can you help? PPI claim not so over

kayke_dee

Hey guys sorry to start up this new thread, tried to look around for answers but with no joy.
I made a PPI reclaim against HFC in July. after just a week received a letter back basicly saying they would use the money they owed me to cancel the remaining balance on the loan and would credit my bank account with £155. I received the £155 sometime in August,'assumed:o' everything else would be done around the same time. Done and dusted nothing for me to worry about. ( i know i know...stupid)
Anyways this week i have received an invoice from HFC showing my payments,closing of account and stating an outstanding fee of £15. Now i wasn't aware of any fee (im guessing this is a closing fee). Should they not have covered that cost?! theres no details on the letter where and when this £15 is to be paid by. and on top of that today the £122 monthly loan payment to HFC as come out of my account, which they said they would close down?! Me being stupid thought everything was covered so didn't budget on that money coming out, So not only do i have a fee to pay, they've taken another payment and i will probably get charged by my bank for going over my £100 overdraft limit. grrrr:mad:

Is there anything i could do? Should i contact the same people who dealt with the ppi relcaim in the first place?

any help is highly appreciated but be nice...lol

marshallka

kayke_dee wrote: »

Hey guys sorry to start up this new thread, tried to look around for answers but with no joy.
I made a PPI reclaim against HFC in July. after just a week received a letter back basicly saying they would use the money they owed me to cancel the remaining balance on the loan and would credit my bank account with £155. I received the £155 sometime in August,'assumed:o' everything else would be done around the same time. Done and dusted nothing for me to worry about. ( i know i know...stupid)
Anyways this week i have received an invoice from HFC showing my payments,closing of account and stating an outstanding fee of £15. Now i wasn't aware of any fee (im guessing this is a closing fee). Should they not have covered that cost?! theres no details on the letter where and when this £15 is to be paid by. and on top of that today the £122 monthly loan payment to HFC as come out of my account, which they said they would close down?! Me being stupid thought everything was covered so didn't budget on that money coming out, So not only do i have a fee to pay, they've taken another payment and i will probably get charged by my bank for going over my £100 overdraft limit. grrrr:mad:

Is there anything i could do? Should i contact the same people who dealt with the ppi relcaim in the first place?

any help is highly appreciated but be nice...lol

I would contact HFC first and ask for why this has happened. They may refund in goodwill?? Did you cancel the direct debit at your bank?

kayke_dee

no i didn't cancel the DD for fear of a letter coming through the door saying you owe us! lol do you think i should do this?
should i contact the HFC branch where i opened the account or HQ? btw thanks for the reply

marshallka

kayke_dee wrote: »

no i didn't cancel the DD for fear of a letter coming through the door saying you owe us! lol do you think i should do this?
should i contact the HFC branch where i opened the account or HQ? btw thanks for the reply

I would contact your local branch or head office and be polite and ask they may refund in goodwill. I would certainly get the DD stopped now. Also check the loan has actually been paid off too?? State that its their fault you have this payment and maybe OD charges too and see what they say.

Good luck

kayke_dee

excellent thank you v.much will give that a go