HFC loans with CCJ PPI reclaim

[knights templar]

Hi Folka,

 

HFC Bank ;

 

Defaulted on both loan due to unemployment.

 

HFc obtained a CCJ.

 

Payment in order since Court order.

 

Can I apply for refund of the PPI although there is a CCJ loan and how can I effectively do this.

 

 

Thanks for the quick response to my query;

 

I send an SAR but I am not quite what an SOC is .

 

can you help?

 

Brilliant response

 

knights templar

[knights templar]

Hi dx100uk,

 

Thanks dx100uk for your assistance and response,

 

sorry not to have mentioned you in my last response to your thread;

 

I was in a bit of a rush and just realised the mistake.

 

do you any chance have the address for HFC where I need to dispatch my SAR request

as I have lost all traces of their address and documentation.

 

I think the debt was sold to Debt collecting Agent called TBI.

 

Knights templar

[dx100uk]

soc is schedule of charges spreadsheet

 

see ims21's sig for a version

 

as for hfc address

have a look in the hfc forum stickis?

 

dx

[knights templar]

Hi Cags;

Received a letter today from HFC rejecting unlawful charges on grounds that charges were legit

because on groumds that payment was returned unpaid ; but was eventually paid and that charges were fair and reasonable.

 

They go on to quote OFT regulation2006 which they claim HFC did not accept

but then went on to say that for commercial reasons they accepted it ;

but that those chages did not affect charges that had already been applied.

 

Any comments on their reasons for rejection on my claim for default charges;

 

secondly HFC comment that my PPI application is being dealt with under separate cover.

 

Any comments?

[dx100uk]

usual rubbish

 

write back giving then 14 days before you start a complaint with the FOS

 

no co. will rollover on your first letter

 

esp HFC!

 

their charges ARE unlawful, they are a PENALTY.

 

dx

[knights templar]

Hi dx100uk, Thanks for yours; will contact HFC again to reconsider position on rejection and then will read them the ' riot act'.

 

knights templar:mad2:

[PPI Complaint]

Hi

 

If you have County Court Judgment have you tried making a claim for the claimed debt to be repaid via PPI

 

The DISPUTE Resolution Rules 2010 for PPI as documented by FSA provide the ability for a potential claim on the PPI and for the PPI to payout the Debt.

 

This would clear your debt and the CCJ

 

I would very much like to know anyone that has tried this in Court.

 

PPI was to help everyone to repay debts rather than end up with CCJ but so far Banks winning

[dx100uk]

it will be worth more to reclaim it

 

dx

[knights templar]

Hi CAG, just received an offer letter from FOS advising that HFC can only settle charges and interest applied to account the amount offered by HFC is simply unacceptable ; in the first place the HFC sold the debt to TBI whilst defaults payments were being made to HFC ; secondly ; I do not have details of the agreement with me ; and thirdly since I do not habve the relevant documentation ; I am not in position to calculate the amount of charges and provisional interest made on the default ; do I contact the FOS to express that this offer is unacceptable in setlement of the said amount ?

 

Knights Templer:mad2:

[knights templar]

Hi CAGs received a settle letter from Fos; settlement letter unaaceptable ; do have details of agreements and default figures to calculate ; do I contact FOS to say this settlement figure is unacceptable and therefore escalate for further settlement consideration?

 

Knights templar

[ims21]

Have you done your calculations?

 

Where do the differences lie between what you were expecting and what has been offered?

[knights templar]

Hi ims21,

Good question ims21; do not have any documetation on loan and thereforefore difficult to caculate the precise difference between expectation and settlement ; besides this settlement is been made under the understanding that HFC does not accept liability and considers its charges to be fair and lawful ; I believe a settlement figure of £66.00 is a bit misery and unfair and a bit suspect to me; what do you think ims21 ?.

 

knights templar:-x

[ims21]

Had you not done a SAR to HFC to get the data to put in a claim?

 

Without the base data how do we know whether their offer is right or wrong.

 

The wording of "without liability" and "gesture of goodwill" are standard.

[knights templar]

Hi ims21,

Good point ; will write to FOS ; that offer of settlement is unaccetaple on this occasion and that a further review of data from the HFC under SRA be made and recalculated to show the actual a settlement figure ;in the meantime I will write straight to HFC to provide me with all data under SRA request ASAP; what do you think ims21?

 

knights templar:-x

[ims21]

Yes and ask them for a detailed breakdown of how their offer is made up

[dx100uk]

you were told to SAR them in sept 2011!

 

dx

[knights templar]

Hi ims21 and dx100uk; Sorry for the omission your points taken; should have gone to' spec savers' will send an SAR notification to HFC Bank right way . Thanks Knights templar

[knights templar]

Hi ims21 ;

Received response from HFC Bank after sending SAR request ;

they require an identity specification like a driving lience or a passport;

frankly I do not drive and do not wish to send them my passport ;

 

I wish to write back and tell tham that ;

that my correspondence with them should form the basis of an identification profile;

also the FOS wishes that I accept HFC offer ;

but they sent a poor illegible breakdown with the excuse that they FOS ;

cannot investigate anything more than 6 years;

 

Is this ifo correct ?

 

Knights templar

[ims21]

Hi

 

You can send a utility bill...continued failure to comply should be reported to the ICO.

 

You need to demand a legible breakdown and no it is not correct that fos won't look at anything beyond six years.

[knights templar]

HI ims21; Great response will do as you say and will write to the fos to tell them about the misinformation about the 6 years time limitation; Thanks

[knights templar]

Hi; ims21

Sorry for the confusion ;

indeed this is all very confusing but it is not; two aspects to

this thread one for HFC Bank and one Nat. West. Bank ;

 

Nat West Bank made an offer of £2000.00 said they would offset this against loan repayment after my default ;

wrote to them that this was unacceptable no response yet;

sent SRA to seek basis of calculation ;

response received today that they cannot trace loan agreement and that other documenttion would despatched to me in due course.

 

Claim 2 ; aganist HFC; HFC refused to accept claim ;

therefore complained to ombudsman

;they made an offer of £65.00 through Ombudsman but again offer on condition that to be offset against default loan repayment ;

later SRA HFC ;

no response ;

ombudsman looking into matter as there is basis for calculation of £65.00.

 

You are therefore correct both Banks have not provided any basis for their calculations merely an offer which I am tempted to say this cannot br right ; I am therefore the basis of their offer challenge after you have made your comments.

 

knights templar

[dx100uk]

I think you need to split this natwest stuff out to another thread

 

dx

[dx100uk]

this is your HFC PPI thread now

 

dx