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Everything posted by eddymced

  1. I wanted to get a better deal on my mortgage. Thank you for replying so promptly. when you refer to post 77/78 above, can you point me in the right direction pls as I am not sure what you are referring to. Many thanks.
  2. I wish to remortgage my property but HFO took legal action against me for a debt and applied for a Charging Order. This was then sold on to Link. Every now and then I have received the usual letters of threat but have never responded. Having checked with Land Registry I see that HFO filed for a Unilateral Notice of Interim Charging Order in 2008 but never a Final Charging Order and Link added themselves as Beneficiaries in 2015. I have written in the past about the battles I had with HFO/Link and heeded the advice to ignore Link until they decide to take me to Court to claim themselves as the new Creditor. How does this Interim Charging Order affect me regarding moving forward and is it possible to get it removed? Thanks for any advice.
  3. Ok and thank you so much for your help today. Can they enforce the CO?
  4. I believe the original Charging Order was granted on 7th January 2009, if that helps?
  5. The Judgement was granted in 2009. HFO did not, apart from a couple of initial letters, bother chasing anything up. I have not made any payments to HFO.
  6. Thank you for the links dx100uk. I have had a read of them but feel a little confused. Should I respond to Link yet? They gave me 7 days to respond but dated their letter 18th January.
  7. Hi, I have just received a letter from Link stating that they have taken over an account from HFO. I had an old Barclaycard debt which was sold to HFO who, somehow, despite failing to produce the necessary documents requested from me, and having shown the court a very dubious Agreement between me and Barclaycard (not convinced it was the correct terms and conditions as bad photocopy and did not seem to match the original signed Agreement?), HFO managed to get a CO on my property. Since then, I have not heard anything from them for about 4 years until I received this letter from Link demanding immediate payment or they will take enforcement action against me. Can anyone help on where I need to go with this? I do not know who Link are? Many thanks.
  8. the charging order is in favour HFO Services Ltd. What worries me is that the original judgement was for £5,979 and now it has escalated in the witness statement to just under £14,000:eek:
  9. no further copy T&Cs in witness statement - literally just what I have scanned and then loads of paperwork about assignments etc between HFO Capital and HFO Services.
  10. the copies really are that bad - no refernce numbers anywhere and the copies posted on here are the same quality as sent into court as a witness statement.
  11. okay, hopefully have sussed the scanner - took me all morning, so here goes, just hope it is correct docs???? application form and terms and conditions sent with witness statement by turnbull for HFO.
  12. Wow, just read your post vs HFO and it reads very very similar to mine! including the terms and conditions!!! Maybe there is hope???????
  13. thank you ~ is this the norm for them? Sounds like they have the courts in their hands
  14. Will try, have to sort scanner first as never used it before:confused: Will try and do it tomorrow ...
  15. the witness statement is pages long, including deeds of assignments (never supplied to me) a copy of the application form which is quite badly blurred and a separate copy of the terms and conditions which I do not know whether were the original as it is just literally a page with them on so I do not know whether it is enforceable or not.
  16. HFO did oppose the setting aside, they sent in a witness statement and said that I had no right to set judgement aside. Could not go because of work and I seriously cannot afford to lose my job. HFO got the original judgement for the debt which was sold to them by HFO Capital. The original order was, I believe, in 2008 and then last year HFO applied for the Charging Order. Does the application form actually make a Credit Agreement with Barclays because the way HFO portrayed this, then it does?????
  17. Ok - tried to get judgement set aside but court dismissed case. Pointed out had only photocopy of original application form to Barclaycard and solicitors for HFO only produced the same and a seperate photocopy of the terms and conditions. Does an application form from the 90's constitute a credit agreement? Help please as I really do not know what to do next......
  18. Thanks Docman. I have applied for the original judgement to be set aside and sent this recorded to the original court. Do I now need to apply for the charging order to be set aside also?
  19. Thanks for that. In that case, my defence would be (and was at the time, though does not seem to have been heard in court!) that there is no CCA!????
  20. thank you Just a thought, HFO have never been able to produce a CCA despite my many attempts to obtain one from them - all they have produced is a copy of my application form to Barclays dated in 1993. Surely, no CCA actually exists then?
  21. Could someone please clarify whether I need to apply for the original judgement against me or the charging order to be set aside or both and, also, please, whether I need to respond to HFO's solicitors? Many thanks:confused:
  22. Sorry, thought I had deleted the other ...
  23. May have sent it to Turnbull, really cannot remember. A CCJ was entered against me for the original debt with Barclaycard and then Turnbull went for blood and applied for a charging order without any further contact with me. The first I knew was when I received the documents from the court, so I immediately sent off my defence. About 3-4 weeks later, the court returned my defence with a compliment slip stating the hearing was now being held at Guildford County Court and no other details. I found out the address of Guildford County Court and duly forwarded on my defence to them. I never heard another thing from any court at all! And no, I have not moved.
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