Thanks for that Saintly. I have checked the agreement thoroughly and the only thing missing is the interest rate. I have no idea how much this would have been as I signed this on behalf of a company. I dont dispute that I have an obligation to pay this debt but I had a perfectly good repayment agreement with Jaguar and without any warning they sold it onto these jokers who want to bully me into paying more than I can afford. The agreement also has a white box which looks like it would have had something else in it which has been tippexed out. If the agreement is unenforceable at least then I would have the upper hand as to how much I could agree to pay them. I have considered offering them a one off payment of £2000 in full and final settlement. The original creditor also got the figures wrong when they sold it on and I owe less than they say. The outstanding amount is around 11K, would a 2K offer be enough or should I dispute the agreement as it has no interest rate. I can't afford to lose if they took it to court.

Another problem has reared its head for me and I wondered if anyone could throw some light on it for me. I had a debt with Jaguar Financial Services and was in an agreement with them to pay £100 per month and have been doing so for 18 months. I was surprised to receive a letter from them (allegedly, it is not their paper etc) saying that with immediate effect the account has been assigned to FCE Bank plc who have subsequently re-assigned Link Financial to recover the outstanding debt due and demanding the whole amount. Having learnt a lot from this site, I immediately requested a CCA. It came yesterday morning and I am keen to respond. I need to know what constitutes a 'properly executed' agreement. Sorry I cant scan it but just glancing at it, there is not even an interest rate. I dont dispute that I owe the money but I have been paying and for Jaguar to sell this on is outrageous. I have been desperately repaying several creditors for 2 years since my company went into liquidation and life has been very hard. I could have gone bankrupt but chose not to do so as it would not have been good for my family. If there is anyone who specifically knows what needs to be included I would really appreciate it. Thanks

Hi, it seems they have wound you up as much as they have me. I have to say that on my original posting and several others I have disclosed who the directors are and have spent many hours investigating these cowboys. I have huge files relating to their every move, their homes and income and all their dodgy connections. The only thing I dont know about them is what they had for breakfast. All the authorities have been advised of their very dubious activities and I must say that no-one seems interested. However, they have now gone very quiet. I have to be careful what I disclose but I would be happy to PM you and we could exchange notes.

Yep that sounds about right. I got the exact same 'sod off we're not really interested' letter several months ago and from every other authorised body who is supposed to protect the consumer. I have actually got to the point where I dont think any of them care as long as they are drawing their nice fat salaries at the end of the month.

Funny you should say that patrick as Barclaycard have also gone quiet as I have too reported them for their unscrupulous association with HFO. I reported them to everyone and let them all know exactly how the HFO operation is set up. With a little luck, some bright spark has started the ball rolling and seen this outfit for what they are.

Hi gem88 Like you I am awaiting some kind of response from HFO. They have filed it with the court, I have sent in my defence and we have both completed the allocation questionnaire for the court. They applied to have four weeks to try and sort it out of court 6/12/06 but to date I have heard nothing from them. I now have no idea what is happening. I was presuming that as the case had been filed, I would have my day in Court and I am still waiting. I have made the court aware that they have no evidence and they are in breach of all the rules. Does anyone know what I should do now. Thanks

I have the same problem with Barclaycard. I have advised them at the highest level about the unscrupulous business practices of HFO and they don't seem to care. Makes me wonder whether the debt has actually been sold as we dont have any documentary evidence, if you see where I'm coming from. Or have they just made me paranoid!!

Think you might find all the relevant authorities may have been tipped the wink;-)

Hi GOLFr32 Just picked up your thread and read it with interest. You have nothing to fear from HFO, they are a bunch of cowards. I heard from them in August and initially felt very concerned. I too had a couple of telephone conversations with them where they threatened me and reeled off details about my bank accounts etc! Very intimidating. Firstly, check the first letter from 3G against any other correspondence you have from them. It is very likely that the headed paper has been scanned by HFO. This in itself is an illegal act as they are fraudulently producing documentation to give themselves financial advantage. Like you, I agreed to make regular payments but requested a payment book. However, this did not arrive, just Court papers! Having sent all the usual requests for information, nothing was forthcoming from HFO, Barclaycard or Turnbulls and now I am just awaiting a Court date. I cant wait to see them in Court. They have not provided me with anything and even their particulars of claim are wrong. It beggars belief that a company which does this every day gets it so wrong. They file so many actions with Wandsworth Court that the judges are totally fed up with them. My advice to you would be to cancel your credit card. They can always issue another one with a new security number etc. That way HFO wont be able to use the details again. Send lots of letters and keep copies of everything. If it goes as far as Court and you have not been provided with a properly executed CCA, they will look very silly. Take care and keep us posted. ;-)

Congratulations Linz. Great to see that you have won against these idiots! You are an inspiration to us all. Take care x

Apologies if I took your posting out of context. I agree that everyone is in business to make a profit, but the way these guys go about it is criminal in every sense of the word. I think most people want to face up to their responsibilities, but to terrorise and intimidate people when they are at their lowest is dispicable. Can you imagine contemplating your taking your life because of these b***ards. I pray that the majority of all agreements are unenforceable having been on the receiving end of in excess of 200 telephone calls every day.

Matt, I am not sure if you are on their side or just giving them the benefit of the doubt. The fact is that the DCA's prey on the very weak and vulnerable. Very often people get into financial hardship through no fault of their own. In my case an employee embezzled huge amounts of money out of my firm. It has taken 3 years and much hardship to hang onto my home and my sanity! Irresponsible lending is also partly to blame. It is almost as though the lenders want you to default. They are only coming down heavy now and passing debt across because they cannot get away with their extortionate charges anymore. If the banks have cocked up over their CCA's then it is their own greedy faults. They make billions out of the little man. A bank is not even a bank anymore. Years ago it was an institution to look up to. We knew our bank manager and he knew us. Now, no bugger gives a dam! Government and legislation is to blame to allow them to have us over a barrell. Well the little man is fighting back with the little protection we have and they only have themselves to blame. The DCA's should be regulated along with every other financial institution. Some of the postings I have seen here have reduced me to tears. No-one should have their life destroyed over money! Dont feel sorry for them they are leeches.

