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    • No, do the section 75 chargeback to your credit card provider.
    • See what dx thinks but it seems to me that sending a photo of your own pass isn't relevant to what happened. Let's wait and see what he says. HB
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    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
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Hfo capital limited


tony c
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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

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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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yes more info needed.

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

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Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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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.

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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 ?

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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

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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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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

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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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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.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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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!

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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 .

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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 :-)

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