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PPI on old debts/credit cards


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Hi everyone.

Need some help and information.

 

Quite a few yrs ago I had about 4 different credit cards and a loan while I was a student.

 

I fell into some difficulties while waiting to start my new job and was unable to pay on these debts. Short story I did not pay them off.

 

They defaulted on the accounts and put it on my credit record.

I did not communicate with them.

They did try to contact me but I did not respond.

As 6 years had passed got some help here to send them letters to stop harassing me.

 

It's been about 10yrs since the default and no contact from anyone.

My credit history has since cleared of these debt.

 

I want to find out if I can claim any PPI on these accounts or will it start my nightmare all over again.

 

Will I be acknowledging the debts if I claim PPI and get them coming after me again?

Edited by dx100uk
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Send them SARs – but do it on 25 May under the new GDPR regime. Once you have the information you need then come back here.

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No can't reset debts

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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nothing can reset a debt once its already statute barred

not even a judge..

 

but any reclaiming doesn't reset anything even if its not

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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  • 2 months later...

Am back.

Help needed please.

 

Am trying to send out SAR letters to the companies.

 

I am trying to find the address for Beneficial finance.

 

I have tried searching for it via the ICO website but getting nothing.

 

Can anyone help please.

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why its HFC

just use our search cag box in the top red toolbar for anything

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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Just be aware that they can offset any ppi towards money you owe.

All statute barring means is they cannot chase you for the money after 6 years, the debt still exists.

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THE OWNER can chase as long as they don't threaten court in E&W

until/unless you send our FCA CONC SB letter

then they must cease ..

 

that's if theres IS any debt ...we don't know...

 

HFC rarely offset

and very rarely now own any of their old portfolio under any of their many names

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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  • 1 month later...

I sent HSBC an SAR for my HFC loan and just received a response from them saying they do not have any information with regards to the loan or HFC credit card. They just sent me information on an account I had with HSBC itself. I sent the SAR to the 8 Canada water address. Any help on what I can do next please

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send it to HFC they still exist

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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po box should be ok

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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  • 4 weeks later...

Update.

 

Need help please.

Received my SAR from Barclays for the Barclaycard I had with them.

This card was opened in 04/2002 and yet they have supplied me with information from 08/04.

What can I do?

 

HSBC:

I sent SAR request to HSBC initially for accounts I had with HFC BANK to which they initially said they don't have record of.

I was adviced here to send an SAR to HFC itself which I did on the 21st of Aug.

I have received a letter from HSBC with a list of accounts from HFC with just account numbers, start date and if PPI was included. Do I wait and hope they send the SAR?

Any help appreciated

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we know BC hold data back to the 1990's ask them where the rest of the statements are.

 

as for HSBC/HFC yes await the return from HFC

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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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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