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    • Hi Schipoo and thanks for the update. This is a brilliant result as rergards your fight with HMRC. If you can manage a Donation to the site, it would be greatly appreciated. Let us know how it goes as regards the fees being sought by Independant Tax.
    • A never ending torrent of **it Outrage as ‘tidal wave’ of sewage floods historic market town’s unique chalk river WWW.INDEPENDENT.CO.UK Exclusive: Water firm pumps sewage into river Misbourne, Amersham on 21 ‘dry days’ during nearly five month period  
    • Worth noting that all of these firms - either the alleged EIS investment, the rebate company themselves or the payee were all registered to the same address. Clavering House is 3 miles away from HMRC Benton Park view offices.   Wardrop - unfortunately unsuccessful due to late appeal - assessments opened by HMRC in March 2019. Scammed by Richard Hall (Capital allowances consultants ltd - Clavering House) investments into Cryoblast Limited 15/16 (Paul Huggins - Clavering House) and Eco Cooling solutions 16/17 (Anthony Fitches - Clavering House).    Mccuminsky - scammed by Capital Allowances after providing his details to Stefan Brown Alpha Tax Consultants (Clavering House) payment made to Eco Cooling Solutions.    Robson - scammed by Capital Allowances - 15/16 paid to Cryoblast 16/17 paid to Eco Cooling.    Myself - scammed by Allan Maxwell - MaxTax (other business Maxwell electronics) registered to Clavering House.   Cryoblast Solutions and Fast Tax - Alan O’Hara    Please note there are two Cryoblasts involved - Cryoblast limited (Paul Huggins and Clavering House) and Cryoblast Solutions Limited (Alan O’Hara also director of Fast Tax).    My return simply said “Cryoblast” another thing that should have been clarified as part of HMRC guidelines before paying out the claim.    Cryoblast limited was already suspected to be involved in fraudulent claims before my investment as Huntly had open assessments issued in November 2018.    Cryoblast Solutions, the same company director as Fast Tax where my money was sent was dissolved before my claims were submitted. 
    • On the d-day issue, * we know sunaks shameful self-interest preferring a hope at using lies for self-promotion over honoring our heroes, * we know Starmer demonstrated his statesmanship with other statesmen and women,  ** BUT where was Farage? Was he in a pub looking for self-promotion? .. Surely as a wannabe statesman - he should have spent a bit of his (someone elses?) cash attending the ceremonies? or wasn't he offered a seat near enough the front to interest him?   mind you .. "I said I wanted my county back. Well now I want my life back ... I am not a career politician... I won't be changing my mind again, I promise you" - Nigel Farage, stepping down from public life. 5 July 2016  
    • dont need them.   let the defendant play the terms game
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Hfo help please


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This is my first post, I have been too frightened to post because of the intimidation by HFO via letters and unidentified numbers on the phone. Not sure if even the internet is safe!!!

Who are these people who have a so called debt against me? Never heard of them until I get a letter threatening to take me to court.

Why would I pay someone who I have never entered into a contract with? HELP

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Hi miss pickle and welcome to CAG. I have moved your post to its own thread in the Debt Collection Forum where I'm sure you'll get lots of help and advice in dealing with this company.

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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Hi miss pickle and welcome to CAG. I have moved your post to its own thread in the Debt Collection Forum where I'm sure you'll get lots of help and advice in dealing with this company.

 

Hi rory and thank you,

I'm very new to this posting and forum business and a little cautious, where do I pick up my threads?

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If you have a read here it will give you info on how to use the site http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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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Hi Rory,

Have been reading the forum, related problems about HFO, very similar to my own. Can these cowboys demand response within a set period of time but have refused to supply me with correct documents? Think I'm doing all the right things, communications by post only, recording any phone calls.

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They can demand all they want, but if they don't supply you with the correct documents you don't have to respond - other than to make a complaint to Trading Standards. The onus is entirely on HFO to prove any debt exists and they have a legal right to collect.

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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What documents have you requested so far?

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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If a third party aquire a debt they can't lawfully add any charges.

I have requested an original crdit agreement but received COPY APPLICATION

Have they refered to this as a copy of the credit agreement?

