HFC Bank plc

...received a phone call from HFC and they were basically offering me a loan for £1750, I was so tempted to take it but that's not the point. I was told that if I were to settle the payments for my laptop I would not have to pay the interest meaning that I only had to pay around £700 and have £1000 for my self. The man on the phone was the best salesman I have ever come across and that is because he was nothing like a salesman, he seemed more of a friend ...
...HFC I have always been in touch with what is happening, I have always had the paperwork for anything to do with my account, I have always had phone calls to assure that I will be able to pay this months bill and if I couldn't make this months date would I like to make a double payment next month or just move the date by a day or two. I do feel that this could be special treatment at the minute because they new that I was unemployed and I did have ...

ROCKYRICARDO 15.10.2005 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

A few years ago I bought a stereo & speakers for my car. I was offered an interest free credit agreement through HFC, which seemed acceptable at the time, & so started paying the minimum £20 a month. However I wasn't told just how high the interest rate was after the 6mnths (I know, I know, I should have asked) & so after 2yrs of paying over 27%, I eventually found myself with just one payment left. I then received a call from my local branch (which ...
...a flexible loan at a 'special' introductory rate of 14% for 6mnths. This was actually a good offer, as I used it to pay of my other store cards, which had double the interest. My total loan was just over £1800. Later that week I received my paperwork, which indicated I had a credit limit of £2000. 'Huh, where did that come from' I thought, at no point in the meeting was I made aware of this actually being an account. As far as I was aware it was ...

mattshaw4 01.04.2004 (07.09.2004) · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...into the local branch of HFC the monday following and explained the reason for my cancelled direct debit and saying I wanted to pay the missed payment and set up a new mandate. The young woman I spoke to asked if I was interested in reducing the intrest rate on this load as I was on the high rate offered by the retail finance. An appointment was made for the next morning. When I arrived I was made very welcome given a coffee ect. After discussing ...
...only my lap top but my outstanding car finance which due to my husbands past credit problems was on a very high interest rate. The result was I walked out 90 minutes later with a cheque to settle my car finance, my lap top on a lower rate and cash (my fridge freezer having broken down the night before) for £2 a month less than I was paying before over the same period of time. I was also offered a credit card. I wasn't pressured into anything I didn't ...

tarara 13.03.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...received a phone call from HFC bank. I had bought a computer on hp and the 6mths interest free credit had run out. HFC were offering me a loan to pay off the computer and also pay off my credit card. They asked me to come into the branch for a meeting. Very bewildered I went in the next day. I went in taking with me payslips from the last 6mths. At the time I was working two part-time jobs. They accepted me for a loan for £1500, a loan that they ...
...too easy. They also encouraged me to take out a 5yr life insurance policy. Then they hit me with it, after everything was signed I found out that the interest rate I was paying was 27.9% !! What!! I had that loan for a couple of years not strong willed enough to not take money out anytime it was someones birthday or I was going on holiday. The interest I paid ate up my monthly payments and at the time I couldn't afford to pay off any more. The ...

soozanne 14.12.2002 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...said they'd give me loan. HFC suddenly said they'd kindly reduce APR from 25.9. My bank then didn't give loan. On hearing this HFC amazingly couldn't reduce rate anymore. I had to seek debt payment plan. All other creditors froze interest. HFC doubled £9,997 I owed them. Yes it's my fault I'm in debt etc but this is nigh on theft. Debt chasers call unaware of agreement at all hours. Obviously the one you give details too in day shift doesnt change ...

olivercardy 21.07.2008 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...a few credit agreements with HFC and thought that their interest rates were quite high. But i phoned them today for a personal loan and they were most helpful, they took all my details over the phone and explained different options to me. They also offered me a 2% discout because i'm an existing customer. In fact their rates are about the same as natwest which surprised me. Anyway it's nice for me to write something positive for a change, they are ...

sarahpervin 13.02.2001 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...account in full (second agreement), HFC have entered onto my credit record with Experian that I have not made payments to my account (first agreement) and that I have subsequently ‘gone away’ from my address! This hasn’t stopped their advisors making unsolicited phone calls offering more credit DUE TO MY GOOD STANDING WITH THEM! Upshot of this is that HFC can go to hell if they think that I am going to pay them a penny and that if they don’t retract ...

Stapled 30.03.2004 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...figure and sort code of HFC bank. I never got the letter so I phoned up and got it on phone - problem was 1 digit was wrong in sort code (misheard or misread, cant be sure). I made payment online and thought no more about it until July when they start demanding money, interest, late paymnets etc. I explain that I paid, they say I havent, I contact my bank and find money is sat in someone else's a/c cos of sortcode error. They are now demading 9 months ...

willbones 31.07.2007 · Read full review
Ciao members have rated this review on average: helpful
Review of HFC Bank plc

...credit, which was supplied by HFC Bank. We repaid the loan early, and encountered some problems doing so, but after that, started receiving phonecalls from them as they tried to talk us into signing up for additional services from them. After the first few calls, we told the bank representatives that we were not interested in any other services, so they were told to stop phoning and to remove us from their lists. Guess what, they still phone.... ...

Lyn734 10.11.2000 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of HFC Bank plc

I bought an electrical appliance from a well known high street store. It was an impulse thing and I didn't have the money at the time so I signed a form to pay it off over six months interest free or four years with a hefty interest rate. I paid the first two months and decided to write them a cheque for the balance. I just phoned up, they sent me a settlement statement and I popped my cheque in the post. Their customer service person was very ...

barrycraig 18.08.2000 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of HFC Bank plc

...haven't heard anything from the HFC bank other than the initial introduction letter and offers of further loans. They said they'd sent a letter allowing me to pay off the loan before incurring interest charges but I never received this. Since then I have had approximately three verbal communications with customer services requesting an update of my account so I could pay off the balance but still have not received anything through the post. After ...
...debit of approximately £9 I still owe £140 with nothing being sent to me (i.e., account number and reference number or paying in slip) to allow me to pay it off at my local bank after repetitive requests. I'm in the process of writing to the manager now! Not the sort of customer service I would classify as being acceptable The interest rate is 2.18% per month or 29.5% APR. The loan was obtained through the Dixons store while trying to purchase ...

stroppypsycho 14.08.2003 (21.08.2003) · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of HFC Bank plc