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. #1
    Basic Account Holder tony c Novitiate

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    Default Hfo capital limited

    hi all bit of a newbie so please bare with me my girlfriend has debts with barclaycard who then sold the debt to hfo capital ltd they have been in touch with us and are takin us to court, because my girlfriend has just sold her house we had money in 2 seperate accounts one was a savings the other was every day use.
    we have paid off other creditors inc Lloydsicon tsb, the black horse and the woolwich. HFO in there infinite wisdom went to court and froze our accounts the total being 18000 in total. we phoned hfo and tried to arrange a payment plan of 7000,9000,10,000 11000 12000 all which were refused these lump sums were to be bonded with a payment of 150 pound a month until said debt was cleared.the interim hearing ia scheduled for the 15th nov, just basically need anyones input on what to do thanks


  2. #2
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    Default Re: Hfo capital limited

    Hi tony

    Welcome to CAGicon

    The guys will advise shortly.

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  3. #3
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    Default Re: Hfo capital limited

    Hi Tony and welcome

    I have asked the site team to move this to a more appropriate forum so that we get the legal expertese joining in

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  4. #4
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    Default Re: Hfo capital limited

    This doesn't sound right, HFO cannot freeze your bank account jut by going to court, you obviously did not defend this.... you also state there is an interim hearing on the 15th, what are the particulars of claim which led up to this hearing... thi can and should be defended.


  5. #5
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by coledog View Post
    Hi Tony and welcome

    I have asked the site team to move this to a more appropriate forum so that we get the legal expertese joining in
    thanks looking forward to getting help


  6. #6
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    Default Re: Hfo capital limited

    You will get help - don't worry about that. If you can prepare some more details for us - letters received, court docs received etc Any thing that you can scan in with personal details removed?

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  7. #7
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    Default Re: Hfo capital limited

    yes more info needed.
    have you got the wording from the court order/directions ?

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  8. #8
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by sillygirl1 View Post
    This doesn't sound right, HFO cannot freeze your bank account jut by going to court, you obviously did not defend this.... you also state there is an interim hearing on the 15th, what are the particulars of claim which led up to this hearing... thi can and should be defended.
    we went to our bank on the 18th oct to transfer money from the savings this we couldnt do as they were frozen we spoke to the bank manager who informed us they had been supeoned by hfo and wandswoth county courticon to freeze our assets we recieved a letter yesterday from hfo stating the above r.e the assets the bank could not inform us as they would be commiting an offence.


  9. #9
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by tony c View Post
    we went to our bank on the 18th oct to transfer money from the savings this we couldnt do as they were frozen we spoke to the bank manager who informed us they had been supeoned by hfo and wandswoth county courticon to freeze our assets we recieved a letter yesterday from hfo stating the above r.e the assets the bank could not inform us as they would be commiting an offence.
    also i have read on here that hfo capital ltd are based offshore in the cayman isles as these are the people taking us to court NOT hfo services ltd are they entitled to do this ?


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    Default Re: Hfo capital limited

    I think you need to contact Wandsworth county courticon on Monday morning and lodge an appeal.

    How did HFO get the details of your bank account, you should NEVER have phoned them as they are very uneconomical with the truth.

    You have a major case against them.


  11. #11
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    Default Re: Hfo capital limited

    Have you received anything at all from Wandsworth court or have you contacted them? You mentioned an Interim hearing in November?

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    Default Re: Hfo capital limited

    HFO Capital are based in Dublin - it is all very complicated.

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  13. #13
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by coledog View Post
    Have you received anything at all from Wandsworth court or have you contacted them? You mentioned an Interim hearing in November?
    got a letter on the 21st oct stating the interim hearing on the 15 nov then the proper hearing on the 26th nov i dont think it came from wandsworth cc directly it was from turnball and rutherford the solicitors for hfo but it has a wandsworth county courticon stamp on it


  14. #14
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by coledog View Post
    HFO Capital are based in Dublin - it is all very complicated.
    but dublin is in the republic of ireland a total seperate country from the uk it has its own laws government ect


  15. #15
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    Default Re: Hfo capital limited

    Have you contacted the court? If not, you need to first thing on Monday. What other correspondence have you received?

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  16. #16
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    Default Re: Hfo capital limited

    Hi and welcome, is it possible for you to scan up any docs, removing any personal info.


  17. #17
    Basic Account Holder tony c Novitiate

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    Default Re: Hfo capital limited

    Quote Originally Posted by coledog View Post
    Have you contacted the court? If not, you need to first thing on Monday. What other correspondence have you received?
    we faxed and wrote to the court manager on wed 20th stating our concerns and worries no reply yet, as i stated on my first post about the sums we offered hfo when we found out all this was happening does anyone think a judge will take these into consideration its not as if we are ignoring the debt, this companty appears not to give a rats about anything my partner is 12 wks pregnant we have to vacate our property we have just sold in the coming weeks and by offering hfo a payment scheme we thought they would oblige, how wrong can you be !!!!!


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    Default Re: Hfo capital limited

    Hi Tony

    If you are unsure about how to upload and remove your personal details - follow the link at the end of this message for a video tutorial.

    To be able to give you specific detailed advice to your case - rather than just vague, general advice - we need to see the documents you have.

    http://www.consumeractiongroup.co.uk...r-Action-Group

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    For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here


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    Default Re: Hfo capital limited

    You will also need to make 20 posts before you can upload.


  20. #20
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    Default Re: Hfo capital limited

    This company are only interested in money, correct. The courts are actually there to protect you and your interests which many people forgot. You must ring them as they are often slow at dealing with letters.

    Please start from the begining again. How much is the debt and how old is it. When was the last payment to BC?

    Can you list the correspondence received from HFO?

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