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HFC-No Agreement? - Amended defence help please **WON**


robcag
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Oh well done. Another victory. :D

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Cheers, and thanks again for all your help!

Rob

Righty then, ok, the Litigant in person rate is £9.25 per hours

 

i think its reasonable to say 25 hours research of the claim

 

2 hours letter writing

 

plus your time travelling to the court to serve documents etc and anything else you can think of

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Hello,

 

I knew I knew it, they would not be so stupid, and as for the court MMmmmh.

 

Well done Matey, they start off a bit cocky don't they and now they are running with their tail between their legs.:lol::lol::lol:

I love it:D

 

:razz: to hfc/restons one in the eye for them

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Righty then, ok, the Litigant in person rate is £9.25 per hours

 

i think its reasonable to say 25 hours research of the claim

 

2 hours letter writing

 

plus your time travelling to the court to serve documents etc and anything else you can think of Thanks for that Paul. I'll cobble up a schedule of costs along those lines and send it to Restons. Should I address it as "For the attention of HFC, in the matter of Claim No XXXXXXXX etc." (on the letter)?

 

To everyone who has posted messages of congratulations and contributed earlier to this thread, thanks for those messages and your support! We can get through these difficulties by supporting each other, after all, that's what CAG is all about. :D

 

Onwards and upwards!

 

Who's next on my list? Well would you believe it, HFC/Restons! I'm feeling more confident in proceeding with a set-aside application for a previous judgement which I initially admitted before I found CAG :)

 

Cheers all :D

Rob

Edited by robcag
spelling + more spelling!
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To everyone who has posted messages of congratulations and contributed earlier to this thread, thanks for those messages and your support! We can get through these difficulties by supporting each other, after all, that's what CAG is all about. :D

 

Onwards and upwards!

 

Who's next on my list? Well would you believe it, HFC/Restons! I'm feeling more confident in proceeding with a set-aside application for a previous judgement which I initially admitted before I found CAG :)

 

Cheers all :D

Rob

Oh and BTW,

 

don't forget that you would like them to remove any adverse data they have added which is unsubstantiated , especially since the they failed with this case

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Oh and BTW,

 

don't forget that you would like them to remove any adverse data they have added which is unsubstantiated , especially since the they failed with this case

 

Good point Paul, thanks! ;)

 

I've never actually checked my files with any CRA to see what is on there, but no doubt it's now full of bad stuff!

 

I think I'll start with trying to get the costs issue sorted, but I wouldn't mind betting that won't be straightforward, and even if HFC do agree in principal there's a chance they'll say they'll deduct it from the alleged debt!!! What debt? I'll say, and insist on a cheque payment. ;)

 

Cheers

Rob

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Hi Rob

congratulation... so please for you.. I think now is the time to get back at them for all the time that you have wasted on them, the stress they created, the rising blood pressure etc etc..that you have suffered all this thime when they know that they are in the wrong.

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Oh Rob! Really and truly i cannot tell you how pleased i am. Very well done you for sticking at it and obviously more congrats to Paul too for all his work!

 

:D:p:D:p

 

Oh yeah.....

 

In your face HFC.............sorry couldn't resist :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Hi All :)

 

Well today brings another welcome result!

 

Another envelope arrived in the post from Restons marked URGENT - NOT A CIRCULAR as per usual, only this time it contained a cheque for my costs! :D

 

They have paid up in full without any argument (and included the amount which had been outstanding for the hearing of 22 May 2008 and which I had added to the schedule of costs). Which now leaves me wondering maybe I should have claimed more than I did!

 

Anyway, I got the amount I claimed, so that's that.

 

I'm off now to pay the cheque in to my BS account so that it clears ASAP, after which I'll be making a further donation to CAG!

 

I'll then be considering my next moves regarding getting the alleged agreement declared unenforceable, and possibly getting any defaults removed from the CRA records (not checked them yet though).

 

Cheers

Rob

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PS

 

Forgot to mention, the cheque was a RESTONS (not HFC) cheque! :D:D

 

Cheers

Rob

 

 

Brilliant news robag, I hope it gets cleared in good time. I am so pleased for you.:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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