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�7.72 is massive Buy Opportunity / but beware those HC Annual results Q1. They will cut costs. So beware short term traders. Even @ �7.72 !! Wins are there for a 3 year hold. GLA.

Oh dear. I predicted �8 could be seen again but not like this. FCA etc. My prediction referred to the HC results which will come to light in Q1 2018. So I do see massive potential upside on current price but be prepared for a few bumps next 6 month. Ultimately this means more trading opportunities to est Long Term Hold.

PP1001. I agree with you and hope you are right. I think when we entered the Oil Market we were perhapa a Year too early/ but you have to take Opportunity when it comes and we are Producing with small debt on Balance Sheet. So on reflection we actually got in perfect ! The Mexico debacle for me showed resilience in that if that had have gone wrong then we were dead. We are producing. Sometimes no news is good news for long Term prospect of SP Spike lol.

Another one from Barclays. Peter Crook was also from Barclays UK so I think a good move if he is assigned the task. SP will rise if correct. Now a Strong Buy. We shall see..

PPKing. Cannot see �6 !! No doubt in my mind what is going off at HC is awful and they are not turning it around. How can you when you loose 40% of your Customer Base in 1 year. They have the ability to really modernise that product. Only then will they turn around. They want to see where the bottom is and tbf not far off. Yes fully aware of their ways too. Many retired former employees relying on the golden 4% dividend and stable Share Price. Awful what's happened to them. However I maintain if they hold / the 4% will return within 12 Month and a rising SP back to �16 next 3 year / so their choice.

This Share is killing me. Why am I holding on ? I averaged down and even losses on that. 1p and I am back. That's why / but just feel like it could all be gone. We are kept in the dark. Rising Oil Price had zero effect on us. Just hope SO gets us on right track again. Energy is back and we are well placed but all quiet...

M2P. Don't worry. Do not sell. I cannot see it falling below �8. I think this is the bottom. At some point in next 18 Month this will shoot up to above �10.50. Just hold. Advise to Average down if you can. Some bumps along the way but �8 is the bottom.

Kept telling everyone about HC. It will improve for next year. Big losses now / but by end 2018 small �10M Profit and then �30M / Annum long term. IMO. �8 now presents good value. Buy / but only 40% of your available cash. GLA

Could point Chartist. The Current Big Holders cannot support the SP anymore. They will be reluctant to go over their set 1% this early in the game when Results are not clear. If the dip comes I see this allowing New Fund Managers in and then this shoots up. The HC worse than expected results on Sales will trigger this. That is my take.

Yes. Just because I think �8 is Value / then it may never come. And quite often it never does. If the Fund Managers sell down to their 1% margin then possible. I don't specifically want a downward trend. Just feel it is possible. We all want the upward trend. Easier to buy in when a steady rise.

All my data is correct. Which of it specifically do you disagree ? If you do not like it I can't help you with that. I've stated time after time Long Term this SP is �16 but in the immediate future I feel a lower Buying Price may occur and I have stated my Reasons clearly. I mean you guys don't even know that they put their prices up ? I'm on here to offer opinion and help. I will gladly stop now. GL and �8.70 getting nearer to Value. Enjoy !

And 80p is 10% !! Unless you are made of money ...

This is a good Safe Share to be a part of. But why would I buy in at �8.80 when I think it could drop a bit ? My reasons I have stated clearly. They are mis reporting numbers and not full picture. Where is CEO ? These factors can create a short term downward trend and Fund Managers selling down to bottom of their 1% Margin. So Chartist will you answer me 1 Question .. Do you believe HC has 800.000 Customers as per Website ? Or 450.000 as per FF ? Which do you believe ?

I really do see potential for this to dip significantly for the reasons I have given. Those who invest do what you want / but don't Invest thinking they got 800.000 HC Customers when I know they lost 225.000 in last 10 wks !! You ll see. Because of this mis information I feel opportunities to buy lower will come. But few of them. They have to Service there Bond Issues and full picture will come to light in Final 2017 Annual Reports. Surely my own intent to buy at �8 is positive for my intent on this Share. That is where the Value lay I feel.

A fair Question Chartist. I will explain. Website says 800.000 yet I know the facts. They probably got 450.000 and reducing. Report FRI 13th recently said 500.000 and I know this was accurate to a point / although they will have included the Write Off / to boost numbers as they would be dead Accs in transit. My statements are not Negative. They are based on truth. Why would I buy in when I believe this could drop lower ? If I get chance to buy at �8 it will present better VALUE and I have always maintained this is �16 in 3 years. I feel some bumps coming because the full Picture has not been published. The unknown Lossses present opportunity for this to dip a little. So I wait. But in this World sometimes you can miss the Boat and I may never see low �8. GLA. If any of my numbers negative how so when it the truth ? Tell me 1 stat you disagree on ? Website is embarrassing 800.000 Customers. Old numbers.

Vanquis is the Cash Cow and maxed out. As far as the Car Finance arm it is called MoneyBarn and Profit margins in this age much less / they will contribute �10m profit per year and steady at that. I am trying to help but you do not appreciate so best of luck for the future. Sincerely.

Judge Mental. You don't even know what the Car Finance arm is called do you ? But you may be right 46000 for that part and Vanquis numbers 1.6m is correct.

I've just seen it lol. There Website must be out of Date !!! Doesn't surprise me !!! Read the Report FRI 13th Oct / Sep ?? Stated HC has 500.000 Customers ! And trust me they got even less now !! You will see in the new year when Official Results come out. Satsuma is part of HC and about 60k. The 800.000 refers to numbers before their Crash which started on 3 July !! I won't try convince you otherwise. You will see. Anyone in any doubt ? ... Lot of info. You just go by Website lol..

They used to make �110m profit without fail Year in Year out. Over the years they took the cream from HC and gave them the Vanquis product. Hence Vanquis grew exponentially due to low labour costs as a remote Lending. They set up Satsuma to further cream off HC and offer online loan product rather than HC but that has only grown by 10000 customers last year to 60000 ? I would have said HC making any loss / would have been impossible / given the profit margin / loan / but they are saying �60-�80m loss and not all attributed to "the new business model" This will bottom out and �30m annual profit can return / but that is 3 years away. Please don't think I am negative. Info is helpful and low �8 I am waiting for / although it may never come / so you take your choice. The longer no CEO the higher chance this occurs.

To get back to �300m Profit as Woodford said in 3 years they ain't gonna get there from a HC. Vanquis is maxed out at �220m for me. HC has been on the decline in numbers for years. Check out historic Annual Reports. They have maintained the HC Profit at �110m on a falling customer count and they have been clever with this. The �110m will never come back. So they will have to diversify into other Markets. And I am sure they will. The Lending Stream can go more remote and reduce labour costs but that looses you exposure to your Market Place in this game.