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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
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    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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1987 HFC Bank loan account PPI - HSBC says NO RECORDS NOW


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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.

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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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 

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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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.

 

 

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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 :lol:

 

£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

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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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?

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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 ...

 

 

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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

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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.

 

 

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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.

 

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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 !   

 

901185219_VeraBirthday.png.fb1542e19f1c79d5f80cffe01554371a.png

 

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

 

 

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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.

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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.    

 

 

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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!

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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?

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  • 1 month later...
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 :lol:

 

£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.

 

 

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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

 

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 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.

 

 

 

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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

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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.     

 

 

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