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Teapee

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  1. Hiccup with laptop so haven't been able to access CAG. Yes ACT credit management. Letter states Pre-legal notification and that they are agents for Uni of herts.
  2. Hi in Sept 2010 I started a p/t degree course. I started the course and then found full time temp job. Jan 2011 found f/t permanent job that meant a lot of study and time away and I could not continue with the Uni course. The course fee was £1920 The Uni gave a grant of £985. I am now being chased by ACT credit for £1920. I haven't contacted them as yet so any suggestions would be helpful. I have the original documents setting out amounts given above.
  3. I've had a letter from OFT today. It acknowledges my letter of June and is asking me for details of my complaint, copies of a statement detailing my contact with them including phone calls, letters received and sent to them. It states they are considering a company's ongoing fitness to hold a consumer credit licence and they can challenge a company's right to hold a licence if they commit unfair business practices if they do take action against them they would need to disclose details of my ID and complaint. Possibility of being called as a witness. It states because of restrictions they are unable to give information about any action that may be taken in response to this complaint. This sounds quite positive and its thanks to you guys for advising this.
  4. I did receive a reply from OFT basically acknowledging my letter but not giving any further detail. I haven't head anymore from them or HFO so far. Nor have I heard anymore from the court I don't know if that is good or bad really.
  5. According to extracts sent by HFO the last statement thing was 5/7/05.
  6. Letter to OFT complete, giving details on their failure to reply to CCA and mentioning the aerial photo's of house and bullying etc. All adds to it I hope.
  7. The OC is Barclaycard. Sorry to keep going on but does Donkey B mean the CPR31.14 letter or just a general letter saying you haven't replied etc
  8. I did and did via Money claims online. What's puzzling me and concerning me is that the actual summons has gaps in amounts and dates. They can't add stuff in can they?
  9. I replied to the summons. It was issued 1/6/11 and I replied yesterday I think. Below is what I said. " Please see extracts of two letters sent to HFO Services which they have failed to respond to. I enclosed the £1 postal on 9/12/10 as required. These letters were also sent to Turnbull Rutherford Solicitors 11 February 2011 but again I have not had any reply I have no record or details of the debt they say I owe. All I have ever received are 3 standard letters from HFO and 2 from the solicitors. I feel bullied and intimidated by their threats, photographs of the house I live and now this summons. "
  10. Thanks for all the replies. I'm not great with IT so I've typed it out. HFO sent me copies of statement extracts the earliest being 6/1/05 the latest 5/7/05 relating to the amount they say I owe. "The claim is for monies due from the Defendant under an interest - bearing credit agreement. The defendant defaulted on this agreement. The Claimant HFO Services Ltd is a services and collections company which collects debts for HFO Capital Ltd. HFO Capital purchased the defendants account and all rights and obligations attaching thereto from the original lender on(no date submitted here) Notice of assignment has been provided to the Defendant. The Claimant claims £225 being instalment arrears due from the Defendant. On satisfaction of this claim and the costs there will be an unpaid balance of (no amount) to be paid by the Defendant which is acruing interest at the contractural rate of 12% pa. I panicked with the court summons and sent this back to the court. Please see extracts of two letters sent to HFO Services which they have failed to respond to. I enclosed the £1 postal on 9/12/10 as required. These letters were also sent to Turnbull Rutherford Solicitors 11 February 2011 but again I have not had any reply I have no record or details of the debt they say I owe. All I have ever received are 3 standard letters from HFO and 2 from the solicitors. I feel bullied and intimidated by their threats, photographs of the house I live and now this summons. 9/12/10 Dear Sir/Madam Re:− Account/Reference Number This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. 2nd letter dated 30/1/11 31/1/11 Dear Sir/Madam Re:− Account/Reference Number Second request First request made 9/12/11 This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.
  11. HFO wrote to me out of the blue in Dec 2010. They sent me an aerial photo of my home, equifax report and lots of other stuff. Using your templates I wrote to them with and require £1 postal order. They ignored it. They wrote twice more ignoring my letters asking them to provide me with proof. I wrote to the solicitors also but they have also ignored me. I now have a summons and don't know what to do. I have copies of the letters but I stupidly didn't keep proof of posting or of the postal order. What can I do?
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