Oh dear........... Well thank you for all your time and effort. It wont be the last clain I get stng with and will learn from this

Sp please tell me what I can do now in laymans terms? I acknowedged with the court 20/3/11 stating I acknowledged part of claim ( yes i do owe money, and was paying it with another agent) so no doubt of that but am going to defend the rest I don think I have much time left now to do things.......do I?

Hopefully this should post..cred.pdf

Think I made a mess of the scan so have tried this......... IN THE NORTHAMPTON (CCBC) COUNTY COURT CLAIM NUMBER: BETWEEN HFO CAPITAL LIMITED Claimant -and- Defendant PARTICULARS OF CLAIM The Claimant, 1-IFO Capital Limited is engaged in the business of purchasing debt and purchases debt from various lenders. The Claimant purchased the Defendant’s account and all rights and benefits attaching thereto from Hbos (‘The Original Lender”) on 17 July 2008. 2. The Claimanfs claim is for monies owed under an interest bearing credit agreement dated 16 July 1999 (‘The Credit Agreement”), which is regulated by the Consumer Credit Act 1974, between the Defendant and the Original Lender, the debt due there under having been assigned to the Claimant. 3. Under the Credit Agreement the said sum was to be repaid by the Defendant by way of monthly instalments. The Defendant has defaulted on payment and is in breach of the paymcnt clause of the Credit Agreement. 4. In compliance with Section 136 of the Law of Property Act 1925, the Defendant was given written notice of the sale of the Defendant’s account from the Original Lender to the Claimant. 5. Despite numerous written and verbal requests made by the Claimant’s collection agents the Defendant has failed to pay the said sum and remains indebted to the Claimant. 6. The Claimant is entitled to claim contractual interest pursuant to the terms of the Credit Agreement at a rate of 1 7.00% per annum from the date of assignment to the date ofjudgment or sooner payment being at a daily rate of2.83. 7. The Claimant is entitled to claim post judgment contractual interest pursuant to the terms of the Credit Agreement at a rate of I 7.000/0 per annum. or sooner payment. AND THE CLAIMANT CLAIMS 1. Principal sum of6,065.66. 2. Contractual interest on (1) above from date of assignment to date of issue in the sum of £2,728.12 3. Contractual interest on (1) above from date of issue to date of judgment or earlier payment at a daily rate of2.83. 4---Gr-in the alternative, statutory interest pursuant to section -69 of the-County Courts Act 1984 to be assessed. Dated: 10 March 2011 Statement of Truth The Claimant believes the facts stated in these particulars of claim are true. I am duly authorised by the Claimant to sign these Particulars of Claim. Full Name: Mr Jonathan Tytherleigh Signed Litigation Paralegal Name of Claimant Solicitor’s firm

Will scan it at work tomorrow.....and upload it. Its long!

A letter has arrived stating more particulars of claim

They are claiming full amount, ( which is slightly less than all the letters they have sent me state!) Issued from Northampton Court and I can reply online.

Hello Sorry, in my panic I messed up, Calm now have reread everything. The issue date was 7/3/11 and I have to have wrote back to the court by 20/3/11, so will have to post tomorrow. I have typed in above the particulars of claim and a synopsis of what has happened in the past.

date of assignment 17/7/08 Original lender HBOS Just found a letter with photo of my house, A complete property register they had done and a credit list showing everything i pay in and out!

What is a CPR31.14? I have looked around the forums and still not sure.

Please please help. I do not deny owing money and can pay a little a month but I only owed £5027, and interest had ben frozen, but they stated it is £6159 and the interest is ridiculous. I one other letter I have it states that I defaulted etc etc, but does not mention that I had been paying another company for 2 and a half years!

HFO Ireland Particulars of claim " The claim is for monies owed to the claimant by the defendent pursuant to an interest bearing credit agreement regulated by the consumer credit act 1974. The claimant was assigned the defendents debt and all rights and obligations attached thereto by Hsbos ( original lender) The defendant has been provided notices of assignnment previously. The claiment claims contractual interst puruant to the terms of the credit agreement at the rate of 17.00 per annum from the date of assigment to the date of judgment. he claiment is also entitled to claim post judgment contracual interest on the same terms. Full particulrs of claim to follow in accordance with the CPR practice direction 7C ( Para 5.2)

Well finally have got court papers off HFO services, and do not know what to do now.. Do I acknowledge some of the debt or defend myself.? Quick background... In 1999 I took on a loan with Capital bank, which when divorce reared up I could no longer pay, as my life and head went into a downward spiral. I really cannot remember much, but eventually the debt was past on to 'Intrum Justitia' and from 2005 I paid monthley payments, never mised one as I started to get myself together. This went on to the 22/1/2008 when I received a letter from said company ( I still have it) to state that account had been returned to clients at their request. I rang HSBOS and they said account was closed.. Which I didnt understand as I still owed £5000. The next thong I heard was in Oct 2008 when I had a letter from Turnbull Rutherford who stated I had a principal owing of £6159 plus interest of £4939 !! and tha they confirmed I was an homeowner and were looking to enforce payment by a charging order. Then the phone started. I did speak to them once, but denied owing THEM any money and not to ring me, but to send paperwork . I then got lots of threatng letters for a while then it all stopped. 2010 it started again, Litigation letters, and one ( which I cannot find...which showed a photo of my home etc etc, after finding this site, I sent them a CCA request which was delivered on 23/08/10 . On the 24th I recieved a letter which states in one line " Forward the file for escalation of colection activity, whether by legal action or otherwise" Stating that they will obtain a enforcing judgement by attachment of earning from my workplace...naming the workplace. I do ont know how they found out where I worked!!! I decided after this sod them, nasty S.O.B's, and that I would rather deal with court than them.!! I finally got a photocopy of my credit agreement on 17/9/10 I have about 48 hours to reply to court hearing. Any help and advise is sorely needed!