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Hfc Ppi

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I originally started a thread in the HFC forum but may be I'll find more answers here. This is my original post:



In addition to the questions raised in my previous post I was wondering if anyone new of the exact terms & conditions of their PPI and in particular the part about being a UK resident. I'm curious about this because I've been a serving member of the Royal Navy (a fact known to the salesman) for the duration of my loan and have been deployed abroad for a good portion of the duration.


thanks for any advice anyone may have





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Ok, so I found the T & Cs in an old boxfile, seems being out of the country for prolonged periods is fine if your in the British Armed Forces - so no joy there - but that death due to war, terrorism, etc isn't covered, is this enough to claim I was mis-sold? As none of this was explained!


Also reading some else's thread got me thinking. My original loan was for a £1200 laptop in 2002 and now the settlement figure is still £2345.


During the intervening years hfc twice contacted me saying that because of changes to their interest rates, they could save me money and to pop in for a chat. On each of these occasions a new account was opened to settle the previous account with a small (£200) cheque passed on to me. All the time my montly payment remaining the same at around £100 a month.


Now I've wised up to their tricks, knowing that they never want to save customers money and they just wanted to fix me to them for another x months. But another thread hinted that on each time the loan is re-financed, at new ppi is opened without cancelling/refunding the old one. If that's the case that explains why I'm paying so much.


How do I find this all out? do I send an SAR to hfc or the insurers? (is it hamilton?) or both?


Thanks again for any pointers



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