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)

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  1. #341
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    Default Re: Help being taken to court by restons... **case dismissed**

    Sorry I have found them and have called for some advice. Thanks for your help again Caggers.


  2. #342
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    Default Re: HFC will never leave me alone

    and?

    dx

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  3. #343
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    as you were posting on two threads
    i've merged them and retitled

    dx

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  4. #344
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Hi dx100uk. Sorry for the late reply. I called the ICOicon and they have advised me I have to give them 28 days to reply to my letter. (The letter i sent was to ask why they removed the default and made my account 6 months in arrers.)

    If i dont hear from them I can make a complaint against the creditor for putting wrongful information on my credit file. Its been 2 weeks since i sent the letter. And in that time i receieved a letter from a DCAicon.

    Thanks


  5. #345
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Hi

    I need some help with this. I got a letter back from HFC to say they couldnt find the account in my name or address, and the credit file i sent to them does not show the creditors name or my name and address and could i please send the whole credit file so they can answer my querey correctly.

    1. How can they not find the account in my name and my address? They have been sending letters and took my to court under my married name (not my maiden name when the account was opened).

    2. I dont really want to send them my whole credit file. I printed this online. So is difficult to get just there info without putting other credit info on with it.

    Are they just stalling for more time? What Should i do?

    Thanks


  6. #346
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    I would write back the following

    "As your company have totally failed to keep proper records and now are asking for information they are not entitled to have I am taking you to court without further notice - I would remind you that defamation claims carry a very high penalty and could cost your company its CCL licence.

    Details of this case are going to the OFT, Trading Standards, Ministry of Justice, local MP and various newspapers."

    Keep it short and sharp and they will get the message. They are taking the proverbial here. If they cannot match you with their records then you are clearly not the debtor, the onus of proof is on THEM, not YOU.


  7. #347
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Get back to the ICOicon. if they don't know who you are they shouldn't be processing your data.

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  8. #348
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Ok I will send this letter off, thank you. Does this mean they have to correct my credit file?


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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    That will depend on the ICOs findings
    I think.


  10. #350
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Hi Again

    I have had a letter today from a company to say they are acting on behalf of Mackenzie Hall to collect the debt. They are threating with door step calls if i dont contact them. I feel like im going back to basics this is what happend in the begining with HFC they turned up in my door step 3 times. I cant have this again. Any advice. The idiots wont leave me alone even though the case was dismissedicon in court.

    Thanks


  11. #351
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Write to said company and Hall (is it Scotcall they are trying to use?) and remind them the court case was dismissedicon and you do not owe this debt.

    Remind them that you will report them to East Ayrshire Trading Standards and the OFT for harrassment.

    Just tell them to get lost and do not visit as you do not owe this money.


  12. #352
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    No they are called Meritforce. I have never heard of them. This has been going on over 2 years now and the debt is over 16 years old. Its doing my head in.


  13. #353
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Mackenzie Hall Group.

    Please consider making a small donation to help keep this site running

    If you want advice on your thread please PM me a link to your thread
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  14. #354
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    Hi after checking my credit file again.
    They are still putting me in arrers for this account 6 months now.

    There is still no default showing event though they did default me a few years back.

    Now I have noticed they have written on my credit file that i have move addresses and not informed them.
    .. which is untrue.
    . is there nothing I can do about this?

    This is going to stay on my file for another 6 yearsicon now,

    when i had the default i only had another 3 years to go.


  15. #355
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    if they defaulted you several year ago [properly by a DN]

    then it should fall off after 6yrs. paid or not.

    is this 'account' the same 'accout'
    as th org one.
    or has the debt been relisted.

    Dx

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  16. #356
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    this is the orginal one.

    There is no default anymore they have removed it off my CF
    and put me 6 months in arrers instead
    and now added the information about me moving and not informing them.

    Which now means i have another 6 yearsicon until this comes off my credit file.

    Debt was sold on and we went to court..

    case dismissedicon and they just kept selling it on to different people.


  17. #357
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    how do you know HFC removed the default?

    sems strange to me.

    dx

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  18. #358
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    If they didnt who did? They put it on surely only they can take it off? When i wrote to HFC to ask the question they wrote back to say they couldnt find me on the system and wanted me to send them my creidt file showing the information.


  19. #359
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    when did that first default [that went] get put on?

    dx

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  20. #360
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    Default Re: taken to court by HFC/restons... **case dismissed** now marking CRA file again

    2009. They couldnt of taken me to court without defaulting me right?



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