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ElizabethAnne

£6k HFC Loan from 2005 - still owe restons +£5k - help

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hi, first post so please bear with me.

 

I asked Restons for a CCA a few years ago and sent £1 postal order. They returned it saying that I had to request this from HFC. I did nothing about this, but recently sent another CCA request to Restons.

 

They replied saying " our client is not obliged to provide the requested documentation without the appropriate application and fees made payable to our client"

 

They then go on to say it refers to an HFC loan taken out in or around 2016 and was referred to Restons in 2008. Is the 2016 a typo error?

 

They have enclosed a questionnaire with a threat of legal proceedings if not returned by June 27th.

 

Questions

Which is the correct form to send?

What is the fee

Do I send it to Restons or HFC

Do i continue to pay them?

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I am paying Restons, last payment was May 2016 so I am due to pay June about now.

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CCA request for sure to rectums.

or whomever they say it their 'client'? who is?

when did you take the loan out and for what?

bet theres PPI & penalty charges to reclaim

 

 

have you all the statements

if not SAR HFC too

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Took loan out in 2006, I really cannot remember what for, got myself in a bit of a muddle, and had a tough time. No statements at all.

 

I will send the CCA request from this forum, as it differs from the one I sent a couple of weeks ago.

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2006!

 

and restons have it

99% bogus

how much is outstanding and why did you start paying prestons

got caught out by a silly threat-o-gram?

 

tell us the history that you remember of the debt

and is it on your credit file?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just over £5,000 outstanding,

Yes i think I got caught out by the "you have to pay or else" and just carried on doing it .

 

I wrote re CCA in 2012 but they returned by £1 PO saying that they were not the creditors but a firm of solicitors.

 

i just carried on paying, always meaning to do something about it.

 

Last time I checked it wasnt on my credit file.

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Fleeced blind


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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So should I send the CCA request as per the one on this site, with £1 PO?

 

And should I carry on paying?

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post 4


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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when is your next payment due?


IMO

:-):rant:

 

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up to you

could either

'delay' any payment until a cca response. you'll prob only just get a reminder/collection letter in the mean.

or pay mondays


IMO

:-):rant:

 

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yes until they fail the CCA request.

 

 

can you answer post 4 please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi I replied to post 4 in post 7, Sorry I am still getting the hang of how this all works.

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who are restons clients please

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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really

so the debt is still owed by HFC

that's rare for them to farm it out to rectums

without selling it.

 

well why are you paying rectums then?

ignore them Pay HFC directly.

 

so CCA request goes to HFC

sar goes to HFC

 

have you been getting statements?

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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yes statements come from HSBC

 

It says on the statements that my account is currently being collected by Restons

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but you not got statements from day one

nor the agreement

nor how much you originally took out?

 

 

was the the only HFC loan too or were there others?

something not sitting right here

its very rare for HFC to still have a debt this old on there books

esp when it must have been defaulted years ago

and since dropped off your CRAfile...

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi

this was the only HFC loan.

 

I have found a statement for 2008 to 2009 and then most of them up to 2015.

 

Says you borrowed £5987 in April 2005 - personal loan

 

I cannot find the agreement.

 

Found a letter dated June 2013 which says it has been transferred from HFC Bank to HSBC bank,

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something smells bigtime here.

 

 

how the beep can you owe +£5000

when you only borrowed £5987 in 2006...

 

 

urm that sar is going to be interesting...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have only been paying £5 a month. Can you just confirm who I send the SAR and CCA to please? Is it Restons, HFC or HSBC?

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post 19

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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