This..Is..Sparta

Hi Alan, One of my issues has been sent to clyde, the others...i'm waiting for what i should of recieved in the 40 day period, the ball has only just started to move. Regards Gordon

sounds all to familiar to me

Hi Everybody, Just an update. Those silly people at HFC have sent me an action of intent to apply a default notice to my account, that i recieved to but was dated 25/02/08 with the action taken place on the 10/03/08 or there after (thus being 10 days late and only 5 days from the action),and they intend on applying a second default to my account (strange as i never have a first letter of notice for my first default, for which THEY WILL REMOVE) are they just F****** stupid, do they understand the implications of their deciept, it just makes me more and more determined to fight them, fight them for what is right, i have a lovely family and BIG PAIR OF BALLS so any of you out there watching ( and i know there are a few of you with HFC work related interests watching us), beware there are ways and means of proving how stupid an ignorant you banks treat us. Appart from that little rant, i must say things are going according to plan,FOS have my first complaint, i'll be drafting up my second and third shortly, HFC are not getting anything off me as they have not complied to my request for my CCA or my SAR (Subject, Access, Request), so i'll leave it to the ombudsman but as HFC have lied already to the FOS (and i expect they'll do it again) so then i'll have more of a knockout punch if i need to go to court. DING DONG LLLLLLETS GET READY TO RUMBLE!!!!!!. kind regards to you good folk out there Gordon:)

Hi phatram, its not working, so you'll have to google the consumer credit act and look for that name. Regards Gordon

Hi phatram, hope this sorts you out. John Antell barrister Regards Gordon

Hi wills7, No not yet, i've sent the info to the FOS, recieved areply that the administrater has my documents, so just waiting for them to be passed to a case worker. Regards Gordon

Hi P1, Yes decisions decisions, do you think it would benefit yourself if you did SAR (Subject, Access, Request) ASAP, one would assume it would, as if they cant CCA you correectly, then surely if they were to SAR (Subject, Access, Request) you, that would give you the info/backup to fend off any action that they have had in mind. Just a thought:) enjoy your roast, mine is lamb today. Regards Gordon

Hi P1, i must say that i'm suprised at their persistance without the CCA you requested a time ago, it seems to be a bit bullish for them to take such action....and as since you made payments from when you recieved your original default, cant see why the total is higher? maybe it's another tactic to get you to submit into doing and getting what they want from you. If they havent used their solicitors for enforcing the action instead of using a default notice, then maybe as you said, they are in a position where they cant back up that course of action, and settling for something minor in comparison, which can be and will be vigorously contested. I watch with interest:) Regards Gordon

Hi Goldlady, Nice to here from you, and yes i will of curse keep you all up to date with events. Regards Gordon

Hi P1, I understand what your saying as i have the agreement ,BUT!, not as what is expected of them, there have been times where i've given pointers for them to chase knowing fine well they cant come up with the goods,and knowing their replys are bascially rubbish, as in the past, the info they have used not been truthfull, ie the info they have provided the FOS about me, and i send those pointers so that they reply accordingly, and as it has happens they are doing themselves no justice what so ever in their replies, as they are completely incorrect, so that leaves me to collect all of the info they send and have sent, to build a case which they can not get out of, i mean it is partly to do with them owing me £5000 in PPI, but i'd rather give them a big fight in order to discredit their way of doing buisness, in my case it's personal. Thanks again for your outlook....i think most case's seek the same diligence, but the results can be for different reasons. Kind Regards Gordon

Hi Phatram, Below is an example of the kind of things you could include along with P1's example, edit as you see fit. http://i272.photobucket.com/albums/jj161/nodrog1972/GordonHFCCCAresponsemain1a.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/GordonHFCCCAmainresponse1b.jpg Hope this will help you out. Regards Gordon

Hi P1, What a nice little rendition, nice one. Regards Gordon

Hi Phatram, Gather a copy of all the letters you have sent them regarding your request for your CCA, then also type up a letter stating that they have failed on your numerous requests, then go to John Antell barrister and download the Consumer Credit Act 1974, then look through it carefully (sections 77-79), then create your letter and also state that this letter is you final response to this saga, that they cannot alter/charge or display and penalty of any form while the account is in dispute,then as i said in previous threads,collate all your documentation including the final response that you have typed up, then forward all documentation to Trading Standards, The Commissioners Office, The office Of Fair Trading, and the Financial Ombudsman,(all recorded delivery) then sit and wait. Regards Gordon

Hi everyone, Another day and another page turned or is it booked marked? just to let you know what HFC have posted me lately. If you look at the balance oustanding on the link below it states a whopping £31,871.78 http://i272.photobucket.com/albums/jj161/nodrog1972/hfcoutstanding1a.jpg If you look at the link below it states an outstanding balance of £19,355 http://i272.photobucket.com/albums/jj161/nodrog1972/hfcoutstanding2a.jpg To me that equates to a total of £12.516.78 miss-calculated. you guy's will also see that in the letter itself it sates that "HFC will pass my debt onto an external agency, whome will come to my door with an objective to collect the balance outstanding. ... What are they like:) those silly people, dont they realise that it would have to go to court before anyone could "with an objective " pay me a visit, and even then there would be legal issues. The next thing, is of a letter i recieved today, as you will see dated 20 febuary 2008, then why oh why would they have a letter dated and sent by me on the 26 febuary 2008, 1st point the letter in question is this link below http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCADaramola.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCAdaramolaa.jpg 2nd it is dated 26 january 2008, it was claimed that it was never recieved with the telephone complaint. So they have now admitted they have it, and they seem to think that the reason for all this is because i am in " financial diffuculty", if they looked at the letter i sent with the telephone complaint they will see the reasonfor all this, and as this situation goes along , they drop themselves in it further and further. So you good people on this site, stick in, dig in and dont give up. Regards Gordon

