Sorry Andy,i did'nt mean it to sound that way and i thank you for all your help we will ring the court tomorrow and find out what court has it and request thier application. am i right in thinking if i go for a set aside, this means both parties start again from the begining? after a quick flick though the inter net for them to lift the stay it seems they might have a new doc that may give them more chance of getting a judgement.Regards GH

Right 1st heading........GENERAL DIRECTIONS ORDER 2nd heading ....... NOTICE OF TRANSFER OF PROCEEDINGS 3rd heading........NOTICE THAT DEFENCE HAS BEEN FILED. Why is there a £40.00 fee to pay ? for the aq

A defence to this claim has been filed. If the defendant is an individual the claim has been transferred to the court covering the area where the defendant lives or carries on business.( just read that bit so its already been transferred by the looks of it !

It has Northampton stamp on it, can we ring and ask for their application ?

letter states the aq be returnd to local court so best ring them then?

yes sorry aq (fat fingers small keys) I take it i ask Northampton ccbc or the local court?

a bit confused.com here where would i get a copy of thier application? It states the QA must be in on or before 13th april this is way over my head !!!!!!!!!!!!!!!!!!!

Ok ta Andy

Oh no LINK have ask the court to lift the stay "The court will deal with the application to lift the stay without hearing under CPR23.8c " IT IS ORDERED THAT .... THE APPLICATION TO LIFT THE STAY AND ENTER JUDGMENT IS GRANTED. IT carries on to say "This order has been made without a hearing under the courts case management powers contained in the civil procedure rules part 3. You may within 7 days of service of this order,apply to the court to set aside or vary the order under part 23 rule 10. HEEEEEEELLLLLLLPPPPPPPPPPPP

Thanks DX, just what i was thinking after trawling though the many threads

OH just noticed BRIG your now a member of the site team congrats

Hi Sillygirl forgive me what is a "spit claim" do you think i should try to get in 1st and get the claim stck out ? thought i had finshed it with the muppets. This is now 100% SB and the default has gone from my credit report ! Regards GH

Morning Brig so therefor it is statue barred then like CD said unless the start again they are chancing there arm (well am not going to bite)

IS THIS NOT NOW STATUE BARRED? or has the clock restarted? i no understand

Morning CD, i trust you are well think i will ignor yet another begging letter from HFO lets see if they bring it back from the dead . What made me chuckle was they have added another £1k on ,did'nt think they could do that ? trying to sort the fecking printer out GH

Well guess what i got a letter from T&R yesterday !!!!!!!!!!!!!!!! cant scan at the mo printer down.......... .letter headed ... ... WITHOUT PREJUDICE SAVE COSTS Dear GLORYHUNTER We write with reference to the above matter. Please note we have moved to a new address and our contact details are listed above. We wish to inform you that our client is willing to accept £xxxxxx in full and final settlement of their claim against you on condition the ammount is either paid in full or an agreement reached as to a reasonable payment arrangment on or befor the 29th march 2012. In the spirit of settlement we believe a 50% reduction on the balance assigned from WELCOME FINANCIAL SERVICES to our client on the 2nd August 2007 provides a generous opportunity for you to conclude this matter without the parties having to incur futher unnecessary costs. Please note our client reserves the right to produce a copy of this letter to the court in requesting costs if they are successful at trail. Our client is optimistic that settlement can be reached and is willing to consider any counter offers we look forward to your responce within the time frame specified above. 1....... the total ammount has gone up by more than £1k2..... ... IS THIS NOT NOW S/B3....... ..IS THIS CLAIM NOW STAYED4...... .. THEY ARE SYING THE BLNCE IS NOW £9.5K5.... .....THEY WANT ME TO PAY £2.5K ....50% ? So my friends i shall send copy of said letter to OFT to add to my WS, and without doubt i will not be paying them 1 penny or even answer they letter fecking muppets. WILL TRY AND FIX THE PRINTER/SCANNER Regards GH

Hi sorry for hijacking the thread we also have a letter from this company where would we find out if we are in the wrong council tax band? Was going to start my own thread bt after reading this one don't think I will bother Many thanks GH

Would love to help but as a Chelsea fan i cant However there are a good bunch the HFO fan club and im sure they will help you they done a great job for me, i just hang around and try to watch and learn good luck to you iamgooner Regards GH

Hi Mrs B wow what a thread,after reading it and what you have been though i think you are a very strong lady i hope everything works out for you. I lost my 1st house due to my ex selling it from right under my nose after a bitter spilt and after that i did'nt care who i hurt i had a few partners was always borrowing money a just blowing the lot on a life style that was far and away be on my means. i spent about 10 years of my life doing this (what a rotter) for the want of a better word. Anyway i then found a new lady and she has turned my life around she took one look at me and said Right you have had your fun its time to sort all your debts out once and for all. That was 10 years ago we are now married, i own my own home have a good credit record, bank account, job and to top it all we have a little girl together i still have a the odd debt comming back to bite me in my ar** but with the help of CAG we get it sorted. It may of taking 10 years for me to sort my life out but beleve me that 10 years went so fast, you know i look back now and think what a git i was (i am a man ) :)I still go out now and again and bump into a few old mate who are still the same as i was 10 years ago down the pub every night spending all there pay by tuesday night and then borrowin of other people untill they get payed again !!!!! So after reading your thread i wish you all the best on your road to recovery and want you to know that there is always light at the end of the tunnel and if i had a house that i wanted to rent out you would be top of my list GOOD LUCK TO YOU BEST REGARDS GH

Afternoon Donkey hows tricks? seems my credit report is well and truely on the up and my dealings with our friends at HFO have come to an end just like the company (fingers crossed) still keep popping in though like to keep my hands in .Regards GH

hihttp://www.apexcm.co.uk/news/press-releases/2011/09/05/apex-credit-management-and-cabot-financial-launch-new-group-brand. Try this hope it helps seems they are the same company as cobot, dont know if you have had dealings with cabot ? I did have a dealing with cabot but after some good advice from CAG they gave up had 3 letts from APEX put them in the bin seems they are chancing there arm under a new name :/ Regards GH

Mornin all i have looked at the thread but cant get my thick head around it have HFO gone yet? or have they just changed there name? knowing they are going down the pan

Ask the Boat's Permission, Check the Numbers, Get the Boat Involved, Use Vigor's Denaming Ceremony. Then cross your fingers and hope it stays afloat . (Well so they say)

Well i never thought rats left a sinking ship not just jump on to another one !!!!!!!! hello all hows tricks

I dont understand why DCA sits on DEBT for 4 years without contact to the debtor (as in my case) i had not moved in 10 years !!! i will not go into the in's and out's of my case as OFT have asked me to say nothing (gagged) Lets just say the ammount they are claiming is 8x higher than the orgianl loan, there is making a profit and daylight robbery.If i broke the law in my job then not only would i lose my jobi would more than likely end up in court, the law is put in place to protect the consumer and some DCA's think that thay are above the law. As you say comanys need to make a profit but surely thay should do that within the law ? oh and to answer the thread im a BIG NAY .