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  • #1

    HFC

    Had call from the Ombudsman today...
    They told me i had no grounds for complaint re. HFC not providing me with a credit agreement.
    Ok, i accept that...but then this self righteous t***** tried to lecture me on debt avoidance...

    I made the point that i am repaying every creditor that has provided me with an agreement, and i needed something from HFC to find out what we signed up for.

    IN THE END I TOLD THEM TO STUFF IT!!!
    Steve
    Tags: advice, avoidance, banks, cca, credit, credit agreement, creditor, debt, fos, hfc, letting, mat, ombudsman, personal, recall, repaying, solicitors
  • #2
    Re: HFC

    Originally posted by stuff the banks View Post
    Had call from the Ombudsman today...
    They told me i had no grounds for complaint re. HFC not providing me with a credit agreement.
    Ok, i accept that...but then this self righteous t***** tried to lecture me on debt avoidance...

    I made the point that i am repaying every creditor that has provided me with an agreement, and i needed something from HFC to find out what we signed up for.

    IN THE END I TOLD THEM TO STUFF IT!!!

    I would put in a formal complaint, that the Ombudsman had spoken to you outside his/her remit and that it showed basis and lack of netural position in this matter.

    Comment

    • #3
      Re: HFC

      Stuff it - did they?
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #4
        Re: HFC

        Originally posted by stuff the banks View Post
        Had call from the Ombudsman today...
        They told me i had no grounds for complaint re. HFC not providing me with a credit agreement.
        Ok, i accept that...but then this self righteous t***** tried to lecture me on debt avoidance...

        I made the point that i am repaying every creditor that has provided me with an agreement, and i needed something from HFC to find out what we signed up for.

        IN THE END I TOLD THEM TO STUFF IT!!!
        Originally posted by mgfboy View Post
        I would put in a formal complaint, that the Ombudsman had spoken to you outside his/her remit and that it showed basis and lack of netural position in this matter.
        I remember putting in a complaint to FOS regards HFC regarding a credit agreement (amongst other things)

        I recall that they asnwered most of my complaint, but with regards to CCA said it was not something they could comment on in detail, as it was outside of their remit, but they could see sense in the arguments I had raised, and directed me to seek advice form "specialist solicitors"

        I would agree with mgfboy, CCA is outside of their remit, and they shouldnt be giving an opinion on the matter. I would further complain that they have labelled you a debt dodger - even if you were not paying, they do not have the right to their personal opinion when giving a reponse in a professional capacity.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: HFC

          outside their remit as without seeing an actual CCA1974 in question they could not answer, but of course it is a matter for a judge, = gobblygook
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: HFC

            Cheers guys....
            On this occasion i am letting it go.
            I will give HFC a far tougher ride than some jumped up tosser from the FOS...

            Thanks for your input everyone..
            Steve

            Comment

            • #7
              Re: HFC

              Originally posted by stuff the banks View Post
              I will give HFC a far tougher ride than some jumped up tosser from the FOS...
              .
              I managed to do so!!
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: HFC

                Originally posted by stuff the banks View Post
                Cheers guys....
                On this occasion i am letting it go.
                I will give HFC a far tougher ride than some jumped up tosser from the FOS...

                Thanks for your input everyone..
                Still put in a complaint to those wankers, you never know if enough do it, it might make a difference and we might actual get some netural ombudsman.

                Also very impressed you got to talk to one , mind wouldn't speak to me!!!!

                Comment

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