Jump to content


  • Tweets

  • Posts

    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hfo help please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5884 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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?

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...