Hi Phatram, To be really honest.... if this is what they have sent you, and if this is what they consider to be a "True executed copy of a legal document", then i am affraid we are both dealing with the creme de la creme of true amatures. Section 77 s1(a)(b)© are fully explained in the Consumer Credit Act 1974, if they cannot read or they are just blatantly stupid (both points being correct in my view of course) then they do not have a case and the credit/finance or loan agreement you have with them is still in dispute.. Regards Gordon

Hi Phatram, Your post needs more clarity. Regards Gordon

Hi phatram, i think now is the time to gather all your documentation, collate it appropiately, and send it recorded to the oft, trading standards, the information commissioners office, and the fos. Post the docs ASAP, then wait for your replies, meanwhile as you have stated to the bank via your CCA request, (that they have failed to properly act on), they are not by law to alter you credit file while they are in default, any such doings constitute as criminal acts, as a bank should know better this will count against them also. Only If you are absolutely positive that they have failed in their duty to supply you with all of the documents that are consistant and part of your CCA ,should you stand firm,and make copies of all documentation, if they wish to take the matter to court then they would be rather foolish, i think that maybe this is to make you panic and submit you, to get what they want from you,as i said only if you are completley sure they have not done what you have lawfully requested of them ,stand firm, collate and copy all documentation, then send it to the above groups ASAP. Stuffem!!! Regards gordon

Hi SG, Yes that looks neat. I'll wait till i have had a response from those agencies that i've took up the complaint with, then i hit them with an edited version of this, (most impressive).Just as a matter of interest, i've 3 documents stating incorrect loan amounts for the loan in question that the bank say i owe them, are the accounts department incapable of calculating accurately, or is this just the norm, as i cannot understand such blatant ignorance, as, if i were to show the various amounts that they state for the loan in question to be owed by myself, to the legal authority, the bank would be laughed out of the room, you would think that they would abide by the details of true accounts, as it is in their best interest because otherwise they are liable for compensation and costs, it's just bizzare. Very kind Regards Gordon:D

Hi everyone, Below you will find the latest step from Beneficial Finance/HFC bank. Dont believe the balance outstanding as that is rubbish (i have no idea where they get that total from), as i have explained to them, they have not fullfilled their duty in supplying me with an executed CCA as T&C'S were unreadable and that they did not send me a copy of the default that is on my account (a default i have never had), i have sent a formal complaint to trading standards, the oft, the commissioners office, and i've sent a letter to the FOS to reclaim £5000 in mis-sold ppi. The bank have said they have not recieved any letters regarding this stutation other than my first coplaint, (bo****ks), i've sent important mail via recorded and general mail via normal post so that takes care of that, so im waiting on a reply from the above groups, and as the bank have been told by myself that they are not allowed to persue any action against me, without honouring my initial request, as they are and have been in criminal default for sometime, i see this recent letter with false info as a scare tactict, has anyone had the same kind of letter? Regards GORDON

Hi P1, If they were to go to court.....I'd love it as they have meesed me about for years, and give false info to the FOS, they have mis-sold me PPI, if you look at the CCA you'll see i've been charged twice for PPI (ASU from hamilton on the second sheet appox £80) and a whopping £3600 for ASU from HFC, also notice the boxes at the top on the right say "tick where applicable" as you notice they were pre-entered electronicaly and not ticked by hand. They are goosed so they can do what they want, i've got everything i need to hit them where it hurts. Regards Gordon

Hi P1, To save you looking through i've found the info, below is what HFC class as an enforceable agreement, http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1b.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1a.jpg Reagrds Gordon

Hi Phatram, Yes this seems fine, below is a second response made by me to a lackluster CCA from HFC, you can use it as an example and edit as you see fit. http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCADaramola.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/responsetoCCAdaramolaa.jpg

Hi P1, If you have a look at 1 of the threads i started ,HFC did eventually find what was their attempt at a CCA( 2 pages), but with unreadable t&c's and not having supplied the default notice that is part of it, they are in criminal default and have been for while now, yet they are still persistant in telephoning me 3-4 times every day, all of which has been logged, so i've been drafting up 3 complaints to the OFT, Trading Standards, and The CO. When these have acknowlegded my complaint then i will be going through the small claim procedure to reclaim my PPI. (still waiting for my SAR Subject, Access, Request, they have about a week to go). Regards Gordon

Hi Again, Have you reported them to/complained to trading standards, the OFT,commissioners information office or the FOS ? if not then i think you should do this ASAP, then you can attach the responses you recieve to you outgoing letter that you send to the people your dealing with now, as this would add a bit clout and should start getting you results. Regards Gordon