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    • Your case shows the idiocy of employing a solicitor to do things you could easily do yourself. Had Countryside dealt with their own case they would have entered judgement on 4 June and there would have been no way back for you. But they thought they were clever by running to Rachael and Sean of BW Legal for a more "professional" (aye, right) service.  These dodgy solicitors can only make money on private parking cases by doing everything on the ultra cheap and certainly cant check the judgement date for every single separate case. Ho!  Ho!  Ho! Anyway, glad you got the defence filed OK. The next stage is that the central bulk court will send out a simple form called a Directions Questionnaire to you and to Countrywide which is part of the allocations process to your local court.  If you read this short thread you will see all the stages of the court process  https://www.consumeractiongroup.co.uk/topic/406892-highview-parking-anpr-pcn-claimform-urban-exchange-manchester-claim-dismissed/#comments
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    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation (7500km)... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
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HFO Services


GAVH1981
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I have today recieved what in my eyes was a threataning phone call from a person called Philip at HFO Services, He said he was the manager i think ( i found him hard to understand with the accent he had) He told me that i owed over £3k to a company called Welcome Finance who had sold the Debt on to them. I was aware the debt was there. Anyway to cut a long story short He called me whilst i was at work i explained that i could not talk to him, but if he could call back in the morning i would talk then. He refused and said this needs to be sorted immediatley. I said i am a single bloke earning not much money, so i could only afford £40 per month. He said this was not enough and that it should be at least £170 with an immediate payment of £100 to stop a distress warrant being issued. I said that its too expensive and i simply cant afford the high payments. He then informed me that coz i aint paid today, someone will be visiting me for payment!

 

I see other people have had dealings with this company. Where do i stand?? HELP!!

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Hi Gav

 

Welcome to the HFO fan club. They are 1st class bullies. Just don't speak to them on the phone, and only deal in writing. Have a look at the other threads involving HFO but don't panic.

 

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I intend to tell him when he calls tomorrow, that i wanna comunicate in writing only! The Debt is mine, Can the still harrass me like they do?? If i make an offer of payment per month can they refuse to accept it??

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You also may wish to have a look at the OFT debt collection guideance to know which parts of it they are breaching http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Can the still harrass me like they do??
Quite simply no they can not. There are laws in place to prevent this. Here's a link to one of them Debt Help UK - Administration of Justice Act 1970 | UK debt consolidation service with free help and advice Point 1. refers to your situation as they phoning you at work.
If i make an offer of payment per month can they refuse to accept it??
Lawfully no they can't, but they tend to ignore the laws that get in the way of how they do business.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have just found the Card that i recieved Through the post from a company called 'First Direct Logistics' Saying they had a package for me. I never rang to claim the package. When they say they have contacted me by post is this what they mean? Is it Legal to do this??

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Hi Gav. The more I hear about these ******* at HFO the more I boil with rage! I am having problems with them too. They sent me one of their stupid First Logistics Cards, then they started phoning me, and then I got a letter from their Solicitors saying I had been "unco-operative" and they were taking me to Court. From what I have read here, they do not act within the Law at all, - they just ride roughshod over all the rules, and hope to bully and intimidate people into paying them money. Whatever you offer to pay them, they will either refuse it, or accept it for a month or so and then force you to raise it. They seem to prey on what you might call the more vulnerable in society - women alone, single parents, those on low incomes etc.

 

The advice I got from this Forum was to refuse to talk to them at all on the phone, and send them something called a CCA Letter, which you will find in the templates section here. This basically asks for a copy of your original credit agreement. If they do not have that, they cannot enforce the debt as I understand it, although HFO will tell you otherwise :rolleyes: When you send the letter, send it recorded so you have a record of sending it, and you can track it on the Net to see that they have actually received it. Also send a Postal Order for £1.00. Also, when you send the letter do not sign it wth your normal signature!

 

I wish you luck with this situation. I am fortunate in that, so far, they have not traced my workplace - they phone me on my mobile phone - constantly :rolleyes: I have told them I will not deal with them on the phone but they don't seem to listen. I believe there is a letter about telephone Harrassment available on this Forum, that you can also send to them, just to cover yourself, especially if they are calling you at work and jeopardising your job.

 

Good luck.

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I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Dont sign anything and ensure you send it recordedm so you can trace it

 

I didn't write that on mine :sad: Is that a problem? I am actually totally terrified of these people - just trying to put on a brave face.

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He just rang again 4 times in 5 minutes. I told him no communication on the fone. then he abused me. I hung up and he kept ringing back

 

Wow - that IS harrassment, and I would think grounds for sending one of those Harrassment letters! I know they phoned me a couple of times last night, but now they are trying to hide their real number behind one that just comes up with "ID Withheld" or "ID Unknown" I just choose to ignore anything that comes up like that on my phone. I've even just managed to borrow a friend's old mobile (she has just bought herself a new one), and have given that number to all essential people, such as my Dad, my office etc, so I can safely ignore any "ID Unknown" numbers on my old phone knowing anyone important will call me on the other one.

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Hi Gav, Just want to formally welcome you to the Society for HFO victims!

 

Please don't despair. Read everything you can in all the threads and you will soon realise that things are not as bad as they seem.

 

Good luck

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He just rang again 4 times in 5 minutes. I told him no communication on the fone. then he abused me. I hung up and he kept ringing back

 

Go to a football shop. get football siren. problem solved.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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HFO sent my landlord one of their silly cards, we have a safe place for parcels here and somebody to sign for them so we knew it was a fake.

 

They sent me an email asking if I wanted to work for them - I didn't reply as I think they are a nasty lot - they insisted I could earn £30K+ a year from a basic of £18,000.... and that the workplace was a fun, money hungry environment.

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HFO sent my landlord one of their silly cards, we have a safe place for parcels here and somebody to sign for them so we knew it was a fake.

 

They sent me an email asking if I wanted to work for them - I didn't reply as I think they are a nasty lot - they insisted I could earn £30K+ a year from a basic of £18,000.... and that the workplace was a fun, money hungry environment.

 

Glad they think it's "fun" to drive people to tears, and harrass some into even contemplating suicide just to get their "money-hungry" hands on a few more pennies :rolleyes:

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Here are the links to the job ad and their advert on the internet

 

Call Centre Sales Agent Wimbledon Call centre telesales jobs London

http://www.hfoservices.com/home.html

 

The job advert is quite misleading as it doesn't really say you are going to be debt collecting (and making those 'phantom visits').... just building customer portfolios and increasing their values...

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The Administration of Justice Act 1970

 

Anybody know who to go to , to enforce this act.

 

HAK

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Trading Standards I would imagine.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I would send them a copy of your income and expenditure along with offer of payment and just keep paying that monthly - under no circumstances should you speak to them they will bully you into all sorts they are bad people who think they are above the law.

 

Good luck

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