One again excellent advicce from priority one. All those CCA's should keep you busy for a while! The most important thing is that you will be taking control of the situation which will make you feel so much better. Once you are familiar with the procedure and confident in what you are doing, the DCA's wont scare you any more. Take care and keep us posted. x

Good on you. They dont care if you genuinely dont owe the money. They rely on people just paying due to the intimidation and harrassment. The court does not like to have its time wasted with idiots like this. Let them file, it costs them money.

Yes their reputation is certainly growing. There is so much I would like to say but cannot at this time as it may prejudice my case but rest assured very soon I will post everything which will hopefully help everyone else who have had the misfortune of having to deal with these muppets!

Just thought of something else. The agreement has to properly exercise and executed. Who the hell is A Partington? No address...............very iffy He has the same handwriting as the person who inserted your date and the same as the person who completed the agreement...........very iffy I would not underestimate the depths to which HFO will sink. They must have a whole department just devoted to copy/paste and scan!

Have got to say this looks very iffy to me. I think you need to go back to basics. If they do issue a claim through the courts, are you absolutely sure you did not take out a loan with Welcome Finance? Is it your signature and if so, where did they get it from. Were you ever desperate enough to sign a loan agreement with 47% interest? If this is definately not yours I would not even think about paying it just to get them off your back. This is exactly what they want. I would insist on seeing the original along with a true copy of the deed of assignment from Welcome Finance. You need to send an SAR to Welcome if you have not already done so and CCA request. If in the meantime you get a county court claim you can request extra time to prepare your defence. There is a fab letter which you can serve on them giving them 10 days to provide all the documentation for the Court. Remember in law, he alleges must prove. Just out of interest, are you a home owner? If not I doubt very much if they will instigate court action.

Hi Gav, Just want to formally welcome you to the Society for HFO victims! Please don't despair. Read everything you can in all the threads and you will soon realise that things are not as bad as they seem. Good luck

Not sure I like the reply from G-Force. Doesn't sound like a true CAGer! These letters are definately a forgery. Rosie is right, at some point someone has got to have the balls to listen to us. The net is closing in and we can bring them down! I can imagine them (DCA's) reading this and laughing at us little people but they need to watch their backs, the tide is turning. Well, lets see what Monday brings. Have a good weekend.

Paul You need to look at this letter very carefully. You need to check the logo. against any other correspondence you have from Welcome. The liklihood is that it is shiny and not printed. You also need to check the FSA regulation at the bottom. The FSA compliance is very rigorous and the wording and spaces, even punctuation need to be exactly the same. If you are in any doubt, send a copy to the Cjief Compliance Officer at Welcome and tell him you believe this is a forgery. I dont suppose for one minute it came from Welcome. I have seen this before. Remember, if HFO had the correct documentation to persue this debt, they would not behave like this. This is quite important, if it can be proven that this is happening on a grand scale, we might just be able to beat these bullies. Regards

Thanks for the tip Rory, I havent quite got used to this site yet, think I can post anything anywhere!! The bottom line is that I have not received any documentation from HFO or Turnbulls and I need to complete the questionnaire for the Court. Funnily enough I have had a letter from Turnbull today asking for us to contact them so that we can perhaps reach agreement before attending court. Can you believe they are quoting me about complying with CPR!!!. I have copied them in on everything and had nothing back. Its a joke. I have written to the Court and explained that HFO are not complying but I have to submit my questionnaire by 6th Dec. I have asked the judge to strike out their claim but have heard nothing yet. How long should I leave it before I take further action. Thanks

Paul I have been dealing with HFO for several months now and believe me all sense of logic goes out the window! They prey on the weak and vulnerable. From my first telephone conversation with them, to the court action arriving on my doorstep (26 days), they added £3800 of charges but will not give me any information as to how they arrived at that figure. I dont have a court date yet but I sure am looking forward to it. Bring it on!!

Just thought I would drop a line as not sure where to go from here. As posted previously, HFo have issed court proceedings even though I dispute the debt. This has been going on a while. I have issued a SAR and CCA to HFO on 5th Nov and a request for information under the Civil Procedures Rules on 10th Nov and the same to Turnbulls. The CPR state that information has to be forthcoming in 10 days. I have sent a copy of my defence to Turnbull as is required under CPR and I have had nothing back. I have copied the court in and requested they strike out the claim. The POC are ambiguous and contain no information about the alleged debt as is required. I now have an allocation questionnaire to complete but without the requested information I cannot get anywhere. I know HFO are in breach of just about every rule and guideline but am at a loss to know what to do next. The silence is kiling me!

Hi Babyhollie Some good advice as usual from the forum. I am lost for words knowing that these people have pushed you as far as they have but take heart from all the very kind people on this site just waiting to give you good advice and support. I am not as knowledgeable about things as they are but I have wondered if you have any equity in the house. If so would it be worth thinking about a remortgage or further advance to clear your debts. Its not always a good idea to secure unsecured debt but in this instance it may be the route to follow. Just remember, these **** bags prey on the vulnerable, dont let them win. Take care.

Rosie sorry I did not get back to you I have been away from my PC. Looks like mine is going the whole way as the case has now been transferred to my local court. I will keep you informed of my progress as I understand it is unusual for them to take things this far. Regards