Idem and HFC refinance loan CCA request response

[Pewpew]

Sent a CCA request and this was the response,

 

what do you recommend i do next?

 

They have said they didn't send me the notification letters

as they didn't have a confirmed address?

 

the address is the same as the one on the CCA

that they have sent these letters to?

HFC, CCA request response.pdf

[dx100uk]

Can you please put all the figures back

You only need to redact name address SIG and account numbers

 

Also 17Mb is huge!

 

Should be about half a meg for 5 pages

 

Dx

[Pewpew]

Updated

 

I don't know why they are so big i followed you guide to posting pictures

cca return.pdf

[dx100uk]

reduced it for you.

where are the pages of T&C's they should have sent too?

 

 

dx

[Pewpew]

there are none that is literally everything they sent (plus a scan of my passport)

[dx100uk]

how much do you owe

theres over £2500 of PPI to reclaim

it says its a refinance

so I bet you old loan had PPI too

that will be worh £1000's too.

 

and no doubt there are £100's of penalty fees HFC levied too.

I suspect they owe YOU

which is why they sold the debt on.

[Pewpew]

closing balance that they sent is just over £3,500.

 

i think it was for a over draft plus something else,

i really cant remember i think it was to consolidate a few debts plus some money for myself

 

do i send the PPI claim to HFC or to DCA?

 

 

What do i do about the DCA?

There are some T&C's on the PPI page

 

Just read some of the other posts, going to SAR HFC to look at reclaiming chargers and PPI,

 

 

I am going to ignore the DCA as they haven't completed the CCA request

(i read thats the best thing to do instead of telling them they failed to send the T&C's)

[dx100uk]

sar first before you do anything yet

 

 

the refinancing will only be for old HFC debts

it wouldn't be allowed if it was an outside bank debt

HFC didn't do accounts OD's

[Pewpew]

I have never banked with HFC or had any other debts/credit cards/loans with HFC, I do remember having a over draft with natwest, im 99.99% certain that what it is

[dx100uk]

Ah read it again

It says repaying

Not refinance

 

Urm..prob why they used their spoof beneficial name

On those forms

 

I suspect

If they paid that off 'for you'

They would have got a discount from NatWest!!

 

I would also suspect NatWest debt was inflated with penalties too

[Pewpew]

I am sending the sar request on off on Monday,

 

I have been looking for a template letter to send the DCA

because they have failed on the CCA request but can'take seem to find one,

 

can someone point in the right direction to one,

 

putting the account into dispute should save me time and effort in the future

[dx100uk]

no point in sending a CCA failure letter

they know the score

[Pewpew]

Well I was hoping if I threatened them with the with formal complaints to the FCA etc

they would make a "corporate decision" to write the debt off

 

Something along of the lines

 

Dear robbers

 

You have failed to fully comply with the CCA request

 

(Quote some of the acts and time limits)

 

I will be making formal complaints to the FCA etc blah blah

 

I look forward to hearing from you, you have 7 working days

 

Or is that not a good idea?

 

 

A family member of mine kept hammering them with letters like that

and they ended up writing the debt off (maybe he was just lucky?)

[dx100uk]

no not a good idea

did you get that SAR running

 

 

theres more PPI there than what you owe them.

but you need the statements.

 

 

dx

[Pewpew]

Going to send it off tomorrow