Hi everyone, Sorry to hassle, but I wondered if there was anyone who can suggest a way forward and a reply to HFC? In my previous post I forgot to mention that a SAR WAS sent to HFC and also a follow up reminder (using the CAG template letters) despite HFC stating in thier letter that they had not received the same. Should I make a new application for a SAR or should I "call it a day" and make a pro rata offer to repay based upon my available income?Any advice would be gratefully received.

***UPDATE*** I attach a copy of a letter that I have today received from HFC Bank in reply to my letterof 3 November. I am not entirely sure how to reply to their letter or what to do next and would appreciate any help or advice that any CAG members can provide. As far as I can see, the current situation is: 1. HFC have now refunded the PPI premiums (and interest at 8%) as offered in their previous letters to me and in response to my complaint. However, following advice from dx100uk, I refused their offer as it was apparent that the refund had been calculated incorrectly. HFC's original offer stated that I also had to enter into a new agreement with the Bank, although they now seem to have quietly "dropped" this requirement following my objections!!!! 2.HFC have failed to make any comment whatsoever or offer of refund concerning my complaint and request of a refund in respect of the joint life cover premiums (the loan was in my sole name) that Household Bank added to the agreement along with the PPI premiums without my consent. 3. Although my loan agreement with Household Bank states that Household Bank is a "Trading name" of HFC Bank Ltd there is no reference to HFC being the creditor only Household Bank. In view of this I cannot see how HFC can state that they are now the creditor in respect of my loan when they appear to have implied that they have not complied with the requirements of the law of Property Act concerning assignment. If HFC's argument is followed then surely I would owe the money to HSBC Bank PLC and not HF as HFC is acompany owned by HSBC BanK? Any advice and comments I what I should do next or how to reply to HFC would be gratefully received as I am now totally confused and feel that I am being "harrassed and bullied" into agreeing something that I should not do. Monkeymad1 Received HFC letter - December 2011.pdf

I attach a draft copy of aletter that I am proposing to send to Beneficial finance in reply to their letter to me.I would welcome any comments.Monkeymad1 Draft Beneficial (HFC) letter 03-11-2011.doc

Following my last post I sent the letter to CapQuest and eventually received a reply advising me that they taking no further action and closing their file. I have now received the attached letter from Beneficial Finance and would welcome any advice that you are able to give. To recap, following a letter from HFC Bank dated 10 March I sent a request for a SAR in March 2010. This is still oustanding.HFC advised me in their letter that my account was closed on 29 January 2010 but I have not been served with a termination notice or a default notice. In addition, HFC have refused to provide me with any details as to how my "consolidated" loan was calculated taking into account settlement of and repayment of previous PPI and loans that I had with HFC!!!!!! HFC made an offer in their letter to refund the PPI premiums but their calculations do not add up. They have made no offer to refund the joint life policy premiums which they added to the loan without my consent. (The loan was in my name only). Furthermore, HFC are insisting that I take out a new loan with them taking their PPI refund into account although I definitely do not wish to do this (presumably as they know the original loan is unenforceable!!!) .I am going around in circles! Sorry, forgot to attach the letter! Received Beneficial Finance letter October 2011.pdf

Cornwall CAB have recently discovered that the Provident have been buying unenforceable debts to promote their loans and have issued the following statement::" I have been aware for some time from internet forums that Provident have been buying unenforceable (usually statute barred) debt and using their local collectors to offer Provi loans to pay it off. Obviously the original debt may be unenforceable but the new one won't be. Hadn't seen it locally until todayI have attached an anonymised scan of their letter for those who have never seen Provident offer a 0% loan and a 10% discount before! (And we may be able to consider you for future credit.....).I am extremly concerned that a number of financially vulnerable people may get caught up in this and would welcome any comments from fellow caggers.Monkey Mad1

Hi All,Further to my earlier post, I now attach a draft of a letter that I propose to send to CapQuest.I would welcome any comments and also any advice and assistance with regard to my earlier post.As always, and in anticipation, thank you for your help.Monkeymad CapQuest (HFC) letter 26-08-2011.doc

Sleepingdog, Thanx for your reply and I regret the delay responding to your question. The DCA is called Allied International and they are based in Glasgow. I attach a draft of a letter that my wife sent to the DCA the original of which she sent on 11 February together with an up to date copy of her financial statement. to date she has not received a reply, but the DCA have left at least 15 messages on the answerphone at home in the past week requesting that she telephone them to make payment in full. Your advice would be appreciated. Monkeymad Julie DCA (MBNA) letter 10-02-2011.doc

My wife has an MBNA credit card which she took out several years ago, transferring a balance from another credit card. Last April following financial difficulties she was served with a default notice and as a result she sent a financial statement to MBNA and agreed a repayment plan in respect of her card balance. Today, out of the blue, my wife has received a letter from a DCA requesting payment of the outstanding balance of her card in full (£2,500) within 48 hours!!!! The DCA started their letter by saying "We have been instructed by our client....." My wife has advised me that apart from the default notice issued by MBNA last April she has not received any other notices or a deed of assignment from MBNA. I seem to recall from replies to other threads that in situations where a DCA is not the owner of a debt you can refuse to speak with them and demand that the file is returned to the creditor. This is becase the debt has not been assigned under the Law of Property Act 1925. Am I correct? If so, does anyone have a template letter (or point me in the direction of a template letter) for my wife to use to send to these morons. Any help will be gratefully received. Monkeymad

As always, thanks for the advice johnnymitch. I will email Mr Thurston and see what happens although before doing so I will take a bit of time to formulate the content of my email. Monkeymad

*** POSTSCRIPT *** I have just realised that the letter I received from G D G Solicitors is dated 10 July and was sent to me by 2nd call post and received this morning (19 July) therefore giving me 1 day to reply to their deadline!!!!! Deliberate ploy by these idiots to impose unachievable deadlines? Monkeymad

*** UPDATE *** I have received another "standard" letter from D G Solicitors and I attach a copy with this post. It is plainly apparent that these idiots have chosen to ignor my recent letter to them. Not surprising considering the history of this matter and the fact that they, HSBC and Metropolitan have all ignorred my earlier correspondence from the CCA request onwards!!! Can anyone suggest a suitable reply or should I just ignor their letter and see what happens? Alternative should I write to DG and refer them to my earlier letter and also incorporate the CAG "withdrawing implied consent for access to my property" letter? If so, should I bypass D G and send the letter (by registered post) directly to the group chief executive of HSBC, Mr M F Geoghegan or the group charman, Mr S Green for their personal attention? (I bet I would get a reply!!!!). Any help or suggestions would be gratefully received. Monkeymad. P.S I note the recent comments of MIKE770. It hope everything works out for him. It appears as though I am in for the "long haul". I get the impression that HSBC and their cronies ignor any requests that make life "uncomfortable" for them! Received DG Solicitors letter 10-07-10.pdf

Thanks johnnymitch and CB for the compliments and encouragement. I will post again once I receive a reply from D G Solicitors. Monkeymad

Johnnymitch, Thank you for your invaluable advice. I now attach a copy of the letter that I have today sent to D G Solicitors. I wonder if I will get a reply? Any further advice will be gratefully received. Monkeymad DG letter 09-07-2010.pdf

johnnymitch, thanks for your prompt reply. I will write as suggested. However, based upon previous experience I do not anticipate that they will reply.

Hi barclaycard, I attach a copy of a leaflet for the CAP service. I have not used this service myself (or for my clients in my capacity as a Housing Association Finacial Inclusion Advisor) so I cannot vouch for their effectiveness. CAP Leaflet.pdf