hfo & croydon county court

[no fear]

sent cca letter in march 2007 to hfo received reply to say it could up to 8 weeks to get information never heard from them again but after just checking my credit file there is ccj dated 22/11/07 for this debt is it to late to defend this

[Curlyben]

It's to late to defend, but a set aside should be more than possible as it sounds that you didn't receive any paperwork from the court.

 

You need to get all the relevant information from the court and make a start on this.

[no fear]

thanks how do i get the information

[Curlyben]

Your credit file should have the details of which court and the case number.

I would imagine it was Northampton Bulk Centre.

[stan5131]

Be careful of these cowboys. They dish out charging orders like confetti, even though they dont have the relevant paperwork.

[no fear]

just heard form croydon county court and they have set judgment aside

 

waht happens next ?

[Bigmac versus]

Moved thread to DCA.

[Docman]

Moved thread to DCA.

 

Where's DCA?

[sillygirl1]

HFO need to be reported to Trading Standards and the OFT for this, they should not be doing it at all - if they are now using Croydon instead of Wimbledon County Court the people at Croydon will soon be fed up with them clogging up their system.

 

Report them pronto without informing them of anything, after all they haven't sent you paperwork or replied to your CCA so that is another reason to report them.

[Bigmac versus]

Where's DCA?

 

Your in it (Debt Collection Agencies)

[Docman]

Your in it (Debt Collection Agencies)

Sorry Big mac, I was half asleep last night when I posted.

Thanks.

[Docman]

HFO need to be reported to Trading Standards and the OFT for this, they should not be doing it at all - if they are now using Croydon instead of Wimbledon County Court the people at Croydon will soon be fed up with them clogging up their system.

 

Report them pronto without informing them of anything, after all they haven't sent you paperwork or replied to your CCA so that is another reason to report them.

 

 

Sillygirl,

 

I think we might try another way. get HFO declard a 'vexatious litigant'. I'll look up the rules and post a new thread and invite contributions.

[patrickq1]

READ THIS FROM MASTER OF THE ROLLS

Speeches in 2006 - Conference on vexatious litigants 2006

[patrickq1]

13. Bremer Vulcan v South India Shipping Corporation Ltd [1981] AC 909 per Lord Diplock at 917: “Every civilised system of government requires that the state make available to all its citizens a means for the just and peaceful settlement of disputes between them as to their respective legal rights. The means provided are courts of justice to which every citizen has a constitutional right of access in the role of plaintiff to obtain the remedy to which he claims to be entitled in consequence of an alleged breach of his legal or equitable rights by some other citizen, the defendant.”

[Davidpeeved]

cca

[patrickq1]

PART 13 - SETTING ASIDE OR VARYING DEFAULT JUDGMENT

[patrickq1]

CCA MEANS CONSUMER CREDIT ACT

SEE

Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

__________________

POSTED BY BARRACAD IN TEMPLATES LIBRARY

[no fear]

have had judgement set aside what happens now?

[Bookworm]

2 threads merged, pleased don't start a new thread when you have a question, it makes things harder to follow, as we then have no previous history to understand what you're asking.