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parian v HFC **SETTLED IN FULL***


parian
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can anyone tell me if I have these correct.

 

RD Cheque Charge = returned Cheque Charge......can I

Claim for this.

 

NFS = Not sufficient funds............can I

claim for this

 

Admin Fee ...........Can I claim for this

 

 

Many thanks

 

 

Ian

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can anyone tell me if I have these correct.

 

RD Cheque Charge = returned Cheque Charge......can I

Claim for this.

 

NFS = Not sufficient funds............can I

claim for this

 

Admin Fee ...........Can I claim for this

 

 

Many thanks

 

 

Ian

 

I assume you have an HFC current account (now Beneficial Finance)?

 

In answer to your question, I would say yes, yes and yes.

 

The RD cheque charge is for a cheque that has been returned as "Refer to Drawer" - a bounced cheque.

 

The NFS is the Non Sufficient Funds charge - you can get this for a bounced direct debit.

 

The Admin Fee can be for anything - usually an arrears fee.

 

In all cases, they are automated and certainly do not cost HFC £15 each a throw.

 

If these are one off charges, I'd make a formal complaint and use their complaints process to get what you want - they will try to bat off your complaint, but if you keep to your guns and say you're not satisfied and you'll go to the Financial Ombudsman if they don't refund, they'll cave in because:

 

1. It'll cost them £360 if the FOS gets involved

2. It's not worth the aggro of defending the complaint with the FOS.

 

Even if they did defend the case and won, it will not have any bearing on any legal action you may want to take.

 

Hope this helps.

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Received my MCOL notice of acknowledgement this morning, so my spreadsheet and a polite letter to ms Eaves telling her that im in this for the long haul will be in the post tomorrow

 

Rgds

 

Ian

 

HFC £1041

HSBC £3,556

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High scooby

got an offer yesterday offering me exactly half without interest or costs, the funny thing is it did'nt come from DG but Hfc branch support

 

Ian

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High scooby

got an offer yesterday offering me exactly half without interest or costs, the funny thing is it did'nt come from DG but Hfc branch support

 

Ian

hello,

 

Soory to jump in but

 

I do hope that you are not going to accept their offer and you are going to continue for the whole amount:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Agreed - go for the full amount.

 

They are offering half because they know some customers will settle early, which is money saved for them. They will try this with everyone and to be fair, they are a business, not a charity afterall. So it's no surprise, but it's hardly about Treating Customers Fairly is it?!

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I'm sending a rejection letter in the morning, I sent a letter to DG on friday with my schedule explaining that I am aware of their delay tactics and I'm willing to see it out to the end and should they make me an offer I would expect it to be well in excess of 85% plus my costs.

I hope they understand that I'm not scared of them and they just as well pay up sooner than later, although it will probably be later

 

Ian

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I'm sending a rejection letter in the morning, I sent a letter to DG on friday with my schedule explaining that I am aware of their delay tactics and I'm willing to see it out to the end and should they make me an offer I would expect it to be well in excess of 85% plus my costs.

I hope they understand that I'm not scared of them and they just as well pay up sooner than later, although it will probably be later

 

Ian

 

Quick question - what's DG?

 

In terms of your offer, you should be asking for and only settling for the full amount - don't settle for 85% :cool:

 

They will use the process to it's limits, so don't be surprised if they drag their feet - but hang on in there!

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HFC filed their defence today so another letter of to DG (DG solicitors scooby), this time telling them if they take thi to court I want the lot, the 85% in the last post was for an early settlement only, why drag it out if they know I'm will to talk to the judge.

Any advise on what to do now

 

Rgds

 

Ian

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They haven't been particularly difficult with me but I haven't gone as far as court. Looking around the forum I beleive they tend to fold at the last minute.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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Hfc filed their defence last week and guess what I received an offer for 50% of the charges, sent a rejection letter that morning. saterday I received another letter for !00% of the charges but no interest and no costs so another rejection letter off to them monday morning

 

Rgds

 

Ian

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