PPI Reclaiming Discussion part 4

tiggrae

tiggrae wrote: »

right hfs are owned by Captial One Home Owner Loans Limited, their address is :

Sandalwood Court
Springwood Way
Tytherington Business Park
Macclesfield
Cheshire
SK10 2XA

you need to write to them copying in the letter sent to you by FP

ps just sent you a personal message

lucieloo

thanks in fp letter they say that they have forwarded my complaint to cap one so do i still have to write to the? how do i see my personal message/

tiggrae

lucieloo wrote: »

thanks in fp letter they say that they have forwarded my complaint to cap one so do i still have to write to the? how do i see my personal message/

won't hurt for you to write to them as well - private messages are at the top of the page above Members List Calendar along from where it says 'Welcome, lucieloo -

lucieloo

ok thanks i have read it. do i have to reply via pm if i wanted to do what you have said?

tiggrae

lucieloo wrote: »

ok thanks i have read it. do i have to reply via pm if i wanted to do what you have said?

yes please or you can click the 'Y!' below my name Tiggrae and that will let you email me direct

Gareth19

di3004 wrote: »

Hi there

with your reasons I would certainly give it a go.

You write to the ones who sold you the finance, they have 8 weeks in full to respond, post letters by recorded delivery for your proof of positng.
Keep at them.

Good luck with this and please let us know how you get on.;)

Many thanks for the info. I have just sent a letter to HFC via recorded delivery. I'm not holding out much hope but I was encouraged to read on here that HFC were one of the banks fined by the FSA for mis selling PPI so you never know. I have been asking for a CCA for ages and after an official request letter which I found on here they finally sent one. Maybe the fact they had PPI included is one reason why they weren't in a rush to send it out.

di3004

Gareth19 wrote: »

Many thanks for the info. I have just sent a letter to HFC via recorded delivery. I'm not holding out much hope but I was encouraged to read on here that HFC were one of the banks fined by the FSA for mis selling PPI so you never know. I have been asking for a CCA for ages and after an official request letter which I found on here they finally sent one. Maybe the fact they had PPI included is one reason why they weren't in a rush to send it out.

With pleasure Gareth and yes your correct in regards of them being fined, so you already stand a chance here.;)
Keep at them and let us know how you get on, fingers crossed.

Di

tiggrae

Gareth19 wrote: »

Many thanks for the info. I have just sent a letter to HFC via recorded delivery. I'm not holding out much hope but I was encouraged to read on here that HFC were one of the banks fined by the FSA for mis selling PPI so you never know. I have been asking for a CCA for ages and after an official request letter which I found on here they finally sent one. Maybe the fact they had PPI included is one reason why they weren't in a rush to send it out.

when did you take out the loan?

lucieloo

ok so i was with cap one i have contacted them and they have received my complaint through first plus. i have studied the forms but i am struggling to work this out, i never went to school so wish i had but cap one sold me the ppi but when i paid my loans off with first plus they gave me the settlement figures which obvisouly included the ppi payments as they had been added to my loan in the first place so if fp lent me the money and i paid fp back how can cap one be the people who if i have been missold be the ones to pay me back?

Gareth19

tiggrae wrote: »

when did you take out the loan?

Loan originally taken out in October 2001 but still paying it off.