HFC contacts needed in UK **** RESOLVED ****

[MartLondon]

I had a loan of £18000 from HFC bank over 7 years ago I then lost my job got made redundant i talked to them about this and have a written agreement to pay a certain amount every month with no interest or charges this has never changed, I have recieved nothing else in writing to say interest will be aded to the acount I have paid most of the loan of under the agreement and owe just £2088 which I wanted to pay off today as I have the funds i called the customer service number to get told i now owe £8000 and I am paying interest, can they do this? i cant find any working contact details in the UK it all seems to go through a call center in India.

 

Thanks

 

Mart

[ims21]

Hi

 

Welcome to CAG

 

You really shouldn't be trying to deal with this on the phone.

 

This should all be in writing.

 

Have they not been sending you statements?

 

ims

 

Don't lose that written agreement you have for "no interest" and the agreed payment plan.

[MartLondon]

I have not had a statment for quite a while now i did not think anything of it untill i realised i had enough funds to pay the account and decided to pay it off I will send a letter and a copy of the agreent to them and see what happens.

 

thanks for the welcome

 

Mart

[MartLondon]

Does anyone has an email adress for HFC? the customer service email is no longer live this is the most elusive company i have ever dealt with

 

 

Mart

[ims21]

I meant real mail...it is better IMHO to have a proper paper trail

 

ims

[MartLondon]

I realise you meant Mail but thought email would have been quicker and you still have a paper trail

 

thanks for your input anyway it is apreciated:-D

 

Mart

[ims21]

Have a look here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?31052

 

don't know of its still active though

 

ims

[MartLondon]

Thanks but that email is no longer live got a bounce back message:|

 

Mart

[MartLondon]

Well here is the update I have now sent 2 letters to HFC and no reply to either:-x, is this a waiting game? do I keep repeating myself and send these letters again? I bet if I cancel my standing order I get a letter within a week:wink:.

 

Mart

[MartLondon]

Well here we go again!

 

I have finally recieved a reply from HFC after only 2 letters thats not too bad but the letter was very vague.

 

Loan £18000

Date May 2005

Loan matures 13th january 2013(what does this mean?)

 

* We are unable to find your orignal loan agreement please call customer services if you require more assistance*

 

Now I have be paying £212 per month with no charges/interest if i carry on paying this amount it will amount to £2544 (I have these avaliable funds now to pay this off )does the word mature mean my loan is finnished?

 

 

Thanks

 

Mart

[MartLondon]

Hello All

 

Well here we go, I finaly got a reply from HFC complaints department after the second letter I sent, not only did i get an apology for the wrong information given to me by there automated system I also got an apology for the wrong information given to me by there customer services team, they have agreed that no interest/charges should have been added to the account and I have now recieved the final settlement figure which I have paid in full today:wink:

 

To get to this stage I wrote to the complaints department and got the reply from the following person Sameena Malik Complaints Investigator Central Complaints Department.

I have also found an alternative number to call for you no more 0845 expensive calls I used this number today and it works:whoo:

01344 890000(was 08456023793)

 

this web site might also be helpfull to you guys

saynoto0870

(which I cant post properly because I have only 7 posts)

 

you can do a company search and find alternative numbers to the usual 0845,0870 etc

 

hope this info helps some off you and thanks to those who gave me advice.

 

HFC account now closed:whoo:

 

Mart

[ims21]

Hi and well done

 

Good to hear it is all sorted for you.

 

Have amended thread title to reflect the resolution of this matter

 

Regards

 

ims