ppi refund from hfc

[myfairlady]

This my second post as it seems my last one went amiss, been a while

could any one advise

 

Claimed a ppi refund

 

my husband took a personal loan a few years ago with HFC bank ,

 

he paying the loan after about a year had financial diificulties

so it went to ccj (pass six years on )

and went to third party debt collector

 

please could you advise ,

 

as he is still paying it off

 

if the ppi refund will go to third party dca or go straight to my husabnd.

 

I had a small debt that had gone to dca but i had a ppi refund straight back to me.

[dx100uk]

if the debt has been sold

then the refund goes to his pocket.

 

however.

 

can you just outline the present situation again...

 

WHO took him to court?

 

only the claimant can receive payment for a CCJ judgement

 

if you are paying anyone else

 

then unless it went back to court and the DCA's name has been added to the CCJ,

 

thats not on.

 

tell us the story

 

dx

[myfairlady]

Hi dx

HFC took the ccj out on my husband but has long gone ,

then was sold on to BOS at a payment plan .

 

Recieved a letter of an offer of the ppi from HFC they want my husbands banks details via post but we wont send because of security .

 

So if that the case can we request a cheque from them as it should go to my husband ?

Thank you

[dx100uk]

you can request a cheque

but i'd not pes be bothered if they have my sort/account number to do a bacs

 

dx

[myfairlady]

This debt is over 17 years and the ccj was put on 15 years ago

 

the debt has been bounce around from differnt DCA

 

i have seeked legal advise and they say my husband is entitled to the PPi rfund direct to me

not to the os balance

 

but i only have paper work form 2004 from Westcot just a bit worried in case they send a Restons letter again after 15 years ........

 

x

[dx100uk]

15yrs old ccj!

 

and you say its been passed around and now he is paying who?

 

something smells here.

 

he should only ever be paying the claimant on the ccj

 

restons can do nothing more, only one ccj per debt

 

dx

[myfairlady]

It smells alright

 

Restons done us over at the time and put a ccj on the debt we had with HFC

 

it was a 4k loan but the ppi was at least 2k !

 

he paid the debt over a year but lost his job

 

we had problem with the debt also

 

at the time we sought help with a debt mangement company

another big mistake that was

 

why he ccj against him very bad situation very messy

 

but as i say it was bounce around but suill paying the same amount .

 

i will have to dig out more paperwork x