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 lloyds 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

Hi tony

Welcome to CAG

The guys will advise shortly.

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

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.

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

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?

yes more info needed.

have you got the wording from the court order/directions ?

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 court 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.

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 court 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 ?

I think you need to contact Wandsworth County Court 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.

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

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

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 court stamp on it

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

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

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

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

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/forum/content.php?115-How-to-open-a-PhotoBucket-account-and-use-it-to-post-pictures-on-the-Consumer-Action-Group

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

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?

I am sure Tony can easily get to 20 posts or we can ask a mod to upload any docs.

Considering what HFO pay for these alleged debts, I think your offer was very generous, must be a very large amount they think you owe. I do not know how they can freeze your account.

I would do a data SAR to Barclaycard and find out who the account was sold to.

I do not know how they can freeze your account.

They have threatened to do this to a few people but this is the first time someone has reported them as actually doing it!

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?

17976 pound the last my partner heard from bc was 4yrs ago when she was offering them 50 pound a month her circumstances changed and she fell behind again but rang bc offering 25 a month but they did not send her any documentation for direct debits or standing orders, so i suppose is just extinguished it self until 2wks ago when the house sale went thru, we phoned bc when we found out about the debt to hfo but they very natter of factly said it had been sold to hfo thats when the communication started between them and our selves. i cant scan no paperwork as i have just read that i have to post more than 20 posts to do this .

They have threatened to do this to a few people but this is the first time someone has reported them as actually doing it!

Did they know the funds were in there?

Think they are on very dodgey ground if this one turns out like the rest - with very big amounts of money you can get loads of porridge - though i can not advise on brand names