HFC Bank - Default Removal

[lukeyboyuk]

Just a post to gain some advice on a situation.

 

In brief:

 

Account held with HFC Bank, account went into default although I don't recall receving the letter. (2003)

 

Account taken back to local branch who agree an amount per month to settle account stating default clearing and account showing up to date. They tell me it's too late to talk about the letter as it's already served. (2003)

 

Review of my credit file in recent times shows account in default, then in default month by month for each month I have paid. (2004 then 2007)

 

One complaint a few years ago - Declined (2004)

 

Further complaint started recently - Branch rubbish, 2nd branch rubbish, HQ dealing but saying no basis for complaint. (2007)

 

They have agreed as a gesture of goodwill to send me my SAR for free. They have requested ID, I have stated I believe they should provide it to me as per my request as this is my file address, been here for 7 years and they already corresponded with me about complaint without any ID.

 

Initialy email contact by Director of Finance, now I email and they post me a letter.

 

Does anyone have any thoughts on the above or any luck with a default removal?

[lukeyboyuk]

Plus I am looking to claim my PPO back from them, I will review the notes first.

[ukaviator]

Hi Lukeyboy

 

When you get your statements, ask for your charges back and the default removed as well. Keep the claim as a package, default removal has to be done too to settle your claim. I suggest you have a good look around the PPI thread about your claim there.