HFS Loans Ltd Reviews

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HFS Loans Ltd
1.3 stars
Average rating for this product is: 1.3 out of 5

From 0 ratings and 9 reviews

Thumb down 22% of users recommend this product

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NameCredit RatingAPRTypical APRMin Loan AmountMax Loan AmountHome Owner  
Alliance & LeicesterGood8.00%8.00%£7,500.00£14,950.00No
Sainsbury's LoansGood8.00%8.00%£7,500.00£15,000.00No
Nationwide LoansBad7.90%7.90%£7,500.00£14,999.00No

Average Ratings for HFS Loans Ltd

  • Speed of Application5 stars
  • Customer Service3 stars
  • Value for Money1.2 stars
  • Overall rating1.3 stars

9 Reviews For HFS Loans Ltd

  • Guest 27th Aug 2009

    Reviewer rating: 1 stars


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    Applied for a loan from picture loans in july 06. I was waiting for a cheque to arrive for over £3.000.00 .I thought not claiming for ill health payments. I had a long wait as hsf loans who the insurance is from do not pay out if you go into arrears over 2 months. Read the small print as there is always a catch with these goody goody companies.

  • drussell Rank: Sergeant 20th Dec 2006

    Reviewer rating: 5 stars


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    I took out a 5 year loan with them on the basis of the Interest Back Bonus Scheme in December 2001. I assumed that with such a system there would be many 'banana skins' along the way, which may have prevented payout. On this basis I carefully read the HFS Loans conditions over and over again, using a highlight pen to pick out the potential 'banana skins'. Having digested the conditions. I duly followed the instructions, registered and received the required certificate. This, and other paperwork ...

  • chessman Rank: Lance Corporal 12th Sep 2006

    Reviewer rating: 0 stars


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    At the time I took the loan out with HFS (now Capital One) home owner loans, they were offering customers all the interest paid back at the end of the term of the loan, subject to conditions being kept by the borrower.

    At the time I was made aware that no more than 2 repayments must not be late and that you had to claim the interest back within 21 days of the loan ending. My loan ended in September 2006. I rang Capital One to enquire regarding claiming my interest back on the loan. They aske ...

  • Yelrab 23rd Feb 2006

    Reviewer rating: 0.5 stars


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    HFS Loans said they sent their Interest Back registration by recorded delivery, and it should have been guaranteed delivery.

  • HFSarecrooks Rank: Lance Corporal 30th Oct 2005

    Reviewer rating: 0 stars


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    HFS cash back loan:

    I never knew I had to complete a registration form until my 5 years were nearly up, and I wanted to claim back my interest.
    This is very misleading. I received a letter from HFS congratulating me on completing the loan. If it's completed, I assume no further action needs to take place? If further action is required i.e fill out the registration document, they don't mention it in the letter !!. However I did receive a registration form (only pointed out to me last week). ...

  • Alan Manser 25th Oct 2005

    Reviewer rating: 0 stars


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    I too have been caught out by the small print used in this HFS Loans Ltd scheme. I missed the bit about a registration form in amongst the 12 pages of A4 small print and especially the bit that put the onus on the borrower to notify HFS if the registration form wasn't received. This was amongst the 21 points that HFS had to delete or amend after The Office of Fair Trading had finished with them (see OFT bulletins 21 and 22, unfair terms and conditions).

    Not surprisingly then they soon cease ...

  • cblacoe 14th Sep 2005

    Reviewer rating: 5 stars


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    HFS are now part of Capital One and are a BROKER not a lender......... They do not charge up-front-fees. Any fees are added to the loan.

  • mrs angela page Rank: Lance Corporal 3rd Nov 2004

    Reviewer rating: 0 stars


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    HFS Loans Ltd - HFS Interest Back loan promotion.
    Have you got one?
    Have you been able to claim your money back?
    How many people have been unable to claim back?

  • anantghelani2 Rank: Sergeant 15th Sep 2004

    Reviewer rating: 0 stars


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    I saw a question on this site for HFS Loans Ltd Interest Back Offer from the site-registered member. As I am having difficulty claiming my Interest back from HFS and as they can not find my registration, I wonder if others are having similar difficulties with HFS offer. They are asking me now to prove that I had registered by producing a proof of posting or registered post proof. It appears that their registration site has been relocated several times and have lost the registration form. As ...

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