Hi dx.. What should I do next??? Have you checked my last post where I have scanned the letters again?? Thanx.

Thanks dx.. hope this is better..

Statements.

Hi dx100uk & ims21, sorry for the late reply.. checked the copy of wife's HFC debt ,it states No in the box of PPI. it further states that if you have chosen optional PPI, then the monthly PPI Premium will be equivalent to 16 % of your monthly repayment amount or such other % as we may notify to you from time to time. Monthly PPI Premium £N/A.

just to ask one more thing.. .my wife was also getting letters from lowell for a 5.5 yr old PC world product/hfc debt of 600 for which we sent them a CCA request on 17/12/2013 and received few letters back from them stating that they are in touch with HFC and her account is on hold till then. she received the copy of her CCA today including her signature.. does she still have to pay even though lowell is over the 12+2 days ??

Thanks for the quick reply...as i initially thought there is nothing on my credit file under hfc/lowell i did not sent the SAR...i will send it now as you say.thanks again.

Hi dx100uk.. .just to update you about the above. .after a few more similar letters from lowell now got a letter from them stating that they are forwarding my account to some RED agency and has also offered to reduce the amount by 25% in one of the previous letter. ..checked my credit profile again but nothing under HFC or lowell. what should i do next??

Yes...there is nothing in my credit report of similar value or under the name of lowell or HFC that's why i have not written to them requesting a CCA..

Hi Guys.. Could not write for a while due to health issues.. hope you all had a good x'mas. Yes fkofilee im in the UK.. Well i also checked my credit report few days ago ..no such HFC account is showing up on the report. .i will not lie but i did have some other credit card and one mobile phone default and these are still there as closed accounts.. I thought as nothing about the above account is mentioned in my report, is it still worth asking for a CCA from lowell or SAR HFC???

Hi dx100...sorry but i do not have much knowledge about PPI/insurance ..can you please tell me what is meant by debt not inflated by PENALTY charges nor PPIicon/compulsory insurances. ..sorry again asking this silly question.

Thanks a lot Ims21. ..i will write the CCA request letter to them. ..i initially thought this letter is only for credit cards debts, thanks again for your help. should i also check my credit score to know the exact dates of default payment? ?will it show on my file??

Many thanks for a quick reply CAG. ..unfortunately i don,t have the documents stating terms and conditions but the last payment was made to them in march 2008.. what should i do next???

Hi there, Im new to this forum n need some help. Received couple of letters from Lowell to contact them which i ignored, then got a letter again stating that HFC Bank Ltd have sold my account to Lowell portfolio I Ltd on 17/10/2013 i owe £7k for the account XXXXXXXXXXX to them now. I wont lie but yes i recall taking a loan of about £6k from HFC in 2008 but had some financial difficulties, paid only few instalments, had to leave the country. I checked the forum and came to know about SB and if im not wrong my last payment was made somewhere in march 2008 so im hoping that my account will be barred in march 2014. Please advise what to do in the meanwhile. Many thanks.