yes i do

Hi -judge granted open decree & expenses to HFC - there was no discussion on my income & expenditure - I had all my bank statements etc but he didn't look at them. God knows what will happen now but I don't think I ever had a chance.

Hi - I applied for the time to pay order but it has been rejected and now i have to go to a hearing - what happens now? I offered all I can afford but they rejected my offer as it would take more than 10 years to repay.

Thanks for the advice - I think I will offer what I can afford through the court. - Can they apply for an inhibition order on my house if it is in joint names even if my loan is in my name only - does this affect my mortgage which is with another bank? - Thanks again for your help here

Hi - it was a loan to pay off a marbles credit card. It was interest free but I just could'nt keep up the payments. I have sent HFC a SAR but they have replied asking for ID. i did recieve a default notice. I will try and work out what I can afford.

Hi hope someone out there can give me some help. I have recieved a Small Claims Summons(Sheriff Court Glasgow)from HFC bank regarding an unsecured loan of £2977. I have called their litigation department and offered to pay £20 per month which is all I can afford due to other creditors. They said if i did not offer £100 per month to the court they would look for an inhibition order on my home. What is my best course of action - Time to pay direction or time order application Any help is really appreciated as I am starting to panic. They have also sent me a copy of the origonal agreement form.