Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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Thread: Old HFC claim

  1. 26th June 2009 12:42 #1
    Guadge Guadge is offline
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    Default Old HFC claim

    Hello - I am looking for advice please.
    I have an existing claim against HFC, which is obviously on hold. The amount I have claimed for is £170. Since beginning action, HFC have added many charges onto the account, and the balance (which I have paid them now) totals now at £520. Is there any way I can change the amount, as I believe I can't begin a new claim against them, or can I cancel the claim, and start a new one

    Also, I have arrears now on my mortgageicon and am currently on a debt managementicon plan. Does this count as financial hardship, and if so, how do I get them to pay the money back now. I have written asking them, but obviously they've said no.

    Sorry - my question mark key is broken!

    Thanks in advance.

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  2. 13th July 2009 22:42 #2
    old_andrew2007 old_andrew2007 is offline
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    Default Re: Old HFC claim

    Bump

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.

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  3. 8th August 2009 10:43 #3
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    Default Re: Old HFC claim

    Is it a current a/c or a loan as I didn't realise they did current accounts. If it is not then it is not affected by the Test Case.

    Yes you can make another claim IMHO - if it is a current a/c claim how can it be your fault that they are allowed to keep making charges although I think this may change next year if the test case is still ongoing

    If my advice has been helpful tip the scales

    West brom SETTLED

    Halifax current SETTLED IN FULL
    halifax curent (2nd) stayed. Visa - SETTLED
    2nd visa LBA sent
    halifax for the 3rd time. LBA sent

    Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

    Sainsbury's - Awaiting court date

    Co-op cc SETTLED IN FULL 2nd claim. Settled in full


    National Westminster Settled in full. 2nd claim. N1 submitted


    HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE