HFC Loan and DLC/Hillesden assignment?

[mcuth]

After 3 months of silence, yesterday I received a standard "Notice before proceedings" letter from Ruthbridge advising that a county court claim will be issued in 7 days - apparently, proceedings will continue in Kingston County Court, uhuh, yeah, riiiight

 

Am filing this one under "ignore" - if they want to start court action, then bring it on 'cos I can't wait

 

Cheers

Michael

[mcuth]

It gets better - today I've had a "Without Prejudice" letter from my friend Jason Evans in the Legal Department at Ruthbridge. This states that despite their "many attempts to contact" me, I "have totally ignored or disregarded all [our] efforts to resolve this matter" and they're now advising their client to commence bankruptcy proceedings - of course the letter warns of all the perils that that entails ()

 

The alleged debt, by the way, is for £765.82, so they could go for bankruptcy legitimately. Whether they do or not makes absolutely no odds to me - I'm actually planning on going bankrupt later on this year, so they'd save me the £500 in fees!

 

That said, I wouldn't like to miss out on the opportunity to completely humiliate this bunch of chancers (along with DLC/Hillesden) in court - which is what would happen if I accepted an attempt to bankrupt me so I could save the fees! Oh, decisions decisions....

 

Cheers

Michael

[mcuth]

Awww bless, I've had another Without Prejudice letter from Mr Jason Evans at Ruthbridge - I am, apparently, "hereby given notice that bankruptcy proceedings are due to commence" and they will be advising their client "no later than 14-08-2008 to issue a petition" for my bankruptcy (hmm, methinks they'll have to issue a Statutory Demand first, in order to get the right to petition....).

 

That said, they are, rather generously, offering a final opportunity to avoid legal proceedings and are prepared to accept a lump sum payment of £513.10 in full & final settlement. And, get this, an added incentive is that their clients would mark the debt as "satisfied" with the CRAs.

 

Wow, what a wonderful offer - let me rush to take them up on it............. NOT

 

I would dearly love to save £500 on bankruptcy costs, but I think it's time for me to draft a little missive to my new friend....

 

Cheers

Michael

[mcuth]

....whoops, duplicate

Edited August 8, 2008 by mcuth
Duplicate

[mcuth]

My new friend Mr Evans obviously doesn't want to end our correspondence so soon by making me bankrupt - he's written again from the "Litigation & Enforcement Centre" (ROTFL) saying that Ruthbridge have been instructed to recover the debt and there's no mention of bankruptcy!

 

Shame that...

 

Cheers

Michael

[mcuth]

Update - Ruthbridge are now offering their "debt counselling service" for this - just written back saying I'd rather they petition for my bankruptcy

 

Cheers

Michael

[Faded-rose]

I am dealing with DLC/Hillesden Securitiies re: Egg card debt. It has been going on now for a few months. I asked for a true copy of the agreement etc which I received - dated 2003 and looks to be my signature etc. I have a 'Lifestyle" sheet to complete and return. Why do I need to include partners income when the debt is in my name? Can anyone advise?

[foolishgirl]

I am dealing with DLC/Hillesden Securitiies re: Egg card debt. It has been going on now for a few months. I asked for a true copy of the agreement etc which I received - dated 2003 and looks to be my signature etc. I have a 'Lifestyle" sheet to complete and return. Why do I need to include partners income when the debt is in my name? Can anyone advise?

 

Hi Faded Rose - welcome to CAG

 

You say you have a signed agreement but is it enforceable? i.e. does it also have the prescribed terms on it? Many Egg agreements are dodgy.

 

If you want comments on it post it up (minus your personal details) but suggest you do so on a seperate thread in the Egg forum.

 

BTW you don't have to send any I&E details to these people. If you feel you want to negociate a payment plan with them, do it on your terms. Decide how much you are going to pay monthly & suggest they agree to that or take you to court where you will plead poverty & they will get even less!! And do NOT sign a direct debit - insist on setting up a standing order. DDs leave you exposed as you do not have the same control over what is taken from your account & when.

[Faded-rose]

Hi

 

Thanks for the reply - really useful. I will look in detail at the agreement to see if its enforceable using the info on this site (Egg thread also).

[garyshar01]

Well you really don't have aything further to say to them.

 

I really like this part

 

So that would be a reconstituted agreement that is COMPLETELY unenforceable in court.

Oh dear so sad.

 

Time for TS as this is a totally unsubstantiated debt;)

 

I just wondered where a reconstituted agreement isn't enforceable in court and the law that supports your claim because I am in the process of exactly that situation, a charging order backed by a reconstituted agreement and it would be great to know how I can bat the ball back.

 

thanks