1987 HFC Bank loan account PPI - HSBC says NO RECORDS NOW

[dx100uk]

yes they had the same rag where I was 

yea old loan account plus..

 

even had 3 branches, I hfc, I beneficial and a new HFC 'store' on the top floor of the brand new shopping centre

that's were I got sc@mmed out of compulsory PPI by XXXXX after she saw me pushing kids around [that werent mine]  and said I must have PPI to protect them.

always paid by cheque..always bounced on them on purpose!! but I got more out of them than I lost so there we go.

 

when I found 1 number , they then found all the others. bingo +£7k over numerous accounts.

 

I seem to recall here somewhere that they had a sep system that only listed simply account numbers and that still existed

someone else found that out too.

 

but as 99.9% of HFC data hit the shredders in 1993 across the country not surprised yours cant be found.

[rosequeen]

Can you remember an approximate start and end date of the loan and how much it was each month?

[dx100uk]

FYI:

PLP's a/c's were a fixed amount each month

that gave you 10Xmaximum as your OD limit.

 

if you paid more you got more 

mine was £30PCM so £3k limit but actually was a lot lower because of the PPI and monthly fee they charged.

got all the details on PLP's around on the server 

[Mistermind]

My revolving credit account had a limit around £2000.  Interest accrued only when I drew debits out, when I paid what I chose, not necessarily once a mouth.

 

Around 1982-3 I opened such an account in HFC Bournemouth office, then around 1985-8 I opened account in HFC Brighton.

 

Barclaycard has been very honest and honourable, paying me huge amounts of PPI refund without quibbling when I had zero records.  Not so HSBC.

[dx100uk]

well they wont - nature of the beast.

they took huge gamble taking in the HFC group portfolio and they suffered very badly but they had to do it [insider trading - their favourite trick]

but they made £100M's out of Hamilton life where all the PPI went too [run by ex HFC guys at the time ...geddit yet..]

 

in 1992/3 HFC were tipped off about the impending PPI scandal and employed shredder trucks across the nation to destroy everything they could from the big branches like brighton where everything local went too..i believe there was one in Harlow I think too amongst other places

the trucks parked up in the local NCP carparks for days on end whilst  the stuff was transported to them.

 

for want of nothing more than annoying people

here are what you agreements looked like 

 

£5k agreement pers loan plus £773.59+ T+C .pdf £7100 agreement Pers loan plus £7100 T+C.pdf example of pers loan + Ac statement.pdf

[rosequeen]

8 hours ago, Mistermind said:

My revolving credit account had a limit around £2000.  Interest accrued only when I drew debits out, when I paid what I chose, not necessarily once a mouth.

 

Around 1982-3 I opened such an account in HFC Bournemouth office, then around 1985-8 I opened account in HFC Brighton.

 

Barclaycard has been very honest and honourable, paying me huge amounts of PPI refund without quibbling when I had zero records.  Not so HSBC.

 

Can I ask when your Barclaycard was opened? Did they send you a copy of the credit agreement?

[Mistermind]

My Barclaycards must have been opened in the 80's if not 70's, and for sure a copy of Credit Agreement was sent to me. 

No doubt HFC account opening would have been sent to me. 

 

Alas over the years each time I moved house and moved county to work as an itinerant contract computer programmer, every possible ounce and gram was ditched, even adorable girlfriends had to be ditched, let alone seemingly obsolete paperwork.

 

Rose Queen, it looks like in the words of the Venerable Donald Trump ...

[rosequeen]

Hi Mistermind

 

Not just you, thousands of us

 

  However, if I hear of anything in the future that might help you, me and others I'll put it on this forum, so keep checking. 

 

One thing, did you actually put a PPI complaint in? 

If not, then I'd advise you do so, because it needs to be in before the August deadline, even if it doesn't make any progress. 

 

If, eventually you do find some evidence and submit a complaint after the 29th, the bank might reject it on grounds of being too late.

 

Could I ask a favour?

Would it be possible to send an image of your Barclaycard application or credit agreement with your personal details obscured?   

 

Do you have a copy of the PPI policy document with the name and address of the underwriter? 

Thanks, Rosequeen

[Mistermind]

Thanks Rose Queen,

 

A good idea. I shall make an official PPI complaint to HFC/HSBC ahead of August 19 to put down a place-marker -- ahead of the happy event of myself miraculously recalling during seance session or deep hypnosis, one HFC account number from 35 years ago so carelessly forgotten.

