Intelligent Finance

blackcoffee

My reply from I.f has just arrived.


The decision in the first stage of the test case process relating to bank charges is as follows..
The Judge agreed with the Banks' arguments that the charges are not penalties. However, the Court has decided that the Banks¿ current terms and conditions relating to overdraft charges can be assessed for fairness under the Regulations.
At this stage, the Court has not decided whether the charges are in fact unfair. This issue will be decided at a further hearing.

HBOS believes that the fees customers pay for unarranged overdrafts/failed payments are fair. We expect the Court to have the same opinion at the next stage of the test case process.

HBOS, along with the other Banks involved with the case, welcomes the Court¿s decision.

Regards


Have i left it too late, my claim isnt for as much as some, i think it toals just over £100.00 for 3 seperate incidents.

HAVEFAITH

Hi,

I am sending for a copy of the original loan agreement with Intelligent Finance. Can anyone point me to which address to write to pls?

Snooze_you_lose

I took a loan out with un-intelligent finance in 2003 and again in 2005. I was missold the PPI over the internet and as i'd had previous loans with HSBC, and had also taken PPI out with all of them, automatically assumed that PPI was just required to be lent the money so took PPI out again with IF. I wrote to them initially on 6 April, and had a response letter 4 weeks later from IF saying that they couldn't see how I was missold the PPI when I signed the paperwork and that I also had a 14 day cooling off period. I was very naive 10 years ago and because I was desperate for the loan, I did anything to just have some immediate money and my head wasn't screwed on as well as it should have been. I was struggling with the added PPI on top of my monthly repayments, but never missed any payments. I just feel gutted that i've been rejected in such a 'matter of fact way' and they even said that I could write to the financial ombudsman..... so you know what, I did just that today and posted my letter to them. I have to wait with baited breath now, as this can go on for up to a year... Fingers crossed eh...... If anyone else has any Intelligent Finance rejections, be sure to let me know. Happy claiming everyone. :j

di3004

Good luck to all.

Details of IF here.........

http://www.if.com/contactus/default.aspx

Intelligent Finance
Po Box 17316
Edinburgh
EH12 1AY

oldish

I have just received an email from Intelligent Finance with an attachment to open to show my account details. I don't think I have an IF account so I am not opening it. Is it possible that IF is associated with some other account I have and is therefore genuine?