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Posts posted by genesis01

  1. Another HFO thread gone quiet... a cynic might get suspicious... any updates?
    just had another call from hfo to my work place sent phone letters and statute barred letters had no contact from them until friday when they again rang my office my secretary deserves a medal for the bollocking they got from her will now hit them with a letter to oft and the courts over the stuff they sent in december, cant wait till end of month 3 weeks work in aussie and tahiti [i work installing and programming food packaging machinery]
  2. sorry for not replying as been out of country for 3 weeks got home to a letter from hfo as follows

    we note with great regret that it has become clear to us that you are refusing to pay your debt. our investigation into your account is now complete and we can confirm your case that your case ihas been qualified for litigation. you will see that the balance of your debt continues to increase.


    you are now on a 72- hour notice of litigation.we should warn you that if we do not hear from you within 72 hrs, your account will be passed to our solicitors for legal action, this will result in an immediate increase in your debt because hfo's legal fees will be added to your debt.you can avoid this by calling us immediately.


    once our solicitors have reviewed your case they will issue a claim form against you in the county court the cost of litigation will be added to your debt this includes court fees, accrued interest and further solicitors costs, when they have obtained a ccj they are saying that they will get an attachment of earnings


    they also included a load of stuff from hmcs ex326,ex50 a form stating solicitors costs, are they trying to scare me?

  3. started getting phone calls from these lowlife, average 6 a day, also they are ringing my place of employment,had a loan from welcome over15 years ago couldn't make some payments,moved house, lost contact with welcome,they then found me 8 years ago no contact from welcome for 7 years then the first call came just over 2 weeks ago. they stated that they had purchased the debt from welcome and that they wanted payment,i replied that i had no knowledge of a debt from welcome,and that i owed no money to hfo services the phone call was terminated by myself. the next call was 30 seconds later then another 30 secs later,then on average 5 calls a day which i refuse to answer they then rang my place of employment [i have a good secratary] they have rung me 6 times today answered phone twice as i didn't recognise no' as soon as i realised who i was talking to i terminated the call,what is my legal position at this moment in time?

  4. i have a car loan with bct which i have got the last payment to make this month (see my thread on taking on bct and winning:grin:).there are charges on this account,ppi which i believe i was missold because-: A, i was self employed,b was told that i would not get the loan if i didn't take ppi out, B,late payment and letter charges,C,gap insurance. These total £3667 without interest which is at the rate they charged me 34.7%:eek:. yes i was in debt when i took car loan out but i needed car for work. what i need to know is that can i claim back any of these monies ppi, £2318, late payment and letter charges £1127, gap insurance,£320 thanks in advance for any info. genesis01

  5. thank you,just been to court today fighting british credit trust, looked on forum yesterday for info on this famous:D company as they wanted return of car after paying 15k, or balance of 4k, turned up at court explained to judge that problems had started after death of father in law (died skint) and that the missed payments (4no) paid for a funeral, judge stated to b.c.t.solicitor that a suspended order would be made, as long as i paid the remaining balance at the agreed rate i can keep the car,solicitor said b.c.t wanted car, judge basically said tough, suspended order stands, result:cool: now to reclaim letter charges. thank you for the info on the forum;)

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