrenfan]

Heard from the Ombudsman today. They've finally set my other 2 loans up as seperate claims but say we are looking at at least 18 months wait - longer if there's any complications, or if it needs an Ombudsman's decision. So all we can do now is sit back and wait. Haven't heard back from HFC about the Zenith loan yet.

[ukdarrenfan]

Received letter today from HFC or rather should I say HSBC who are now dealing with all complaints (still Bina Kaur though, so no change there).

 

They are asking for the agreement (already sent with my claim),

proof it was paid off (again, sent with my claim)

and proof of all PPI payments made as it was monthly PPI,

although it is quite easy for them to work out from the terms on the agreement.

 

It wasn't a revolving credit account, just a straightforward loan for windows. Why do they have to be so bloody obstructive?

 

They now say they aim to respond within 8 weeks,

though I know what the outcome will be if we can't provide the proof with all their statements.

It'll be back to the FOS and another 18 months to 2 years wait.

[dx100uk]

yes I've notice this with HFC several times now

 

they want the OP to PROVE they paid the PPI ,

obstruction isn't the word!!

 

and they've been fined before too!!

 

dx

[ukdarrenfan]

Well after a very long time with the FOS

 

 

I am pleased to say that they have finally made a decision on the other 2 loans in our favour!

 

 

They say that HFC will calculate what they owe us and it should take around 8 weeks before we should expect to hear from them.

 

 

I really wasn't expecting that result as we couldn't provide them with all the statements they insisted on

to prove we hadn't cancelled the PPI as it was added monthly rather than all upfront.

[dx100uk]

hey moving forward.

 

 

I'm currently battling K&Co on very historic ACP reclaiming

and I was speaking to my contact about this

when he said that HFC are being made to settle several old claims now

as their 'percentage' was lower than all the other banks.

and the FOS weren't happy about that.

 

 

that was august time.

[ukdarrenfan]

Something to work in my favour then! I didnt hold out much hope with those loans as you said they had rejected yours. It should be easy enough for them to work out what we paid, we didn't borrow extra or pay off anymore than we had to, they know what percentage of the loan the monthly payment was so it should be straightforward I hope. It won't come to much I doubt but every little helps!