HSBC/HFC/endeavour ppi thru dial4aloan - off to court

[Baz1994]

id be sending an sar to welcome finance.

 

 

dx

 

on past experience it is usually passed to Dial4ALoan Ltd c/o Welcome on the next desk

[Baba02]

Hi

 

I have tried all ways to get my Ppi back.

It was sold by dial4 a loan broker in 2002. So before 2005.

 

It was grisly mid sold and now want to go to small claims to get my money back.

 

How do I do this as I have set out my claim online.

 

All guidance very welcome.

 

It was a secured loan on 11.9 % apr however I think it has to be 8% ?

 

Thanks everyone x

[dx100uk]

you should make new threads in the relevant forum to your issue

not always start threads in the Q&A section of this websites design

 

 

so PPI forum for this one please

AFAIK there was no link between dial4aloan and HFC

dial4aloan were welcome finance

[Baba02]

Hello dx100

 

Apologies I am not too computer savvy. How do I do that?

 

I am now going to the small claims court.

 

 

All help welcome. I have no other choice as exhausted all options.

 

Thanks everyone

[dx100uk]

now merged to your existing thread

 

 

I see I've said twice now and you've not responded

or realised...

there is no link between HFC and dial4aloan.

you've either mixed up names

or you have 2 agreements and 2 PPI reclaims

one with HFC

one with welcome finance.

 

 

dx

[Baba02]

Hi dx100

 

Dial4aloan were the broker who sold the loan by a Leander called endeavour finance is HFC the Ppi was via what was Hamilton insurance. The document was pre ticked with a single policy for £1240 to last 5 years of a 8 year old loan. I believe welcome squired dial4aloan in 2006

 

All help welcome. X

[Baz1994]

Hi

 

I have tried all ways to get my Ppi back.

It was sold by dial4 a loan broker in 2002. So before 2005.

 

 

It was grisly mid sold and now want to go to small claims to get my money back.

 

 

How do I do this as I have set out my claim online.

 

 

All guidance very welcome.

 

 

It was a secured loan on 11.9 % apr however I think it has to be 8% ?

 

Thanks everyone x

 

Did you send SAR to Dial4ALoan / Welcome ?

 

Do you have edited agreement details that you can post up ?

 

Will have a look if you can post details.

[dx100uk]

upload

 

put everything in multipage word doc after redacting

then file save as .pdf

and attach.

 

read the guide

[Baba02]

Hello

Myers have SAR from HSBC and dial for a loan.

 

All the same information except HSBC has on their docs no Ppi.

 

Which is odd considering it was sold by their sister company Hamilton insurance .

 

Have all the information I need.

 

FOS was no help and sovcourtvis my next step.

 

Dial4aloan say it's now statute barred which is of course crap.

 

They are adamant it's too late but have confirmed in a letter they sold and recommended the Ppi.

 

Thanks

[Baz1994]

Hi Baba02,

 

Did you send a Subject Access Request to Welcome Finance ?

 

Or did you receive any details referring to Welcome amongst your Dial4aloan info ?

 

Did you receive copies of agreements ? If so could you kindly post-up redacted details.

 

Cheers

[dx100uk]

you're in Scotland?

[Baba02]

Hi

 

Yes I did SAR dial4loan. I am still waiting for hsbc. They seem to be wanting confirmation via birth cert etc. Even though they already have it as the FOS sent them it. And they accepted it! Just dithering about

 

Thanks

[Baz1994]

So no agreement details then ?

[Baba02]

Hi

I have now gone down the county court route to get my money back.

 

I have today received a letter from their solicitors.

 

Advising me they intend to defend.

They have asked me for an extension.

Why I will of course deny.

Any advice welcome

[Baba02]

hello everyone

 

I have had the run around, and have now taken these clowns to small claims for my Ppi .

 

Despite the avalanche of evidence.

 

I have received a letter from DLA Piper solicitors. Informing me they intend to defend the case.

Which I expected.

 

They have also asked for a further extension.

Which I will of course deny.

They have had more than enough time, no more delays will be tolerated.

 

What should my next step be

 

Thanks all

[dx100uk]

threads merged

[Baba02]

Hi DX

 

It is in relation to Ppi on a secured loan sold by Dial4aloan.

 

They have refused to refund.

So have prepared my case in the last year.

 

I think they are assuming a solicitor defending the case makes a difference.

A mis sell is a mis sell, as simple as that.

 

I am going to write my response to the letter they have sent.

 

I am not prepared to give them extra time.

Do I have to phrase this in a particular way.

 

Should I outline the points of my reasons why I think the court will rule in my favour also?

All advice appreciated

[dx100uk]

Why bother writing at all?

 

You've no need if you file a claim

 

Just one point to bear in mind

 

You have already stated they have told you its sb'd

The fos have agree too

 

Can't see you winning this sadly

 

Many firms now are pulling this SB rule now

 

And sadly the FCA guidance suggests they are correct

[Baba02]

Hi DX

 

I never knew I had the Ppi until 2014 and feel nothing ventured nothing gained. I have a solid case. Was in the debating society at uni and can hold my own calmly in any court.

 

The £185 is money well spent as it gives closure to the enter sordid affair.

 

X

[maroondevo52]

Best of luck with your claim Baba02,

 

Most of my claims were 'statute barred' according to the lenders, still all paid out before going to court.

It may have changed in the past few years but I'd reckon it's worth a punt.

[dx100uk]

whilst you are back on CAG

could you please update what happen on this thread??