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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This is my first post, I have been too frightened to post because of the intimidation by HFO via letters and unidentified numbers on the phone. Not sure if even the internet is safe!!!

Who are these people who have a so called debt against me? Never heard of them until I get a letter threatening to take me to court.

Why would I pay someone who I have never entered into a contract with? HELP

 

The net is fine honestly..ur in good company here ;)

Please try not to worry & relax if u can...although i know thats easier said than done.

HFO have no power over you and can only ASK you to pay up.

Their letters are designed to bully & intimidate you into paying up asap.

If you doubt the debt is urs then S.A.R - (Subject Access Request) them,they then have 12 days to reply & if nothing is heard then they are in default and the legitimacy of them to collect the debt is in question.

Use the citizens advice beauraux/office of fair trading & trading standards if u need to, if u r worried about them & they start to harrass you.

You have rights to INSIST that they cease all contact with you.

Offer them an amount you can afford (£10 per month for example) if they refuse then cease all communication with them & let them take u to court..chances are they wont, but if so the court will agree on an amount u can afford after they take into account all your outgoings etc...the DCA will then be powerless to do otherwise.

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If you doubt the debt is urs then S.A.R - (Subject Access Request) them,they then have 12 days to reply & if nothing is heard then they are in default and the legitimacy of them to collect the debt is in question.

 

Surely you mean a CCA request, which has already been sent. They have 40 days to deal with a SAR.

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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Yes, I've done the appropriate requests, following the advice already posted, ie recorded del, postal orders, S.A.R.. JUST GET A LITTLE ANXIOUS. I also wonder if they read the forums?

 

They may read the forums but so what? They can't do anything other than bully. And they will receive dozens of SARs and CCA requests every day, so I doubt if they will identify any member of CAG. Don't worry.

  • Haha 1

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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Hi miss pickle,

 

Welcome to CAG, I know its hard but try to relax there are plenty people here to help you through this, most started out with the same dread as you and have now got the confidence to help others.

 

Just a little support for you and good luck.

 

Mamie

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is your debt with morgan stanley/goldfish and can you scan a copy of the contract they have sent leave out any ID and we can help with it ,but dont worry any contact from now on is by post only any phone calls just play them some music they will soon get the picture and stop calling you but do not worry...if the debt is from another company you need to CCA HFO and at the top of the CCA write I DO NOT AKNOWLEDGE ANY DEBT TO YOUR COMPANY...

patrickq1

welcome now you can have some fun with HFO

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Hi and welcome to the Forum.

 

Like you I have been terrified of these people but after joining this forum I have become confident and am ready to fight them. They, I believe, are now in the process of taking me to Court and I can't wait.

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Hi miss pickle and welcome

I too was terrified at the beginning and worried as to what I should post on the forum. HFO are definately on the run and have overstepped the mark. Dont worry, if they cannot provide the correct documentation then its a non starter for them.

Good luck and keep us posted.

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Hi, thanks pkq1. much reading to do, appreciate all info. First I was frightened, was taken off guard, but now I'm angry and willing to go the whole hog! Don't get a lot of weekday time online. Need time to compemplate. So will still be posting, but maybe not with scaned docs, just yet. Awaiting further corres. Again thank you. My debt probs are small fries compared to yours by the sound of it.

m.p.

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  • 4 weeks later...

Hi

Just a little update, have followed all the advice. All corres. in writing, no phone calls and if any, have recorded. Last call from HFO weeks ago, I recorded this call and informed them to that effect. The caller decided they didn't wish to continue the barrage any longer and hung up, so I wait. Wonder where they can go next with this?

 

Q. When I make a S.A.R - (Subject Access Request) to original creditor, will any transfer to other agencies or third parties show, i.e. the assignment of the debt to a DCA?

 

m. p.

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whoever you SAR will try to limit what they send you and if you are unhappy with the response just send them a further letter stating that you are not satisfied and feel they have not complied and then we can guide you from their dont worry you are doing ok

dont forget when you do SAR send 10.00 pounds and recorded delivery express is the best though it costs but worth it

patrickq1

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