 

I am afraid my Barclaycard bumpf along with all other bumpf was confined to the waste-basket, as at the time I had no inkling of the significance of Barclays Bank being a separate entity from insurers who underwrote PPI.   I only started PPI reclaims this past January, when I rang up the Barclaycard telephone number for PPI as found from Googling.  Within 10 minutes the telephonist using my name, DOB and former address, found that I did incur £900 PPI years ago.  But to pursue PPI in my older card accounts I was given a separate address.  I would characterize this lady telephonist and helpful and kind in tone, as if she wanted victims to achieve redress.  Via Barclaycard I had Liberty Loans and Monument Loan. 

 

Altogether I received 3 painless refunds straight into my Barclays bank account, totalling £9,000 despite my never having an inkling an iota of my account numbers.  If you  would like B/card addresses and names I dealt with, please let me know.

 

Happy days.

[rosequeen]

Thanks Mistermind for responding.  I was hoping you might have sent a SAR to Barclaycard and they managed to locate your credit agreement and PPI policy, so I could find out the name and address of the underwriter. 

 

If you pursued your complaint over the phone to them, I'm guessing your B/card was still running after 1997 because they can find PPI records back to then but not for B/cards that closed before 1996 like mine. 

 

I do have the account number but they said its too old to locate.

 

[Mistermind]

Hi Rose Queen,

 

Following my firsthand favourable outcome I do urge you to persist. 

 

When I first started, on Google there was one unambiguous hyperlink where Barclaycard offered callers an initial confirmation whether any PPI was charged in the first place. Once this was confirmed, the lady telephonist was at pains to explain her computer screen did not show my other older cards, but that there was a separate office dealing with the latter.  I cannot remember whether she instigated the additional referral, or whether I wrote separately to the address she provided (probably both).  I wrote everything down on the back of an envelope and persisted.

 

Lo and behold, refund from my less ancient card came pronto, whereas from my older cards less pronto but within reasonable time.     The 2 different addresses who wrote back to me with dosh were:

 

Barclaycard Customer Relations Dept, P O Box 9131,  51 Saffron Road, Leicester LE18 9DL

Barclays Retail Banaking Customer Relations, Leicester LE87 288 

 

I had Barclaycard in all variations from the 80's, possibly from the 70's, but all finished with full settlement and presumably were closed and inactive.  More recently in 2014 I came back from Ireland and in November 2014 opened a new Barclays Bank current account.  In maybe 2016 I applied and got a new Barclaycard.  Possibly because of my history and fresh re-association, possibly my decades-old Barclays data got reassembled together in the jungle of Barclays Group IT databases.

 

Rose Queen, do please persist with Barclays.  in view of my RESULT and the general tone of cooperation I received, any refusal you received was likely due to muddle rather than conspiracy.  If you spoke to the wrong bureaucrat you may get a wrong answer.  Do ask if you need me.

 

Good luck !

 

May Your Majesty

be rewarded with smiles and roses !   

 

 

Payment Protection Insurance | Barclays

https://www.barclays.co.uk/important-information/ppi/

1. Payment Protection Insurance FAQs | Barclaycard

 

https://www.barclaycard.co.uk/personal/ppi-faqs

1. What is PPI? | Barclaycard

 

https://www.barclaycard.co.uk/personal/ppi

Payment Protection Insurance (PPI) is designed to repay loans, mortgages, ... The easiest way to raise a PPI complaint is by using our online claim form. Payment Protection Insurance (PPI) | Barclaycard

 

https://www.barclaycard.co.uk/personal/ppihelp

1. How do I Check if I have PPI? | Customer Services | Barclaycard Help

 

https://help.barclaycard.co.uk/brochure/customer_services/Check_PPI

How do I make a new PPI complaint? | Customer Services ...

 

https://help.barclaycard.co.uk/brochure/customer_services/making-a-claim

1. General Information · Complaints · PPI Complaints · Fraud & Security · Other Barclaycard Information · Paying Your Bill · Spending & Transactions · Statements.

[rosequeen]

Thanks again Mistermind but could you be more specific?  When did you close your older Barclaycards, was it before 1996?

 

I did write to those same addresses and got nowhere.  They both replied saying they cannot locate any details.  I have been trying to find proof for the past five years that the card existed and had ppi on it. All I’ve got is the account number.

[Mistermind]

11 hours ago, Mistermind said:

 

 

Hi Rosequeen, I really cannot remember going through any formal procedure of "closing a credit card". 

 

If I had zero balance and no further use for such expensive financing then I simply spent no further transactions on said card.  More likely I would have maxed out said card, then paid off the balance in instalments thus making card management jealous about safeguarding my card history.  If you have no card statements, do you by any chance of any Default Notice issued against same ?  Any trail of credit history about you on Experian before 1996?

