Firefox V HFC Bank ** WON **

[fire fox]

Hi all

Fresh from my success with NatWest I am about to chase HFC for a samll amount. I already have my statements to hand and am sending the prelim letter for payment tomorrow. Question... is the process exactly the same as NatWest? I'm guessing it is. Secondly...is the address in Birmingham the one I use for all correspondence? I have a lot of admin fees - £15.00 so thought I'd get them back.

[heavy_t]

I sent my subject access request to the their head office which had a Slough (SL) postcode. This resulted in a delay, and all my subsequent letters were sent to the PO box address in Birmingham, since when their responses - although otherwise unsatisfactory - have at least been quick!

 

Use the Birmingham address if I were you.

[fire fox]

Sent my prelim letter on 3/03/07 and today received response saying no form their Complaints Manager. She has advised I follow their internal complaints procedure. Next step LBA. Thought they may not have argued over £350!!

[heavy_t]

Keep at it! They are on the verge of coughing up the full amount

of my claim.

 

http://www.consumeractiongroup.co.uk/forum/hfc-household/65731-tom-hfc-beneficial.html

[fire fox]

About to send my LBA but have just noticed on a NAtwest thread that someone is saying to reduce the time you give them from 14 to 7 days before court action. Is this right?

[heavy_t]

I gave seven days on my LBA for all three of my claims, and I made sure to write calendar days

[fire fox]

ok great, thanks

[fire fox]

Ok. No response to my LBA. The time scale I gave then has well passed as I have just been away for 10 days. My question is shall I give Rachel Daramola a call and ask if they want to avoid the addition of court costs before I issue the MCOL? Next question is does anyone have a contact number for her?

 

Thanks

[fire fox]

bump?

[angel49]

Hi Firefox

You could try 0121-214-4000.

[fire fox]

thanx angel will give it a go

[alanfromderby]

If you are happy to talk to them on the phone then it is always worth doing - and really the court does put an onus on claimants to try and seek a settlement before a clam is issued. However, don't let them sidetrack you.

[fire fox]

Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

[Scooby_Doo2]

Thanks for that Alan. Dont think they can sidetrack me as Im on a high after winning against Natwest. Have learnt so much from this site, not least a bit of self belief and more confidence:)

 

 

Hi All

 

Rachel Daramola-Martin works in the Winkfield office (HFC Bank's registered head office). The reception number there is 01344 890000.

 

If you call Birmingham, you will only get put on hold til they transfer your call.

[fire fox]

Hi Scooby

Thanks so much for that.Will give it a go.

[fire fox]

Got another letter today offering exactly half so after phone call to them on Monday offering to save them the court fee if they want to settle in full I will fill in the MCOL. Same pattern as NatWest!!

[parian]

I got the same offer yesterday exactly half without the interest they said it would be a good will payment.

I did'nt think banks had any goodwill

 

Ian

[Scooby_Doo2]

I got the same offer yesterday exactly half without the interest they said it would be a good will payment.

I did'nt think banks had any goodwill

 

Ian

 

They don't - it's pure economics to them. Some customers will settle at this stage and that's money saved to the bank.

[100%WHU]

I got same letter too, half the amount they calculated, but not half the amount they actually owe, they somehow managed to miss out £150 worth of charges

[fire fox]

Called Winkfield office today rejecting their half offer. I asked if they wanted to settle in full now as it is such a small amount and pointed out it would avoid them having to pay court costs and added interest. The guy on the other end said they wouldnt offer more than half so to go ahead with the court claim. MCOL will be completed tomorrow. Here we go again !!! What a waste of their money and the court time eh?

[fire fox]

I sent a letter confirming I would not accept half and telling them I was off to court. Saturday morning a letter offering full amount into a bank account of my choice within 14 days arrived !!!

Result....yahoo:D

[fire fox]

Well done me!!

As no-one else appears interested I will congratulate myself:)

[mcfadzean1]

well done m8 , got a letter saturday saying we aint paying you diddly squat so letter went out dinner time saying you got 7 days left pay or go up against the fireing squad and prepare to take wats thrown at you . only took them 1 day to investagate and send the reply out to me ( yeh right)

[tifo]

same with me, stated we never pay interest but have offered all charges back.

[Russjo]

Hi Firefox,

Well done. I'm just about to file my claim with them for the first of two accounts and your thread is really encouraging. They offered me £37.50 after first letter and now they've offered me £75 out of £195, so if I follow your lead and send them a letter, I could be in for a nice surprise next week Won't hold my breath though and won't start the second one just yet, just in case