HFO Strike Again!!!!!!!! Help Needed with Threatening Letter!!!!

[katpuss]

Hi guys,

 

My husband and I are on a Debt Management Plan with the CCCS (Consumer Credit Counselling Service) and have been since November 2007. Couldn't pay CCCS this month due to husband losing job and rent arrears being priority. Called CCCS and they suspended payment saying that it would be reinstated for May 2008 with payments recommencing then. Anyway have now received this letter from HFO's solicitors Turnbull Rutherford:

 

Dear Mr xxxxxxxxxx

 

Re: HFO Services Limited - Barclaycard

 

We have been instructed by HFO Services Limited in connection with your outstanding debt of £971.14. We understand that from our client HFO that you are refusing to take any action to resolve your debt.

 

Because of your failure to act, the file has been passed onto us and we are reviewing your case in anticipation of legal proceedings. We have of course charged our client legal fees for reviewing your case and our fees have already been added to your debt. If you had contacted our client earlier you could have avoided this additional cost.

 

If we are instrcuted to proceed with litigation, we will obtain a County Court Judgement against you. We will then seek to enforce our CCJ by way of an Attachment of Earnings Order. The effect of this is that your employer will be informed of the CCJ and will be instructed by court to deduct an amount from your salary each pay day and send it directly to our client untilt he debt has been cleared. We will also seek to secure our CCJ against your property, and any assets that you have may be removed by court-ordered bailiffs and sold at auction in order to pay your debt to our client.

 

We feel it is only fair to warn you that the amount that you will have to pay our client following the litigation will be substantially greater than £971.14. As it will include legal and court fees, together with the cost of enforcement and accrued interest.

 

You can avoid this by caling me, your case manager within seven days of receiving this letter in order to discuss your account.

 

Yours Faithfully

 

 

xxxxxxxxxxxxxxxxxxxxxxxxxxxx

 

Case Manager

_______________________________________________________________

What is this all about? I am sure this is too threatenign and against OFT standards. We've been paying them for months!!!!!

 

Any help much appreciated.

[katpuss]

Bump!

[katpuss]

Can anyone please help?

[giantsf49er]

First of all are you sure that Turnbull Rutherford are solicitors? I cant find them in tinterweb.

 

There are many people on here that will have a lot of useful information for you, however as so little time has passed since your first post I would advise that you give it a little more time to recieve some of the responses.

 

In the mean time is there any more information on this Turnbull Rutherford? Address? Etc?

[Docman]

TR are a one man band and the in-house lawyers for HFO. And yes they are a registered firm of solicitors. Contact details are

 

Turnbull Rutherford Solicitors

165 The Broadway

WIMBLEDON

SW19 1NE

[ODC]

Turnbull Rutherford are HFO's in house threat department. The letter is certainly full of BULL and designed to scare you. They say they WILL obtain a CCJ against you. This is not as cut and dried as they make it appear especially as you are with a Credit Management Plan. In the highly unlikely event that a CCJ was issued a Court would only order you to pay what you are paying now through your DMP.

 

Pass this threatening letter on to whoever is managing your DMP.

 

Have you CCAed HFO yet?