HFC Bank no longer exists. The UK subprime lender was fully absorbed by HSBC in 2013, and all accounts were transferred to HSBC UK Bank plc. HFC Bank was fined over £1 million for PPI mis-selling before it closed – they sold PPI with 75% of all loans. If you’re looking for an old HFC Bank account, legacy loan payments, or PPI claims, you’ll need to contact HSBC.
⚠️ Bank Status: Permanently Closed
🔴 Absorbed by HSBC (2013)
HFC Bank was fully absorbed into HSBC in 2013. All remaining accounts were transferred to HSBC UK Bank plc. There is no HFC Bank login, website, or customer service – everything goes through HSBC now.
🔴 £1M+ PPI Fine
The FSA fined HFC Bank £1,085,000 for PPI mis-selling. Between 2005-2007, they sold PPI with 75% of all loans – that’s 163,000 PPI policies, many to vulnerable customers who didn’t understand what they were buying.
Timeline: What Happened to HFC Bank
- Acquired by HSBC Holdings – HFC became part of the HSBC group
- 2009: HSBC announced HFC Bank would cease new lending, closing 100 UK branches and making 450 staff redundant
- February 28, 2013: Part of the secured loan portfolio sold to Sancopia Portfolios No 1 SARL
- 2013: All remaining accounts transferred from HFC Bank Limited to HSBC Bank plc (now HSBC UK Bank plc)
How to Access Your Former HFC Bank Account
📧 Legacy Account Queries
For questions about old HFC Bank accounts:
- Email: [email protected]
- Include account details and reference numbers
- Covers charging orders and account queries
💳 Credit Card Payments
If you still have HFC credit card debt:
- Sort Code: 40-11-62
- Account: 80001112
- Reference: Your Credit Card number
🏦 HSBC HFC Page
Official information hub:
- hsbc.co.uk/hfc-bank
- Payment options and contact info
- Links to PPI claims process
⚠️ HFC Bank PPI Scandal
FSA Fine: £1,085,000
The Financial Services Authority fined HFC Bank over £1 million for failing to ensure PPI advice was suitable and for inadequate systems and controls. Between January 2005 and May 2007, HFC sold PPI with 75% of all loans – that’s 163,000 PPI policies, including 124,000 single premium policies with unsecured loans.
The customers most affected were those with limited access to mainstream finance – people who may not have understood what they were buying or whether it suited their situation.
Can You Still Make a PPI Claim?
🟡 Official Deadline Passed
The FCA set a deadline of 29 August 2019 for PPI complaints. If you didn’t complain before this date, companies generally will not review claims. There was a nationwide awareness campaign leading up to the deadline.
✅ Exceptional Circumstances
HSBC will still consider PPI complaints if “exceptional circumstances” prevented you from complaining before the deadline. If you believe this applies to you, contact HSBC’s PPI team on 0800 085 2451.
⚠️ Sold Loan Portfolio Warning
Some HFC loans were sold to third parties. On February 28, 2013, part of HFC’s secured loan portfolio was sold to Sancopia Portfolios No 1 SARL. If your loan was included in this sale, contact Sancopia (or the current debt holder) rather than HSBC. Check your correspondence to see who is currently managing your account.
Contact Information
Website: hsbc.co.uk/hfc-bank
PPI Page: hsbc.co.uk/help/payment-protection-insurance
Write to: HSBC, PPI Complaints, PO Box 5055, Coventry, CV3 9FB
FAQ
Where is the HFC Bank login page?
There is no HFC Bank login page. HFC Bank was fully absorbed by HSBC in 2013 and no longer exists. All accounts were transferred to HSBC UK Bank plc. For legacy account queries, email [email protected].
What happened to HFC Bank UK?
HFC Bank was acquired by HSBC, stopped new lending in 2009, closed 100 branches, and by 2013 all remaining accounts were transferred to HSBC UK Bank plc. Part of the loan portfolio was sold to Sancopia Portfolios.
Can I still claim PPI from HFC Bank?
The official PPI deadline was August 29, 2019. However, HSBC will consider claims after the deadline if ‘exceptional circumstances’ prevented you from complaining earlier. Contact 0800 085 2451 to discuss your situation.
How do I pay my HFC Bank credit card?
Pay using sort code 40-11-62 and account number 80001112, quoting your credit card number as the reference. You can pay via online banking, BACS, or cheque.
Why was HFC Bank fined?
The FSA fined HFC Bank £1,085,000 for PPI mis-selling. Between 2005-2007, HFC sold PPI with 75% of all loans (163,000 policies), often to customers who didn’t understand what they were buying or whether it suited their needs.
Who owns my HFC Bank loan now?
If your loan wasn’t sold to Sancopia Portfolios in 2013, it’s now managed by HSBC UK Bank plc. Check your recent correspondence to confirm who currently holds your debt. For HSBC queries, email [email protected].
What was HFC Bank?
HFC Bank was a UK consumer finance company specializing in loans for customers with limited access to mainstream credit – essentially a subprime lender. They also traded as ‘Household Bank’ and ‘Beneficial Finance.’
Who is Sancopia Portfolios?
Sancopia Portfolios No 1 SARL purchased part of HFC’s secured loan portfolio on February 28, 2013. If your loan was sold to them, contact Sancopia (or the current debt holder) rather than HSBC for account queries.
How do I contact HSBC about an HFC account?
Email [email protected] with your account details and reference numbers. For PPI claims, call 0800 085 2451 or write to HSBC, PPI Complaints, PO Box 5055, Coventry, CV3 9FB.
Can I access old HFC Bank statements?
Contact HSBC via [email protected] to request historical account information. They maintain records of former HFC Bank accounts. Include as much account information as you have to help them locate your records.
Related UK Bank Guides
Other UK banks and building societies:
- HSBC UK – Now manages all HFC Bank accounts
- Nationwide Building Society
- Barclays UK
- Lloyds Bank
- NatWest
Last Updated on December 18, 2025
URL: https://log-in.me/hfcbank-windsor-unitedkingdom/