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Old HFC loan now SB by over a decade - can we claim for PPI ?


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Hello

My ex husband and I had a loan with the HFC years ago-approx. 18 years

It was for 5000.

 

We got behind with payments and def had PPI which actually we could ill afford and both working for NHS didn't need .

 

I think with interest rates , charges and PPI I remember working out once that the 5 year loan had limped into 8 or more years and we had paid back something like a couple of thousand more than the original loan and still owed a couple of thousand !

 

last payment was over ten years ago and weve heard nothing for most of this time until this year .

 

My husband has moved out as weve amicably separated and I received a letter which was from a DCA saying the debt had been assigned to them in 2013 and what were proposals to pay

- as weve definitely left this behind over 10 years ago I didn't think any action would be forth coming .

 

I did however take note that we now have an account number

-- the one thing that stopped me reclaiming ppi a few years ago .

 

With my ex`s blessing as its joint loan would it be worth me sending a CCA and starting a ppi claim or may I risk a bad print again on our CRA files ?

Thanks

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Yes of course you can reclaim

Send HFC an sar

 

As for the dca (totally powerless-they are not baillifs)

There is. Nothing they can do

The debt is statute barred

 

Same for it coming back on credit files

Defaulted more than 6 yrs ago

Gone from your file forever

 

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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OOh thank you .

Do you think SAR is always the first step ?

Could I just fill out the PPI online form supplied by the ombudsman ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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So you know how much you should get back?

I would never trust HFC as far as I could kick them

 

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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So you know how much you should get back?

I would never trust HFC as far as I could kick them

 

Dx

 

 

True!! I had many loans,( including at least one mortgage which had payment protection),

with this company going right back to when they were Midland Bank… all were paid in full.

 

 

I still have all the account numbers and have provided them to HSBC with the intention of claiming PPI.

 

 

They have refused to accept them, saying they no longer have the details, etc., etc...

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If you have the information and copies of documentation to prove it they should be able to use that.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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