HFC Loan

[BRIGADIER2JCS]

No it makes no difference the account was still in default.

[brokebutnotbeatn]

They have to put the account back into the condition it would have been had ppi not been on it, so if you would not have otherwise been in default then take up the battle. However, if it would have been then there is nothing you can do.

[BRIGADIER2JCS]

That is correct even if a defaulted account is paid in

full if they payment was made outside the time limit

laid down in the Default Notice the entry remains on

the file for the six years from the default date and

would be marked satisfied.

[crashlanding21]

good eveing,

 

i have a simple question:

 

i successfully claimed back ppi from HFC bank from a loan that i was currently paying off.

 

however, this loan was an extension of an earlier loan that i taken out which i am sure PPI was part of it.

 

when i successfuly claimed the ppi on the loan that has now finished, woudl this have included the PPI payments made to the previous loan account?

 

i am pretty certain that these loans had different reference/account numbers.

 

if someone can point me in the right direction i wold be truely greatful.

 

best regards

 

Graham

[ims21]

Hi

 

If you haven't already done so you should SAR HFC.

 

If there was PPI on the first loan and this loan was refinanced then it is highly likely that you were paying off loan 1 ppi via loan 2

 

ims

[crashlanding21]

Thank you for the fast reply!

 

A SAR will be sent!

 

Thank you

 

Graham

[dx100uk]

no i bet it didn't!!

 

HFC would have kept the rollover very quiet.

 

you relaim woud have been a lot lot more

even from the fact that PPI + int on first loan

would have had even more int added on the second load.

 

dx

[crashlanding21]

Thank you for this info!

 

i will probably be asking for a bit more hekp along the way, if interest is included over a timescale then this was a good few years ago!

 

Cheers

[crashlanding21]

good evening CAG forum!

 

years ago i successfully claimed back some PPI from HFC bank as it was know in 2006 (ish)

 

I had a phone call a few weeks ago stating that I am eligeble for a refund on the tax from the initial claim that wasnt paid to me at the time of the settlement.

 

a) had anyone else either heard of this process or successfuly received an amount?

 

b) i presume that I could do this myself rather than instruct the creditor?

 

c) this par tbaffled me, they said they are not able to negotiatea fee &age as its set by the rate it was claimed for initially.  I am trying t find what i was charged in the first place!

 

all help of course greatly received!

 

Thanks guys

 

Gee

[dx100uk]

from who was the call?

 

you can reclaim the 20% of the 8% statint that was taken direct yourself from HMRC using form r40 if you earn under your tax threshold.

[slick132]

Hi Crash,

 

Can you say approx when you rec'd the PPI refund and did it specify an amount retained by the bank on behalf of HMRC in respect of interest paid.

 

I suspect the call may be one of many fraud attempts (slow computer; HMRC tax refund; amazon pay't coming from your account; phishing call blocking service; etc) that continue to come from outside of the UK. Can you say if the caller or caller centre (based on accent, backgound noise, etc) sounding like a UK or an overseas call centre.