218bhp Vs. HFC Bank (PPI Claim)

Around 6 years ago I had a credit card and 2 personal loans through HFC bank. I paid them off 3 years ago but am fairly sure that I paid PPI on all of them.

Because I dont have any of the paperwork I cant be 100% sure so I have sent an SAR letter to them this afternoon. Because some of the loans/cards I had with HFC were taken out over 6 years ago, they may not have full records on file, so this could be interesting. I think the application paperwork could be over 6 years old and hence destroyed, however because the loans were not settled until 3 years ago, something should still be there.

I will keep this thread up-to-date for the benefit of others.
«1

Replies

  • elfenelfen Forumite
    10.2K Posts
    HFC/Beneficial I'm sure are VERY well known for forcing PPI onto loans...saying it would provide a better APR (when it didn't) and also being the first thing paid off on the loan, meaning the term was longer. Something should still be there, as they didn't finish until 3 years ago, and dependant on the size of the PPI loan, depends what you're due back (which, I'd presume, since it is a PPI loan, would be all repayments and interest paid on the PPI)
    ** Total debt: £6950.82 ± May NSDs 1/10 **
    ** Fat Bum Shrinking: -7/56lbs **
    **SPC 2012 #1498 -£152 and 1499 ***
    I do it all because I'm scared.
  • 218bhp218bhp Forumite
    74 Posts
    To be honest, I have no idea how much the loan was for or how much the PPI was, in the back of my mind I think the loan was around £6k.
  • di3004di3004 Forumite
    42.6K Posts
    218bhp wrote: »
    To be honest, I have no idea how much the loan was for or how much the PPI was, in the back of my mind I think the loan was around £6k.

    Good luck.
    I'm sure you will do okay.;)
    The one and only "Dizzy Di" :D
  • Well having sent my letter to the address shown on this site for HFC Bank, the Royal Mail website says it requires re-direction.

    For reference, the addres I used was:

    HFC Bank PLC
    Customer Services
    PO Box 2445
    Birmingham
    B1 3PJ

    The post office managed to find the address in their system when I sent it and made no mention of a re-direction being in force so I presume it will get there eventually.
  • edited 27 October 2009 at 12:39AM
    di3004di3004 Forumite
    42.6K Posts
    edited 27 October 2009 at 12:39AM
    218bhp wrote: »
    Well having sent my letter to the address shown on this site for HFC Bank, the Royal Mail website says it requires re-direction.

    For reference, the addres I used was:

    HFC Bank PLC
    Customer Services
    PO Box 2445
    Birmingham
    B1 3PJ

    The post office managed to find the address in their system when I sent it and made no mention of a re-direction being in force so I presume it will get there eventually.


    This is the addy we have here:

    Central Complaints Team
    HFC Bank
    Camden House West
    The Parade
    Birmingham
    B1 2XJ

    Tel 0845 602 3793
    Fax 0121 214 4088


    It will get there, and give them a ring on the above number to make sure, good luck.;)
    The one and only "Dizzy Di" :D
  • custardycustardy Forumite
    38.2K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    218bhp wrote: »
    Well having sent my letter to the address shown on this site for HFC Bank, the Royal Mail website says it requires re-direction.

    For reference, the addres I used was:

    HFC Bank PLC
    Customer Services
    PO Box 2445
    Birmingham
    B1 3PJ

    The post office managed to find the address in their system when I sent it and made no mention of a re-direction being in force so I presume it will get there eventually.

    redirections are done at the delivery office for the old address
    i wouldnt expect the redirection to be to another B1 address as they would just deliver it that day
    we have many banks from my office and you would be surprised how much mail gets moved around/redirected
    theres one large RBS building that has been empty for over 5 years but they still use it for customer mailings
  • di3004di3004 Forumite
    42.6K Posts
    custardy wrote: »
    redirections are done at the delivery office for the old address
    i wouldnt expect the redirection to be to another B1 address as they would just deliver it that day
    we have many banks from my office and you would be surprised how much mail gets moved around/redirected
    theres one large RBS building that has been empty for over 5 years but they still use it for customer mailings


    Hi there.;)

    Thanks for clarifying this.

    As far as I know as well, for Endeavour personal finance complaints are at the same HFC address.....I think lol.

    Cheers.
    The one and only "Dizzy Di" :D
  • HFC wrote to me today, saying they have had my SAR and will do their best to supply all of the relevant information. Interestingly it states they only hold phone records for 30 days.

    They enclosed a form saying that the 40 days will start from when they receive the completed form and proof of ID.

    I have a couple of questions:

    1) Surely the 40 days starts from when the letter arrived with them and not when they say it will?

    2) Can I simply photocopy my passport and send that as proof of ID?

    3) They want me to sign their form, but I've read things on here about not signing anything - should I just send them a letter containing the information, rather than their form?
  • di3004di3004 Forumite
    42.6K Posts
    218bhp wrote: »
    HFC wrote to me today, saying they have had my SAR and will do their best to supply all of the relevant information. Interestingly it states they only hold phone records for 30 days.

    They enclosed a form saying that the 40 days will start from when they receive the completed form and proof of ID.

    I have a couple of questions:

    1) Surely the 40 days starts from when the letter arrived with them and not when they say it will?

    2) Can I simply photocopy my passport and send that as proof of ID?

    3) They want me to sign their form, but I've read things on here about not signing anything - should I just send them a letter containing the information, rather than their form?


    Hi there

    Yes your right, it could be from the date of your letter/or the date they received it.

    If this was me "personally" I would send photocopies and a copy of the utility bill as well.

    The 2rd question that is personally up to you, you do what you feel is best here, they must still comply by the 40 days you requested for the SAR.

    Good luck.;)
    The one and only "Dizzy Di" :D
  • 218bhp218bhp Forumite
    74 Posts
    Well I decided not to complete their form, instead I included all of the information in a letter.

    However, the address they gave for me to send the latter to did not exist in Royal Mail's system - so I've yet to establish an accurate address for their SAR request team.

    Having recently had swine flu, it made me laugh when I read the letter and saw they had me down as making a "Sars request" - I dont really want that one, or bird flu for that matter!
This discussion has been closed.
Latest MSE News and Guides

Stoozing, sublets & summer sips

This week's MSE Forum highlights

MSE News

Martin Lewis quizzes Rishi Sunak

Watch the cost of living support Q&A here

Join the MSE Forum discussion

48 craft beers for £50 delivered

One-off bundle for newbies. Excludes Northern Ireland

MSE Deals