HFC BANK Re:- Charges and DN.

[twoman]

Hi Caggers,

Quick question,

Can HFC default you on account that they have already defaulted you on and can they charge you £16.00 for the pleasure of issuing a DN.

[twoman]

TWOMAN SAYS HELLO TO 2 GUESTS

[payback68]

Hi, NO they can't and if they do report them to the ICO!.

 

Regards

PB68

[twoman]

Is that no to both or just DN.

 

cheers twoman.

[Tingy]

No they cannot default you twice for the same debt, and yes they can charge!

[twoman]

Hi Tingy,

So if they can not issue a second DN on the account they can not charge £16.00.!

[Tingy]

Correct - they can charge for the first DN, but are not allowed to default the same account twice - if you think about it, how can they? It's already in default - they put it there! Spend your £16 wisely! lol

[twoman]

Hi Tingy,

They first defaulted the account in the August 2009 and have been paying ex amount but stopped paying because credit file said one amount and Restons were claiming another so refused to pay and requested information.

Only owe £125 now but £102 is adminstration charges,so they say and unless i pay they will default me....muppets.!!

How do i start the process of reclaiming unfair charges from them?

[Tingy]

If you look in the ppi thread, I've just posted exactly that question. Sorry I haven't got a clue! lol

[dx100uk]

moved to the HFC forum

 

dx

siteteam

[dx100uk]

you need to be clear here

 

hfc are very clever [well no - they are crafty]

 

i bet the letters say default SUM notice?

 

if they do say Default Notice and you have two of them

AND

you have not between the two, broken a new 'payment aggreement' with them,

then go get 'em

 

go get 'em anyhow BTW:

 

ALL unlawful charges can be reclaimed at THEIR int rate !!

 

and look out of mis-sold 'compulsory' PPI

 

dx

[twoman]

DX,

Attached is the letter recieved from HFC.

[dx100uk]

i'd put in a reclaim for all the unlawful charges and ppi?

 

if you've not got the statement history sar them first

 

dx

[twoman]

DX,

I S.A.R HFC and they replied saying they wanted passport etc and signature etc.

Sent them letter saying no way as you have communicated with me before there is no reason why you an not supply the information i have requested.

Received a letter today from RW demanding payment (£125.00) within 10 days blah, blah or else (court).

[Tingy]

DX,

I S.A.R HFC and they replied saying they wanted passport etc and signature etc.

Sent them letter saying no way as you have communicated with me before there is no reason why you an not supply the information i have requested.

Received a letter today from RW demanding payment (£125.00) within 10 days blah, blah or else (court).

 

 

They are entitled to satisfy themselves as to your identity. However, a couple of utility bills or similar will suffice.

 

If you want to do anything with RW, write and tell them the account is in dispute with the OC at present so they shouldn'tt be collecting on it. Personally I'd totally ignore the letter. They can't take you to court as they don't own the debt. The OC isn't going to take you to court while you're in the middle of getting an SAR and so are obviously being proactive in trying to resolve the debt - the judge would look very unfavourably on them wasting their time.

[twoman]

Hi Tingy,

Thanks for your response.

Surely they have satisfied themselves with the numerous letters they have sent me and my replies to those letters.?

[twoman]

Tingy,

I am not disputing the debt and were paying Restons upto Nov then thay passed it back to HFC.It was only after a letter saying about admin charges i decided to SAR them and now all of a sudden they want proof of who i am?...friggin idiots.

I really want to nail these barstewards for everything i can get and to report them to who?

[Tingy]

Tingy,

I am not disputing the debt and were paying Restons upto Nov then thay passed it back to HFC.It was only after a letter saying about admin charges i decided to SAR them and now all of a sudden they want proof of who i am?...friggin idiots.

I really want to nail these barstewards for everything i can get and to report them to who?

 

OK, but unfortunately, or more irritatingly for you, they are still perfectly entitled to satisfy themselves as to your identity if you have sent an SAR. You cannot report them for doing this,they are quite within their rights, however annoying it is for you. Go outside and kick something - you might feel better!

[twoman]

[Tingy]

:lol::lol:

[twoman]

Hi Caggers,

Eventually agreed to sign letter requesting sar...put a BIG line through signature and posted request on the 30th March 2011(have proof).

Have checked with post office and they cashed the £10 PO on 12th April..so today i was expecting the info from HFC (40 DAYS UP) or am i mis-calculating the 40 days.

If i am right what is the next step for me.

[dx100uk]

40 calendar days from cashing date

 

but with HFC its hope and prey anyhow.

 

i would think they are very busy at present running around shredding anything over 6yrs old to stop hundreds of thousands of reclaims.

 

dx

[twoman]

Hi DX,

So it's not 40days from receiving date

[Tingy]

It is 40 days from receipt (see DPA Section 7 Subsection 10), but it is almost irrelevant. Most people accept a bit of leaway as it can be a mammoth task to put together. Also, if they choose not to supply it, you can only force them to comply by pursuing them through the courts.

[twoman]

Hi Tingy,

So are you saying that they can totaly ignore my sar request even though i've paid the £10 and given them 40 days and if they do ignore the only way i can get it is by taking them to court.