Household Bank/Beneficial Finance - HFC Bank Limited

hendec

hi, when i spoke to customer services this morning, they gave me the following address to write to:

CUSTOMER SERVICES
HFC LTD
PO BOX 2445
BIRMINGHAM
B1 3PJ

mr_darrin

Hi,

just starting out reclaiming my bank charges and going to try for credit card I used to use, but is still active. It's Beneficial Visa, part of HFC. Can't seem to find the address to send first letter too, though I may be being thick. Can anyone help?

Cheers
Daz

Edinburghlass_2

Couple of addresses in the posts above, you would probably be as well to use the CS one.

Angry_Gazza

I have a dilemma, and wondered if anyone had any advice/or are in the same situation?

I was out of work for a year, and i had a BENEFICIAL credit card with a limit of £5,000.....during this time, i ended up owing £7,900.

My dilemma is this:

Beneficial have been very good to deal with (eventually, after a year of them threatening/persistant calls saying i'm not paying enough). When i got back into work, i agreed an arrangement with them that i pay £100 per month, and they would NOT put on any more interest to the total, or overlimit charges.

I am pleased to say that i now owe £3,400.

My question is, should i go down the route of reclaiming charges (which i would expect to be quite a lot) but may not cover remaining balance, or should i not "ROCK THE BOAT", and just swallow the charges to keep the arrangement?

It just grates on me that the total got so high in the first place BECAUSE of their inflated charges.

Thanks in advance for any help/advice/opinions in advance.

GAZ.

natweststaffmember

Gaz, the question is how much of that debt has been caused by them unlawfully taking charges off of you? Is that fair? If i punch you in the nose and you bleed, but i help to clean the blood up and you only have a broken nose, should i not be held accountable?
You will be pleased to know I won't punch you in the nose but it has to be YOUR decision. ok

Angry_Gazza

My main fear is that if i write the first letter asking for a list of my charges, they are bound to know why i want them........can they at this point go back on the arrangement we have in place and start APPLYING interest again?

Rock and hard place spring to mind...

GAZ.

natweststaffmember

If they have an agreement in place and you have written confirmation, then they have entered into a contract with you. They cannot break it or you can sue em for that as well.

Angry_Gazza

Ah....that's what i was worried about. No written confirmation, just a case of "if i pay £100 every month, they don't/will not chase me for more, or add interest to the debt.

Think i may leave this as it stands, but persue my other claims.

If they go well, may come back to get them armed with a few quid that could cover the 'shortfall' should there be any.....Not after "free cash", but would be nice to wipe my mis-spent youth debts. :cool:

Cheers for your input, i have another thread (my fight) which i'm keeping as a diary and updating as and when... as i say, if that goes well, BENEFICIAL will be hearing from me.

Thanks again

GAZ.

Raj899

Hi

I had a credit card with hfc bank I closed my account about 2 years ago and i wrote to them to request that they sent me my bank statements for the last 6 years they wrote back and said that they were unable to locate transactions and charges on they account due to the fact that the account has been dormant for this time and that the account statements have been purged from their systems.

Can I do anything appriciate any advise.

Beate

Grass them up to the Information Commissioner, they are supposed to keep all records for 6 years.