We have a charging order on our property which we are going to fight, but ours was put on last year for £12,000 and now this year within 7 months it has gone up to £15,500 apparently they can charge interest on it by the day. We are in the process of taking HFO Services to court for a loan that started off with Welcome Finance for £3,700.

Hi out there, Does anyone know of any legal aid solicitors that would help us fight HFO services and Turnbull Rutherford solicitors. We know we have a very good case against them but we need someone to speak for us.

Hi , I just want to hear if anyone has got the same problems with HFO and their solicitors Turnbull Rutherford as me. In 2004 I purchased a car on HP from Welcome Finance which left me with a balance to pay of £3,729.48p. I made 4 payments of £145.77p per month until I had a bad accident and came out of work. I got in touch with Welcome finance explaining my situation and requested that they took the car back as I could not keep up the payments. They sent someone to pick up the vehicle straight away. At this point they informed me that they would write to me detailing how much they would get for the car and what amount left I would be paying. This never happened so stupidly I thought that was the end of the matter. However 4 years later I receive a letter from HFO Services saying that they had purchased a debt from Welcome Finance and we owed them £9393.05p. I went to C.A.B. and they made it that we paid £1 per month because I never worked again after the accident. In 2010 they took me to court and got a charging order on my property for £12585.63p. On the 17th February 2011 I received a letter from Turnbull Rutherford stating that I now owed them £15850.21p and that I had never made a payment offer since going to court. I had paid my £1 on a regular basis since 2008 but now they are threatening to take further legal action to force a sale on my property if I dont offer a substansial monthly payment. Just before this letter I received a phone call from a young lady at HFO services who was nasty and belligerent who told me I could afford to pay a minumen of £150.00 per month because she considered that my wife and myself wasnt allowed any kind of life and we should only be allowed to have £125 per month for food and household expenses. We have a meeting with C.A.B. this Friday to see if I can get help with this massive problem. We have requested from Turnbull Rutherford that they send us the original documentation of our HP agreeement and proof of what was received from the car and they tell me that I have to pay for that. How do I do this with when they know I cant afford anymore money HELP.