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HIP - what can you do if you have only just paid for one?

I'm sure there are lot's of people in this boat like me, but what can I do if I have only just paid for a HIP and they are now not legally required?

My HIP is still being finalised with a provider but I am told that I can't get a refund. I have paid £247 for something that I may not get in full and that is no longer required.

Any help or guidance on this would be great.

Thanks

Donna Trask
«1

Comments

  • AMILLIONDOLLARS
    AMILLIONDOLLARS Posts: 2,299 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I think it will all depend on when you paid for it. If its this week, you may have a chance to get your money back, as they may not have begun work on compling the pack, if it longer then this, then they may have a case to say that they have carried out your instructions. As you say, there will be many more people like you with this problem.

    Good luck

    AMD
    Debt Free!!!
  • Fire_Fox
    Fire_Fox Posts: 26,026 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I suspect they are legally required until the legislation is revoked by parliament. An announcement of intent does not mean HIPs are no longer required. I would siggest you check with your conveyancing solicitor to be on the safe side.
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
  • ILW
    ILW Posts: 18,333 Forumite
    Spare a thought for the poor sod who's job has just gone down the river.
  • Leory
    Leory Posts: 386 Forumite
    Not what you want to hear but it's tough luck sorry.

    you have paid someone for a service. The service they have provided will have costs connected to it they have had to pay.

    Imagine you had to sell a car with a full tank of petrol, but then the law says you didnt - you cant take it back and get a refund.
    .......actually that is nothing like it!
  • Slinky
    Slinky Posts: 11,225 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It may depend on how far they've got. We had an EPC done on Tuesday but the chap hasn't done anything else, so he just wants paying for the EPC. However we're in the situation that he didn't want paying up front. Might be a different matter if we'd already paid.

    Before my husband called the HIP chap we discussed it and took the view that if we had to pay in full we would, but that we would insist that all the paperwork which we were paying for would have to be completed.
    Make £2025 in 2025
    Prolific £617.02, Octopoints £5.20, TCB £398.58, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £60, Shopmium £26.60, Everup £24.91 Zopa CB £30
    Total (4/9/25) £1573.21/£2025 77%

    Make £2024 in 2024
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    Total £1410/£2024 70%

    Make £2023 in 2023 Total: £2606.33/£2023  128.8%




  • Wee_Willy_Harris
    Wee_Willy_Harris Posts: 7,512 Forumite
    Fire_Fox wrote: »
    I suspect they are legally required until the legislation is revoked by parliament. An announcement of intent does not mean HIPs are no longer required. I would siggest you check with your conveyancing solicitor to be on the safe side.

    http://news.bbc.co.uk/1/hi/business/10130254.stm
  • Evee2000
    Evee2000 Posts: 217 Forumite
    PPI Party Pooper
    donnatrask wrote: »
    I'm sure there are lot's of people in this boat like me, but what can I do if I have only just paid for a HIP and they are now not legally required?

    My HIP is still being finalised with a provider but I am told that I can't get a refund. I have paid £247 for something that I may not get in full and that is no longer required.

    Any help or guidance on this would be great.

    Thanks

    Donna Trask

    Why do you think you will not get it in full? Have they told you that?
  • Running_Horse
    Running_Horse Posts: 11,809 Forumite
    Part of the Furniture Combo Breaker
    donnatrask wrote: »
    what can I do if I have only just paid for a HIP and they are now not legally required?
    Vote Labour?

    Look at it this way. No one would have read the thing if they were being kept. Now no one will read the thing as they are being abolished. Either way you haven't lost out...I think.

    If they are saying they will not supply it in full, then surely they have not fulfilled their side of the contract, and some kind of refund will be due.
    Been away for a while.
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    HI :)

    If the searches have all been ordered by the HIP provider it may not be possible to cancell them and therefore the full price would be charged.

    I think a lot of people are forgetting that last week I was getting yelled at because the HIP wasn't completed in 24 hours and yet now I'm getting yelled at because my crystal ball didn't tell me on Monday that HIP were definitly going to suspended!

    I'm sooo glad I won't have to deal with these anymore - please have a thought that we only found out when you did!
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • Hippychick
    Hippychick Posts: 738 Forumite
    If you can't get your money back perhaps consider selling the searches etc to your buyers?

    The buyers will now have to pay for searches again anyway and as long as they are in date and valid it will speed up the process for them.


    CC debt at 8/7/13 - £12,186.17
    Barclaycard £11,027.58
    Halifax £1,158.59
    5 year plan to live unsecured debt free and move home
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