Lowells chasing 2003 HFC loan 'debt'

[topv6]

hi

this is the first time posting on here , so i hope im in the right place

 

i have a personnal loan from hfc taken out in 2004

 

which i missed payments on

 

it was passed to lewis group who now have passed it on to moorcroft

 

i have recieved the cca today

 

which is a photocopy with the terms and conditions photocopied on the back

 

the terms and conditions are almost unreadable

there is no date of signiture at all

 

also i have just noticed they have been charging me ppi, can i still claim for this

 

thank you

chris

[dx100uk]

yes

no limit

go get 'em

post in the ppi forum.

 

dx

[topv6]

yes

no limit

go get 'em

post in the ppi forum.

 

dx

 

 

thank you for your very quick reply

 

i have just been rechecking the credit agreement and have noticed

the box for the date of signiture says

 

"date of signiture and of this agreement"

 

can anyone help with what letter to reply to them with

 

thanks again

chris

[dx100uk]

in relation to what?

 

are you disputing the debt?

 

or just looking to reclaim the PPI?

 

dx

[topv6]

in relation to what?

 

are you disputing the debt?

 

or just looking to reclaim the PPI?

 

dx

 

 

i am wanting to dispute the debt?

the total amount owing is over £10,000 ,and with just being made redundent and a lack of work available around here i can not see anyway i am going to pay this any time soon

 

thanks

chris

[dx100uk]

ok

well lets just burst one bubble for you...

 

if you are looking down the route of:

there is a 'fault' in my agreement, so it makes it unenforceable

- like all this rubbish these reclaim co's sprout,

then sadly, it's something of a myth.

 

even if the cca was faulty in someway, the debt still exists and wont be 'magically' written off.

 

now, thats out the way. you mention PPI.

 

HFC have been very heavily fined in the past [to the tune of +£1M] for 'mis-selling' PPI to 100'000's of customers.

 

its quite an easy task, and you'll get interest back on what you have already paidout in PPI premiums too.

 

can i suggest you pop along to the PPI forum.

 

at the top of that you'll find things called stickys.

 

there you will see things like:

notes for claimants.

amongst other useful threads

you'll also see threads where others have reclaimed from various co's too.

 

have a read around, and work out the basics of what you have to do to start the ball rolling on a mis-selling claim.

 

dx

[topv6]

hi been registered on here for a while and am very grateful for all the help and advise i have read

 

i need your help with lowell/hfc/hsbc loan

 

the loan was taken out in 2003 and i was paying it until 04 when my daughter was born and was then unable to make the payments

 

2005 i started to make token payments to the debt company that took over hfc until 2009

when i could no longer continue the payments

 

since then i have had dozens of letters from different company's and until this year i have been ignoring them

 

January this year lowell started sending me letters

so i sent them a cca a month later i got a letter saying they are still looking in to it

 

then feb and march i got the standard letters from them saying they want payment again

 

so march i sent a formal complaint / account in dispute which they acknowledged the letter 15 days later

 

may they said they are still investigating and will let me know no later that 8 weeks from the date of complaint

 

1 day before there time limit for dealing with the complaint they sent a letter saying there investigation is taking longer than expected and they will respond as soon as possible

 

that brings us to today

 

i received a letter showing the dates they sent letters and me replying to them

but also says that they did fulfill the requirements and sent me a copy of the original agreement (i never received anything)

 

they also outlined the outstanding balance and when payments where made and when it defaulted

 

they included a copy of the agreement this is readable and signed but not dated for the signatures other than a date wrote in a blank space near the top

 

the same as above for the ppi loan that i need to deal with separately as i can not remember ever being told about this

 

there are terms on separate sheets but these are not readable at all

 

they included a payment statement which shows my last payment that i was aware of as may 2009 but also shows a payment of £1 for June 2010 which i can only think was a cca or sar request i had made as i have checked my bank and can not find anything regarding this

 

i would be grateful of any advise you can give

thank you

[dx100uk]

old and new threads merged

 

did you ever send of the sar to HFC?

 

dx

[topv6]

hi its been a very long couple of years but im 99% sure that i did , but never got any reply

all the letters and calls stopped so i put this to the back of my mind untill the start of this year

[dx100uk]

ok take two...

 

have you got all the statements and the agreement from HFC

[topv6]

yes i received a copy of the agreements and statements this morning

the agreements are headed HFC

the statements are headed HSBC

all showing the same account number

thanks

[dx100uk]

ok well if you want help with whats going on

and p'haps PPI reclaiming?

 

scan them up please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

dx

[topv6]

[ATTACH=CONFIG]51949[/ATTACH]hopefully this works

[dx100uk]

asu at £17.95 PCM to reclaim

treat it as PPI

 

see link 1 below

spreadsheet is at the end

 

lots of return DD fees

use this spread

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

put the loan APR in cell D15

 

dx