Hello All I'm Looking for some advice

[johnno1979]

I have stumbled upson this forum having having some problems with HFO Services who now claim they own my barclay card i havve been advised to send a cca letter to them which i will tomorrow after work

 

But the question i have is that im currently looking into an IVA to clear the debt i owe but i have noticed on the forums thats people do not reccomend this. I was wondering if bankcruptcy would be the way to go here is what i owe and i just cant afford to pay anything off as im on a minimun wage job

 

£338 (capitol one) now with cabot

£900 (Barclay card) Now with HFO Services and been threatened with court had nast call from them yesterday said they sending forms to the court

£450 (NatWest)

£550 (Vodaphone)

£25200 ( HSBC Managed load ACCOUNT) Currently paying £210 per month to them

 

does anyone have any advice for me please as im really stressig out about the situation and its causing problems with my relationship

 

your help would be greatly apriciated

 

kind regard's

 

John

Edited August 5, 2008 by johnhorton79

[maroondevo52]

Hi, John.

 

I'll move this thread to the Debt Collectors Industry Forum.

 

Regards.

 

Scott.

[fuzzybobble]

First of all John, write to all your creditors and offer them a token payment of say £5 a month, or whatever you feel you can easily afford. They won't like it, and will try to make excuses/threats etc. But they have o accept what you offer. But Cancel all direct debits to them, and pay by postal order or cheque instead. As soon as they cash the cheque/postal order, then they have accepted your offer. Paying by cheque/postal order means that way they cannot help themselves to the usual amount from your bank account. Also if you wish you can ask them for details so you can se up a standing order from your current account. You set the amount and they cannot get more unless you go to your bank and change the amounts paid yourself.

Also change your bank account if the account is by the same bank as one of your creditors.

 

Next, send CCA requests to any that are loans,credit cards. As there's a good chance they wil be unenforceable. Especially BArclaycard. They are well known for sending application forms as CCA's and are totaly unenforceable.

 

Also, never speak to them on the phone. If they ring, say, "Sorry I require all communication to be in writing only."

 

When you've done all that. Sit back and relax, knowing there's a huge weight off your mind. Less strain on your relationship. Keep us posted on this thread when you get a reply from them. And we can tell you what to do next.

 

Good luck.

[Patma]

Hi John,

I think Fuzzybobble's advice is excellent. Everyone here can identify with your stress, but you really will find that once you tackle the problem as suggested, then you'll feel a whole lot better.

When you get round to sending the CCA requests, be sure not ro sign the letters, just type your name at the bottom. That way nothing dodgy can be done with your signature.

Please keep in touch with updates and you'll find lots of support and encouragement here.

Best wishes, Patma

[johnno1979]

i havent had chance to post the letter yet just been so busy with work but off on friday so will do it then

 

had a call today from hfo services(who today said they had sent the forms to the courts for a charging order

this has me very very worried as its not my house the house is the girlfriends its her morgage

 

any ideas guys??

 

please help im really worrying about this

Edited August 8, 2008 by johnhorton79
missed points

[emmaf01]

Then they can't do it. If the house is not in your name, they cannot possibly get any sort of order on it.

 

They are scaremongerers and will say anything to get you to give them money.

[veryweary]

 

Also, never speak to them on the phone. If they ring, say, "Sorry I require all communication to be in writing only."

 

/quote]

 

Listen to FB. One of the best pieces of advice I ever received. They won't make misleading/incorrect threats in writing, so will save you a lot of unecessary stress.

[2Grumpy]

i havent had chance to post the letter yet just been so busy with work but off on friday so will do it then

 

had a call today from hfo services(who today said they had sent the forms to the courts for a charging order

 

this has me very very worried as its not my house the house is the girlfriends its her morgage

 

any ideas guys??

 

please help im really worrying about this

 

Don't talk to them on the phone. Don't give information. They can't do that. Hopefully they will repeat that in writing!

[johnno1979]

guys after going through some of the threads on here i dont think and IVA is not the right things for me and i have decided to go bankcrupt could some one adise me on how i need to do this please

[fuzzybobble]

I would try the CCA option first. You may get lucky and none of them being able to enforce any of the debts that require a CCA.

 

Going bankrupt should be an absolute last resort choice. It's not as easy way out as a lot of people seem to think.

 

If you send a private message to BabyBear on here, she's gone down the bankruptsy road and may be able to advise you.

[johnno1979]

i have sent the CCA form in the post to hfo services today but as i stated they calle3d last week saying forms have been sent to court for a charging order however like i have stated the house is my girlfriends ands its her moragage im just really worrying about this all and dont know what to do about it

[notsoevil]

Hi John - they wont get far getting a charging order for a debt in your name on a house in another, really dont worry about them trying to scare you this way.

 

The largest debt it seems you are paying, can you continue to pay this as normal?

 

With the others going to the CCCS or someone similar (CAB) and getting them to deal with DCA's will help you. Write a letter and state you are going through a third party who will be contact with them shortly.

 

If you do pay by standing order bear in mind that only YOU can control how much money is taken and when, as opposed to Direct debit when the company more or less does (though shouldnt be without your agreement). A direct debit you can cancel at any time!

[johnno1979]

i am 5.5 payments behind for hsbc managed loan and wont be able to make this months payment of 210 which will then default it and then pass on to debt collection agecy i really do not know what to do

 

i have spoke to hsbc and asked them to restucture my managed loan but they have refused to do it

 

sorry for being dumb but what is CCCS AND CAB

[johnno1979]

does anywhere have any advice what i can do about hsbc i have sent cca to hfo services so dealing with tht but worried about hsbc now