 

If you really would like to try ONE LAST RESORT, I can issue a SAR against my Barclaycards (previously I only typed a letter complaining about PPI, relying on Barclaycard to be honest and diligent).  SAR compliance output would be doubtful to arrive before August 19.  If any sign of insurer or PPI is shown by my SAR  I can happily share info with you in private.    

[Mistermind]

Alternatively the Barclaycard PPI forums would like show postings where underwriter and PPI details were in hand of forum user.  Let me know if you want me to try SAR. 

[rosequeen]

Hi Mistermind

Thats a massively generous offer and would really help if you did a SAR against your older Barclaycard, the one from the 1980’s.  

 

 Can you ask them for the application/credit agreement and PPI policy document?  Like you mentioned there’ s just enough time before the deadline.  Send me a PM when you receive a response, or photo images with your personal details obscured.  

 

Thank you so much.  You’re a hero!

[Mistermind]

Rosequqeen, I sent you message -- I think.

[rosequeen]

Hi Mistermind

 

Yes thanks I've seen it, but I didn't know that facility was available on CAG, clever.

 

 Anyway SAR looks OK, are you going to put the account number in before you send it, to help them process it quicker?

[Mistermind]

Rosequeen, messaged you.

[Mistermind]

On 30/06/2019 at 02:09, dx100uk said:

well they wont - nature of the beast.

they took huge gamble taking in the HFC group portfolio and they suffered very badly but they had to do it [insider trading - their favourite trick]

but they made £100M's out of Hamilton life where all the PPI went too [run by ex HFC guys at the time ...geddit yet..]

 

in 1992/3 HFC were tipped off about the impending PPI scandal and employed shredder trucks across the nation to destroy everything they could from the big branches like brighton where everything local went too..i believe there was one in Harlow I think too amongst other places

the trucks parked up in the local NCP carparks for days on end whilst  the stuff was transported to them.

 

for want of nothing more than annoying people

here are what you agreements looked like 

 

£5k agreement pers loan plus £773.59+ T+C .pdf 1.75 MB · 0 downloads £7100 agreement Pers loan plus £7100 T+C.pdf 1.06 MB · 2 downloads example of pers loan + Ac statement.pdf 370.61 kB · 1 download

 

Thanks for the informative docs on HFC thread.  I rang "Hamilton Insurance" today on 0203-5951111, but they said they are an insurance underwriter who never sold PPI.  Do you have an address for Hamilton Life please?  As HSBC/HFC swears they cannot find my account from 1987 without account number I have reached the end of the line re PPI reclaim.  

 

As a last resort I was hoping Hamilton Life would be decent enough to give me my HFC account number or Hamilton PPI account number.  By not requesting full SAR from Hamilton (which many installations ignore), I hope to get a key with which to disarm HSBC's  "if no account number, no PPI claim" tactic. 

 

Thanks for your time.

[rosequeen]

I'll see if I can find anything about Hamilton Life but have you got the SAR back from Barclaycard yet, as 30 days have expired?

[dx100uk]

posted this long ago here

they are now owned by aviva who seem to be quite good with old stuff involving HL.

 

not sure where it was but there was a case reported about a house repo or something a while back.

it transpired the mortgage was underwritten by HL with MPPI or something via a broker.

 

when it happened [long ago] HL said touch luck it was a depreciating policy you only get £7k.

how I don't know but recently aviva got ahold of the story and paid the full £63k out.

 

worth a try.

 

dx

 

[Mistermind]

1 hour ago, rosequeen said:

I'll see if I can find anything about Hamilton Life but have you got the SAR back from Barclaycard yet, as 30 days have expired?

Regrettably no SAR reply or even acknowledgment yet from Barclaycard -- not the first installation to blank my SAR request.  If or when Barclaycard replies you will be the first to know.

 

Thanks DX100UK.  I SAR'ed Aviva months ago.  They said they have never heard of me.

 

I must have dreamt everything, I never had no HFC loan including no PPI.  The sky is not blue, the sea is not green, the Earth is not round and the Globe is not warming.

 

[rosequeen]

I know exactly what you mean.  I must have dreamt about my Barclaycard too.  Maybe your loan and my credit card existed in a parallel universe !  The one the Terminator came from.

 

If however, you haven't received the SAR by next Friday can you chase it up?

 

DX is correct Aviva took over Hamilton Life

[Mistermind]

Yes I will chase it up. 

 

I have the original SAR request text for re-send and SAR response is my entitlement by law.  By the letter of the law, by the spirit of same, I conjure thee up oh mighty Barclaycard.     

[rosequeen]

Hi Mistermind

 

Still no news on the SAR ?

 

Thanks RQ