PPI Reclaiming discussion Part III

booi666

Hi there,
I took out a hfc loan over the phone in dec 2006,
I have received 2 yearly statements that i have just opened(as i pay on time so didnt feel the need to read them)and have realised that i pay £46 per month in ppi on a £9000 loan.

I cant remember if i agreed or not to ppi,and its reading the posts on here thats got my brain ticking!!!!!
Can anyone advise me of the 1st thing to do to check this out.

Thanks in advance for any help or advise that i receive.

tylerlewis

So it looks like I'm in for a long wait as I'm now having to go to the FOS.
HFC's 8 weeks was up on christmas day. I rang on the 24th to be told that they're that busy looking into complaints that mine hadn't even been looked at yet but that they would email their team leader to put a rush on it. Phoned again today and it's still sat in a pile. But asked me not to go to the FOS as they did want to sort this out internally and that they would email the team leader again. Would another letter giving them 14 days to sort help do you think and would it be wise to get an SAR before taking to the FOS??

di3004

booi666 wrote: »

Hi there,
I took out a hfc loan over the phone in dec 2006,
I have received 2 yearly statements that i have just opened(as i pay on time so didnt feel the need to read them)and have realised that i pay £46 per month in ppi on a £9000 loan.

I cant remember if i agreed or not to ppi,and its reading the posts on here thats got my brain ticking!!!!!
Can anyone advise me of the 1st thing to do to check this out.

Thanks in advance for any help or advise that i receive.

Hello there.
Seems they did not give you an option of the PPI then hun when they sold you the loan, so they automatically added this then.......:rolleyes: .

Right please check this link out here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
You will find some useful PPI info on mis selling and if also any of them occur to you then get a letter in to complain and reclaim.

There is a letter template on that link and they have 8 weeks to respond in full, another letter maybe required if not successful or until you receive a final response, where they usually confirm to take it to the financial ombudsman to investigate if your not happy with the outcome of their final response.

Keep us informed of this in order for us to help you to the following step if required.
Post by recorded delivery, this is for your proof of posting and to keep an eye on the 8 weeks they have, because even if they do not respond by the full 8 weeks, you are then also eligible to take the complaint to the financial Ombudsman service (FOS).

Do you know HFC were fined for mis selling PPI, this gives you a good chance of being successful here, so fingers crossed and the best of luck.;)

If you require further info please just give us a shout.

Di
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LADYBUG_2

di3004 wrote: »

Hi Ladybug

Maybe it will be worthwhile requesting a SAR which is known as a Subject Access request where they must provide you with everything they have on your account.
They have 40 days to comply, and post by recorded delivery for your proof of posting and to keep a check on the 40 days they have.

However, there is a £10 cheque or postal payment that you must enclose with this request and here is a template letter most use on here below.

The SAR may supply you with further PPI info which may help in your case.;)

Good luck and here is the template below.

SAR - SUBJECT ACCESS REQUEST

Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.





I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely

Thank you Di, I will do this, thanks again!

di3004

tylerlewis wrote: »

So it looks like I'm in for a long wait as I'm now having to go to the FOS.
HFC's 8 weeks was up on christmas day. I rang on the 24th to be told that they're that busy looking into complaints that mine hadn't even been looked at yet but that they would email their team leader to put a rush on it. Phoned again today and it's still sat in a pile. But asked me not to go to the FOS as they did want to sort this out internally and that they would email the team leader again. Would another letter giving them 14 days to sort help do you think and would it be wise to get an SAR before taking to the FOS??

Hi.;)

Personally I would now move on to the FOS, fill out a complaint form, also keep a copy for yourself and send HFC a copy, tell the HFC that you feel its time to complain to the financial ombudsman service as they have reached their time-limit or more to deal with the complaint.
Tell them there is a copy of the complaint form enclosed.;)

I hear sometimes this can help, where they may even write back with a favourable response for you, knowing that you have sent a complaint to the FOS.

You can downloand a FOS complaint form here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
Or ring them for a hardcopy through the post.

Always enclose copies of all correspondence with the complaint form to the FOS.

But if you want to give HFC more time that is your choice hun, hopefully though you may be lucky to send them a copy of the form and they can still reconsider if you know what I mean.;)

Good luck and please keep us posted.

Di
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di3004

LADYBUG wrote: »

Thank you Di, I will do this, thanks again!

With pleasure hun, and you can still prepare for a reclaim/complaint letter too while your waiting if you want to, which is on the link here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Some still continue to complain while waiting for SAR docs, but if its further evidence you think you need to back this up then you can wait for those to come through first from the SAR if you want to.

Good luck and please get back to us, so we can help you through this.;)

Cheers
Di
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dreamer33

maxdp wrote: »

Dreamer 33 Hi Dreamer how you doing. Have not heard from you for ages.

Hi maxdp

I'm doing ok thinking of returning to work but not sure how are you.

Was reading the post regarding taking down the decos. I am the same take mine down on new years day, I love it looking spacious again and clutter free. Only my tree to go.

tylerlewis

di3004 wrote: »

Hi.;)

Personally I would now move on to the FOS, fill out a complaint form, also keep a copy for yourself and send HFC a copy, tell the HFC that you feel its time to complain to the financial ombudsman service as they have reached their time-limit or more to deal with the complaint.
Tell them there is a copy of the complaint form enclosed.;)

I hear sometimes this can help, where they may even write back with a favourable response for you, knowing that you have sent a complaint to the FOS.

You can downloand a FOS complaint form here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm
Or ring them for a hardcopy through the post.

Always enclose copies of all correspondence with the complaint form to the FOS.

But if you want to give HFC more time that is your choice hun, hopefully though you may be lucky to send them a copy of the form and they can still reconsider if you know what I mean.;)

Good luck and please keep us posted.

Di
x

Thanks Di, I'll definatley make sure I get this done 1st thing next week. Hopefully it'll move them along so I dont have to wait months for the FOS to deal with.

dreamer33

Hope you all had a good new year.

Started the 3rd party process against freedom. Forms posted today. Still waiting for EGG.

di3004

tylerlewis wrote: »

Thanks Di, I'll definatley make sure I get this done 1st thing next week. Hopefully it'll move them along so I dont have to wait months for the FOS to deal with.

Fingers crossed for you hun.;)
Yes, with a bit of luck it will push them on a bit. Good luck.:D

I know its a gamble with the FOS, some are lucky to have their complaints done with in weeks, some can take as you know many months, again depending on how complex the case it, hopefully yours will be more straight forward.;)

Di
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