hfc ppi from 2002

[scaredpassenger]

hello, this is my first post here, so there will probably be mistakes along the way but I'll try my best.

 

I recently sent a SAR to hfc, this was replied to by them on 17/08/12 but not actually franked by them till the 22/08/12

and was received by myself today (my letter was dated and sent on the 10/08/12 and was signed for by them the next day.

 

the letter says they need proof of my identity in form of copy of driving licence or passport,

they also returned my £10 cheque and said once they have received a resubmitted claim with the extra info,

their 40 days will start, is this right??

 

I no longer live at the address that I lived at when I had the loans with them

(1 to pay off another of their loans by the looks of things)

and I believe this is why I will probably have to supply them with the above, again, is this why??

 

they also put a line in that said "details of any account which has been closed over six years may no longer be held on our systems"

 

I do have some paper work with relation to my loans that I had,

but only found it last week, after I was given some personal belongings my mum found in her loft,

unfortunately it isnt a great deal of paper work, though

 

I can tell that i had what appears to be two loans, the second paying off the first, with ppi on both,

and also health and life insurance on the second loan, it was a four year loan,

which I paid off after only 6 months as my mum was horrified when she saw the 31%apr and £28.48 a month ppi payments!

 

I am going to continue to pursue these people as even my mum can remember how horrible they were to deal with,

and I remember being told that if I didn't take all the extras with the loan I wouldn't get the loan approved, ahhhh to be young and naive again!!

 

that's all I can think of for now!

 

i will post up my loan details if anyone thinks that would help?

 

thanks

 

Tony

[dx100uk]

typical HFC MO and reply

 

 

you were fleeced blind as were 100'000's people by them.

 

just resend the SAR & the Payment.

 

aong with a current util bill

and a list of old addreses.

 

dx

[scaredpassenger]

hi I don't have any utility bills as I was made bankrupt in 2007, I was discharged in may 2008, since then I've been strangely debt free lol, (this debt was paid in full by me, long before I went bankrupt!)

 

I will list every single one of my previous address for the last ten years!

 

thanks

[dx100uk]

i think you only need the ones associated to the accounts time

 

you MUST have say a CTAX bill with you name or something 'offcial' to send them.

 

ref your current address

 

 

dx

[scaredpassenger]

nope, ctax bill is in the name of my wife, I have 0 bills!

the only official things I do have with this address are my driving licence, passport and bank letters?!

[dx100uk]

bank letter will do

 

dx

[scaredpassenger]

ok, will get it sent recorded again when the post office opens later!

 

thanks