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Frustration
garytheanimal
Posts: 10 Forumite
in IVA & DRO
Hello all,
I'm currently claiming back PPI from the HFC Bank using a company, I have been offered an amount but the letter states that HFC will keep it to pay arrears, the loan originally was passed to a debt collection agency and was part of an IVA that ended two years ago. I have all the necessary paperwork saying I completed the IVA and a form saying that I paid back HFC 100% of what I originally owed.
Are the HFC allowed to do this? I feel as though they are stalling and hoping I'll give up on the claim. The problem being that if I do I will owe the PPI company £420 fees, so it could ultimately cost me £420 to get nothing. Also if I refuse to sign the offer form from the PPI company would I be right in saying they cannot charge me anything? Working on the assumption that if I get nothing, I should owe nothing?
I'm currently claiming back PPI from the HFC Bank using a company, I have been offered an amount but the letter states that HFC will keep it to pay arrears, the loan originally was passed to a debt collection agency and was part of an IVA that ended two years ago. I have all the necessary paperwork saying I completed the IVA and a form saying that I paid back HFC 100% of what I originally owed.
Are the HFC allowed to do this? I feel as though they are stalling and hoping I'll give up on the claim. The problem being that if I do I will owe the PPI company £420 fees, so it could ultimately cost me £420 to get nothing. Also if I refuse to sign the offer form from the PPI company would I be right in saying they cannot charge me anything? Working on the assumption that if I get nothing, I should owe nothing?
0
Comments
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Why are you using a PPI company? Absolute waste of good money."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0
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