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Grub Granny

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Everything posted by Grub Granny

  1. Yes you are right, then in the post this morning another letter from a different outfit for the same amount of money but double the amount in interest! We are emailing our friend to find out what he is playing at. Obviously we won't be paying them both or even either of them. This letter is even more threatening saying "if for any reason the above sum is not received to us by the 31st December, 2014, we now inform you that a county court summons or bankruptcy proceedings will immediately be issued. If this happens interest and legal costs will be payable on the debt, which would substantially increase the amount you will ultimately have to pay, as detailed above". Of course if they made us bankrupt no one would be paid so it seems a strange thing to threaten us with!
  2. we haven't kept them in the dark there has been regular emails between us until this letter from the 'fleecers'. We are going to email our friend and give him an up to date view of the situation and tell him we are not going to deal with Watson Hope & Co whatsoever and certainly not going to pay them any fees. I just think the over the top tone of their letter which is very threatening using words like writ and Civil Procedure Rules are there to intimidate and hopefully we will pay up. Lets see how we get on.
  3. No it was a case of pay me when you can, I trust you. This has always been our intention and hopefully this will happen towards the end of January
  4. First communication from DCA and nothing directly from our friend. We can't pay him just yet but probably January
  5. Just had a very tatty letter delivered today from the above. It looks like it has been opened and taped shut a couple of times! Long story short, we borrowed some money from a friend on the understanding we would pay it back when we could. That time is hopefully almost here and we intended to pay it back with interest. It's about £7.5k. We received this letter saying they are instructed by their client, our friend, to collect the debt that has "been outstanding for far too long"! it's pay up now or we will issue a writ, their words, now I know they can't do this as they are only an accountancy/debt collection company, but they want a collection fee of over £1.1k!!! We are to send a cheque payable to our friend to them. They are saying the letter complies with the Civil Procedure Rules, new to me, but I'm no expert. We have nothing is writing from our friend, we intend to pay in full with interest, but I'm not sure I want to pay any interest after this letter from this outfit. What do you think would be the best course of action now
  6. Ok thanks for that. I'll request SAR from HFC Bank next week. I'll post when I get reply. Many thanks for help so far
  7. Okay I'll continue paying GM Card account direct and wait for Restons to write to me again requesting I pay them which I assume they will!
  8. Hi Dx, They are not refusing my reduced payments at all. I just got the letter from them yesterday asking I pay direct to them and not to the original GM Card account which I have been doing. I haven't had a yearly statement from them which I believe is mandatory, I've written and asked for that this morning. I was concerned as the heading of the letter said HFC Bank v yourself they were building themselves up to perhaps take me to court. Remember I haven't not paid each month and the £20 reduced payments haven't been refused and I haven't been asked to pay more. Am I opening a can or worms by asking HFC for a SAR?
  9. Just got a copy of my CRA file from Experian. My GM Card is listed under HSBC which I believe own HFC. I took the card out in 1994 a bit later than I originally thought. I've checked the payments against what I owe, it has gone down £20 per month over the last 2 years except for 2 months where it shows a zero balance and a green circle with a ? in it. Current balance £11,900, I pay every month so I don't know what that means, otherwise things seem in order except my Nat West Access card isn't listed at all!
  10. I've always paid against the card, over the years either the whole amount or part amount always more than the minimum until June 2011 when my contract finished and I didn't have the income coming in. As I said in an earlier message I wrote to all my creditors and they accepted £20 each including GM Card, I have continued to pay this without fail every month since. I've sent a letter this morning to Restons asking for a year end statement since June 2011 as I haven't received anything from them whatsoever. I'll also get a copy of my CRA file now and see what it says.
  11. Thank you that's what I'll do now. I'll post here once I get a reply, is it a statutory requirement to send out annual statements do you know?
  12. Okay. Don't I request the statement from HFC? I've paid £20 per month since June 2011 without missing a payment so to date I've paid £560 off the debt
  13. Excuse my ignorance but what's a VRa file? Me and GM Card go way back, I must have taken the card out about 1985/86 can't really remember. My concern is I'm opening a huge can of worms. Could the letter from Restons just be a general pay into this account from now on and nothing else!! Okay stop laughing
  14. Hi It was a GM Credit Card. I told them in June 2011 that I couldn't service this debt, total currently about £12,500, I informed all my creditors and offered them £20 per month to each of them. I have continued to pay this amount to all of them without fail, fending off some requests for more with some rather interesting letters which like everyone else they completely ignore but ultimately accept the continuing £20 per month. I have refused all attempts from any of them to get me to fill in a financial statement except I have heard nothing from HFC or Restons since a threatening letter back in June 2011 saying I had failed to make a payment with the usual threats of legal action, I replied saying I had continued to pay and would continue to pay until I can pay the debt. I heard nothing since! I have only just realised after the letter this morning that I have not had an annual statement from HFC saying how much I owe them, is this not a statutory requirement? I have never asked for my CRA file. I have also never rung them on great advice received here. I'm just concerned they are planning taking me to court hence the header on their letter of HFC Bank v Me! What's my best plan of action please
  15. This is the first time I've posted so I hope I'm in the right place! I'm just after some general advice. I received a letter today from Restons Solicitors on behalf of HFC Bank. This is the first communication I have received from them in over 2 years. I agreed £20 per month payment to service my HFC bank credit card and have been paying without fail every month since into the HFC bank account as instructed. I have not received a 6 monthly or yearly statement of account to show how much is owing on the debt or indeed anything else from them. The letter this morning is headed Re: HFC Bank Ltd v Yourself. This in itself sounds legal and I do wonder if they are working themselves up into taking me to court to try and get more money, which would be impossible. The letter is just "reminding" me that they are instructed by HFC bank to manage my account and I should use their account to pay future payments into. Am I being paranoid or should I expect more? I have not asked for CCA info or anything from them. Would it be sensible just to change payments into the account they request and shut up or request anything from them, I don't want to open a can of worns!
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