HFC loans - PPI Re-claim (old)

[stevesouth33]

All,

Drawing on your collective experiences, does anyone have any useful information based on the following scenario.

I had five HFC loans running concurrently through 1996 - 2010, I originally sent a claim in for the most recent one, which they made an offer on. I then sent a claim in for the other four, which they rejected based on them having no records of the loans. I however managed to get (from their customer services team) details of loan value, PPI amount, start and end dates for each loan.

I gave them this further information but they woudl not budge. They then went to the FOS and they have offered redress on the 2nd most recent loan, but refusing to do so with the other three. They cite the fact that their records were purged in 2010, and although they had the information they purged it while the complaint was ongoing.

The adjudicator does not see to be able to do any more but would be useful if anyone has any experience of this type of situation, particulalry where they have been given all the account information.

[di30]

Re: HFC loans - PPI Re-claim (old)

Hiya

I take it you have already tried requested a Subject Access Request (SAR)?

I found with some companies, they directly say they don't hold any details, and yet when SAR'd some details have arrived from older accounts, it may not be all of them though but maybe something just to say there was PPI and the amounts.

[stevesouth33]

Re: HFC loans - PPI Re-claim (old)

thanks for suggesting the obvious that had not even crossed my mind. Sent SAR request off today found a really good template and hopefully their bungling and failure to communicate internally that is evident in all the dealings I have had with HFC may result in someone sending me some stuff that they say they have not got. Here's hoping and the amount of accounts I have had with them may result in a large box, fingers crossed and thanks for reminding me of the basics as you often forget that when you go down the FOS route.

Ta muchness
S

[di30]

Re: HFC loans - PPI Re-claim (old)

Your very welcome Steve, no worries.
------------------------------- merged -------------------------------
Also just to say that HFC use the same CEO as HSBC, when I were dealing with HFC I also communicated by email by having my emails sent to the appropriate dept within HFC and they responded back to me directly.

So in case ever required, the CEO details below.
chiefexecutivehsbcbank@hsbc.com