how long must I wait?

[hilaryfrances]

I have been waiting for BF/HFC to let me know how much I have paid in PPI, It is well over a year since I asked, I just get ignored, I am at the end of my tether with them, I have reporpted them to the FSA well over 6 months ago but still nothing. They just seem to ignore me, has anyone else had this problem and what else can I do?

[hilaryfrances]

hello is there anybody there? Can someone let me know what steps to take next?

[hilaryfrances]

gord the penny has just dropped, I could kick myself as I cleared this account late last year. I suspect the reason they have not contacted me with the amount of PPI I have paid is because they will not have a copy of my agreement and so they do not know! This account must have been on the go around 20 years and we were told at the time we could not have a loan without ppi as it was "company policy" I want to ask them to work out 20 years worth of PPI along with the interest. Does anyone know if I can do this and what is the best way to word the letter?

[sallysas]

I could be totally wrong but I thought you had to apply within 6 years of the PPI starting - or within 6 years of finding out it was unlawful (citing section 32 of the limitation act). Going back 20 years suggests to me that you are well out of time. Just my opinion though...........

 

Have a look here Payment Protection Insurance (PPI) - The Consumer Forums

[Scooby_Doo2]

I don't think the limitation act would apply here, or would it? The question is not that the PPI was unlawful, it's that it was mis-sold.

 

HFC are required to keep records of accounts for 5 years after termination of the agreement. So they will still hold your records.

 

You don't state what type of account you had? I'm guessing it was a Current Account Plus or a credit card. I'm not sure how far you will be able to claim back but I would initially ask for the lot. Maybe another CAG member can answer that one?

 

You can submit a subject access request (will cost you £10) under the Data Protection Act and formally request all information they hold about you. They'll then have 40 days to comply with that request. If they fail to do that they are then in breach of the DPA for which you can report them to the Information Commissioner who can order them to produce the information.

 

You can also raise a formal complaint - they should have done this already if you told them you were unhappy. I would write direct to the CEO in Winkfield rather than your local branch. HFC react quicker when you write to the CEO (a different complaints team deals with it). The address is:

 

HFC Bank Ltd

North Street

Winkfield

Windsor

SL4 4TD

 

Another option is to go the legal route through the courts. Not my specialist area, but there are plenty of people on here who can point you in the right direction.

 

One thing I would avoid though is claims management companies. They will charge you a fee for a "service" that you can easily do yourself for free.

 

Please keep us updated.

[hilaryfrances]

hello, I was told by the financial ombudsman that a desicion was to be reached very soon that was over 5 weeks ago!

[Scooby_Doo2]

hello, I was told by the financial ombudsman that a desicion was to be reached very soon that was over 5 weeks ago!

 

Chase them - don't leave it that long. I'd phone them and ask what stage they are at. It's possible that they are in discussions with HFC regarding redress.

 

I'd chase them (politely) at least once a week.

[dx100uk]

chase them, i'd get the info [have your sar'ed them?]

 

hfc have been fined over this, and are coughing up nicely.

 

i cant say too much, but i know a member here is currently almost successfully concluding a claim going back to 1986!

 

dx

[hilaryfrances]

;)OK I will ring them tomorrow, I cant beleive I have been "too polite" Afetr the misery they put me through

[laineynic]

I have also been chasing HFC since 2007 for a PPI refund. I contacted the FSA and the letter I received said that if I had not receied anything in 8 weeks to go back to them. 8 weeks is up on the 26th April. If I have not heard anyhting I will be back to the FSA. Did you letter not have a limitation time on it?

 

HFC are awful people to deal with. Its a barrage of phone calls or defaults even though you have made arrangements to pay a minimum amount per month. Wish we had never heard of them.

[hilaryfrances]

well I finally got my money after nearly 3 years, resorted to using a no win no fee compnay in the end so have had to pay hefty commision but at least I got my money back! HFC are the worst bank ever they pray on people who are desperate for money.