santamonica v hfc

santamonica · 30th May 2006, 20:51

Sent my Data Protection Act request today. Also asked for copies of all default notices they have sent me (3 in 4 years all for the same debt)

I know I've been charged £15 nearly every month since 2003 because I'm paying a reduced amount that they agreed to

Gill.

this site is so addictive but it's made me realise I don't have to worry every time the phone rings, I don't have to put up with threatening letters and phonecalls.

jonni2bad · 31st May 2006, 03:21

Quote:

Originally Posted by santamonica

...this site is so addictive but it's made me realise I don't have to worry every time the phone rings, I don't have to put up with threatening letters and phonecalls.

Quite right too, nobody should.

santamonica · 26th June 2006, 18:02

Got a reply from HFC which is a statement of my account.
They didn't send copies of default notices, should I reply asking for these again?

jonni2bad · 27th June 2006, 02:51

Yes, refer to it specifically and state the deadline.

santamonica · 18th May 2007, 11:59

I'm still trying to deal with these clowns. Today I received an intention to register a default if I don't pay the outstanding amount within 28 days. There is already a default registered with the CRA's from December 2004 for the same account.
Can they register another one meaning it will be 6 years from now before it drops off my credit file?

santamonica · 19th May 2007, 16:47

jonni2bad · 19th May 2007, 17:01

No, only one default can be made against any debt. I think they either forgot the law (not unlikely) or they are just trying to intimidate you.

What precisely are you doing with this? - i.e. have you started a claim or are you just making payments to them etc?

santamonica · 20th May 2007, 12:06

I'm waiting on info from them concerning the account, i.e. cca, statement, ppi payments and amount charged etc. I've stopped making payments as they have defaulted on my request.

jonni2bad · 20th May 2007, 12:20

Did you send them a Subject Access Request?

If so, when?

santamonica · 20th May 2007, 12:30

S.A.R. was sent 28 March.

santamonica · 21st June 2008, 15:57

I let this one slip due to other things happening and never got round to dealing with it again.

Now I don't have any choice they've taken me to court

I received the court papers a couple of weeks ago and sent them back requesting a time to pay. I received the letter this morning telling me that HFC have rejected this and a hearing date has been set

So a couple of questions;
1. this account is in joint names but my OH doesn't know it's got this far (he knows it's in serious arrears), does he have to go to the hearing or can I go by myself
2. do you think at this stage they'd take a payment as final settlement and if so for how much. The original loan was for £8050 which ended up being £16,000 approx with interest and insurance. I'm unsure of the balance still owing, the credit reference agancies says £7616 but the court papers say £8665.
3. They also say in the court papers that they defaulted this account in November 2007 but it was defaulted in December 2004 according to the CRA's. Can they now default from the court date?

Any help would be very welcome as I'm worried sick over this, we thought we were finally sorting ourselves out and now this.

santamonica · 21st June 2008, 16:29

posted this in debt action group - legal issues in the hope more people will see it and be able to help.

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