hfo turnbull and welcome finance cowboys

[burnoutking]

hi people im new hear guess what im getting some fantastic letters of hfo(cowboys)and turnbull rutherford (no brains)about a finance agrrement with welcome (4yrs)ago as last thread said i wrote them a letter requesting to self terminate the agreement they collected car thought it was all done and dusted now 4yrs down the line reciving letters from hfo that i owe them 2,909,39 from welcome how can they do this rang welcome and now they are saying i defaulted a payment so that takes away my right to terminate but i did all this in writing and they collected the car this was 4 yrs ago so i have no evidence as all letters were shredded when i moved to my current address any ideas any body sent them emails saying i dont owe them anything told them that calls were being recorded and all the said was would i like them to sing me a song so i could listen back to it some proffessional firm these are please help me with these cowboys
they have my head battered

[PGH7447]

send welcome a Subject Access Request request then they must send you all the records they hold on this within 40 days.

Tell HFO by letter dont speak to then that the account is in dispute and to bog off, also if HFO have bought this debt from welcome where is the letter of assignment?

never sign anything, send Subject Access Request with £10 cover fee by recorded delivery, an never ever talk to them.

If HFO phone tell em in writing and put the phone down.

Subject Access Request template can be found in the forum library

[burnoutking]

pgh your the man or girl i dunno which bgut thats you mate lets dance with these cowboys

[burnoutking]

well just found out turnbull have put a ccj against me without any notification what do i do about that?plz help

[PGH7447]

bump

[Docman]

OK, this happened to me and it can be sorted out. Typical tricks from HFO though.

Can I ask what court it is in and the date of the CCJ?

[burnoutking]

doc man court is northhampton and date was 26 of this month

[lookinforinfo]

Send Welcome the S.A.R - (Subject Access Request) which you can get from the link below. you will have to modify it slightly as it is asking a bank for details with a view to reclaiming
bank charges whereas you are looking for different details, though they may also have added unlawful charges on to your account by now.
Wait until you get the documents from Welcome before jumping in on the CCJ as there should be a fair amount of information from your S.A.R - (Subject Access Request) that could help in your defence of the CCJ.
1. Data Protection Act, Subject Access Request letter - List of charges

If HFO and Turnbull start getting akward in the meantime, point out that you are in dispute with Welcome as four years ago they agreed to you handing back the car as you had conformed with the conditions of the Consumer Credit Act. Tell them you vigourously deny the Welcome claims and will take them to Court if they fail to accept their agreement of four years ago.
In the meantime, as there is a dispute, under the terms of the OFT guidelines
DCAs should back off until the dispute is resolved. If they wish to continue, it will be regarded as harassment by yourself, and you will decide whether to take them to Court as well and/or complain to Trading Standards that they are unfit to hold a Consumer Credit Licence. Do not pussyfoot with them-kick them hard every time they contact you.

[Docman]

Actually you need to act faster than a Subject Access Request allows. If you send a Subject Access Request to HFO, they have 40 days in which to respond, assuming that they would respond at all. However, HFO have a nasty habit of going for enforcement of the CCJ almost immediately, usually by asking the court for a charging order against your home if you own it.

You need to apply to have the CCJ set aside ASAP. To do so, you need to download a form N244 from the Court [ www.hmcourt-service.gov.uk ], and send the completed form to Northampton.

How did you learn that HFO had obtained a CCJ against you?

[lookinforinfo]

I did say to send the Subject Access Request to Welcome.
Do not tell HFO that you have sent Welcome an Subject Access Request. Just keep threatening them every time they contact you and do conatct TS if they do contact you.
No sense in issuing worthless threats-kick up a fuss about them whenever they contact you.

[burnoutking]

docman i done a credit score online mate thats how i found out about ccj

[Docman]

Originally Posted by burnoutking

docman i done a credit score online mate thats how i found out about ccj

Figures. Northampton would issue a claim form (N1) to a defendant following a claim from HFO that HFO made over the internet. The form would be sent to the defendant's last known addrss. If you didn't get anything from the Court, chances are that HFO put your old address down on the claim form. If so, you will need to show that HFO knew your current address to have a chance at getting the CCJ set aside.

Have you got the court details etc now from Northampton? (Don't post them). If so, you will have to apply for the set aside on form N244 as quickly as possible.