HFC PPI Help Please

[myfairlady]

Hi

could i have help on this one with HFC way back in 1997 my husbabd took a loan with ppi , after a year my husband had problems to pay it , made a mistake on going through a debt mangementt co to help but distereous so the loan went through their solicors and ccj ,but the loan has been bumped on to a debt company and paying set amount snice , no other correspdence from HFC since then, until now as I irequest a ppi refud which i found paerwork and they admitted mis selling. The leter from HFC say will not pay direct ppi back to DH because he breach the agreement with them going into arrears those years ago ! what is the situation with HFC i know thay were scruplious and we were niave with this thr is a balalnce still outstanding on the debt but good amount ppi to come back .

simple good advice would be appreciated

thanks

[ims21]

Hi

 

I've created a new thread for you and moved you to the PPI forum.

 

So HFC got a CCJ on this debt.

 

You say this has been bumped onto a debt company....which one? Is it a DCA or a debt management company?

 

If HFC still own the debt then they can set off the PPI refund against the account. If they sold the debt then they can't.

[myfairlady]

Just had a letter from DCA owed by Robinsonway they are now owned by HOIST group ? as i said no corresspondence from HFC until my request of a refund so im in limbo for PPI refund as they wont pay although they admit mis selling ..................

[ims21]

Check your credit file to see who actually owns this debt.

 

Noddle is free

 

https://www.noddle.co.uk/

 

How this PPI refund will be dealt with depends on who owns the debt.

 

As I have said, if HFC still own it then they can set the refund against the balance owing on the account.

 

If another company owns the debt then they cannot.

[myfairlady]

TO ims

 

I will investigate and will let you know thank you .