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  1. Hopefully this SAR will help me out then, as I have zero proof on what they told me, and I'm sure they won't have kept any records that may work in my favour. Any news on what is actually happening with HFO/TR having their licences revoked etc? I guess that no matter what happens i'll still be stuck paying this CCJ until I get the set-aside done. Can't see me being lucky enough for them to go bust and my debt disappear! lol
  2. I'm afraid I think you're right...I believed it to be SB'd as I researched this at the time. I explained this to HFO when they first contacted me and they assured me 100% that I made a payment in Jun 2005, making Feb 2011 within the time limit they had to claim this was why they were beginning the court process... I thought I was big and clever by discovering what I thought about it being SB'd but guy from HFO shot me down telling me that it wasn't. I guess that as I was stupid enough to fall for their lies, the debt became 'live' again the minute I paid them money? G
  3. There is nothing on my credit report under HFO or Turnbull Rutherford or Welcome; only a CCJ for Northampton Court. Not sure if I'm correct but I think the reason it doesn't show on my credit report is because the loan was taken out in 2005, and went into default in 2005 I'd expect, don't think I heard from HFO until 2011 so not sure if it had already 'expired'...if that actually happens...?
  4. Thank you once again to you both for your time, it is hugely appreciated: seems you spend day (and night!) helping people like me. I'll defo get that SAR off and see where it takes me.
  5. DonkeyB, tried to reply to your PM but I haven't got enough posts yet (not ignoring you, but nothing I can do on that until I post more...) I don't believe I have any other docs from HFO or Turnbull Rutherford i'm afraid, as I'm sure you've also realised is that I'm awful at keeping documents. If I'd known that all of this was going to to happen, I'd have kept everything, inc telecons with them. All I know is that the original loan and debt was with Welcome finance, HFO services initially pursued me for it, which seems to have become HFO capital and also Turnbull Rutherfor
  6. I think I have attached it correctly. Sorry for the quality! I've removed the image for now as I did it wrong, will try again but sure you saw it anyway... (ps please don't rob me!)
  7. Hi Dx, I haven't sent it yet, but plan to. I was under the impression that Welcome finance went into administration some time ago (?) Perhaps I am wrong! I will try and find an address for them. I have an account number with them so guess that's a start. I assume this is to request any docs they have that I signed up to. This could be crucial as will prove/disprove whether HFO have the correct info (if they have anything at all!) Thanks, Shaun
  8. I'd be happy to scan the document and sent you it...? or a photo on my phone, sent to you? I started getting phone calls and letters in around 2011 I believe (original loan was taken out in 2005 just before our daughter was born and was for, I think £1,500ish). At first I told them I wanted proof...Documents, agreements etc etc. and just kept ignoring them. Then, I agreed to start paying (if i'm honest, just to appease them: I never actually made a payment). They came back a few weeks later and asked why I wasn't paying (including phone calls to work despite telling them no
  9. Thanks DonkeyB, HFO Capital Limited are the Claimant on the court Judgment. Turnbull Rutherford Solicitors (Building 3, Chiswick Park) are the address for payment. Interestingly I found a letter dated 2011 from HFO Services (PO BOX 342) so I guess they've changed names...? Guess we're dealing with some awful people here right...? Shaun
  10. Thanks for the numerous replies... I received a copy of the documents the court held on the case today, and it is just a document telling me that I did not reply to the claim form automatic judgement was made so to please pay HFO directly...Hence the AOE. Its probably quite clear that HFO sent me the N9A form, to which I did not admit or agree to the debt, and included all my reasons for this. Clearly, they didn't like reading this I assume and told the court I had not replied. Debt collector or not, if it was obvious that I was not admitting to the debt,
  11. Sincere apologies for the delayed response, I didn't realise that anyone had replied: it is however GREATLY appreciated. SO, to confirm: *I am positive that I did not admit to the amount they were claiming and that I am positive I included a 2 page letter detailing my requests for original paperwork etc. *I think that I sent the N9A form back to HFO/Turnbull Rutherford at their request/advice but not 100% sure. *I haven't spoken with anyone at HFO since probably late 2012, just prior to them starting the CCJ process. The last conversation I had with them was becaus
  12. Thanks for the reply...just what I thought, but only in hindsight! I plan on trying to get all the info from the court if possible to see what they presented. I did include a letter with the declaration of earnings etc stressing that HFO had not followed up my request to supply original agreement or even a breakdown of original loan, interest charges etc. The biggest thing for me now is whether or not I can actually 'appeal' or contest the CCJ? I would be sickened to think that they can just apply to a court the way they did and have me paying £50 a month for th
  13. Hi all, i'm desperate for some help! about 2 years ago I received a letter from HFO services to say that I owed £6k+ from an old Welcome loan. (included interest/fees etc) They threatened me with baliffs etc unless I set up an agreement. I made it very clear that the amount they were stating seems very high in comparison to original amounts I borrowed (which I think were around £1,000-£2,000). Bear in mind that the loan was from around 2005. Under duress I set up a plan for £50 per month but told them that I still wanted to see the original agreement. 2-3mths p
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