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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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In Court With Hfo


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Several months ago I took some very good advice from this forum in relation to HFO but alas they have still pursued me relentlessly and needless to say I am in Court with them in a couple of weeks.

Despite not providing a Consumer Credit Agreement they claim to have a case. They are in breach of several orders by the Court to provide the information and have on several occasions not sent the Court information, only doing so when prompted by the Court.

Although evrything I have ever read on this forum tells me that the agreement is unenforceable if they cannot provide a copy, I have read several articles which contradicts this fact and unfortunately this is my defence!!

Additionally I read on your forum that as HFO Capital Ltd was incorporated in the Caymen Islands and given the fact the debt does not belong to HFO Services Ltd, neither have locus standi.

Needless to say I am desperate to get all my ducks in line and I know that several Caggers have had good results.

I would appreciate all the help I can get please. :)

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They may not turn up if they have no agreement. Two points - if they argue that it is not necessary to produce an agreement because the account was terminated, the counter argument is that at no time were you ever informed of any alleged agreement being terminated and it was therefore passed to them as an active account. Secondly, as they are not the owners of the alleged debt, the assignment must be equitable and they have therefore no legal right to bring court action against you unilaterally - it must be done jointly with the original creditor. It is for them to produce the Deed of Assignment to the court to prove they have the right to take action against you unilaterally. Then of course comes the CCA 1974 and a court cannot enforce an agreement without the agreement being produced by the pursuer in court. It sounds as if the don't have one so I am sure you will be alright.

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Thankyou, that all makes perfect sense but I dont understand why they go to all the trouble and expense of court action if they dont intend to turn up. Looking at all my paperwork it has cost them in excess of £1000 to get this far.

 

They have totally stuck their fingers up to CPR so far, do I suppose that the Court will not look too favourably on this.

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Looking at all my paperwork it has cost them in excess of £1000 to get this far.

 

 

I think some of them take the in for a penny, in for a pound attitude, it runs away with them thinking you are always going to crack.

 

I sued a large travel company once and we were just leaving, going down to the court and my barrister phoned me with the deal on offer.

 

BTW are they 'real' costs or x hrs @ whatever per hour

 

David

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These are the costs they have had to send to the Court a various stages.

 

If possible I would like some clarification on the status of the unincorporated company as it is HFO Capital Limited who are taking the action but I didnt think they could as they were incorporated in the Caymen Islands. HFO Services do not own the debt according to my POC.

 

The judge has ordered a pre trial review and has issued directions but HFO have not complied with directions before. If they dont turn up, where do I stand. As I have not had much of the information requested I have applied to the Court to have this set aside at least 6 times but they are reluctant to do so. I am worried that they wont know anything about CCA 1974.

 

Many Thanks

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I take it HFO Services have been pursuing you for the debt but the action is in the name of HFO Capital. I would certainly raise with the Court the legitimacy of HFO Capital taking this action given they are based in the Caymen Islands.

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I know I have the law on my side and can quote it chapter and verse (I have spent so long waiting for this moment) but all I need is an idiot Judge like the one brokenarrow had the misfortune of getting and I could be stuffed. If they chose to ignore consumer credit law, they can.

It all seems a bit of a lottery.

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The courts are not above the law, how the judge in Nicks case passed jdugement i dont know.

 

if the judge is not sure on the CCA and its requirements, he should read up before court trail.

 

Wish you all the best with this, my case starts again end of this month :)

 

so we can all ripe them to peaces

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Good luck to you too.

I am in the process of putting together my summary for the pre-trial but I am only allowed 1 A4 side. I could write a book on how they have lied and cheated and ignored pre trial protocol. How I am going to get it onto one piece o paper I dont know!!

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I will do that but I want directions from the judge that unless they can provide the CCA (which they cant) that the case is struck out. My biggest fear is that they stump up to court with a fraudulent agreement even though I have asked for it 12 times from Barclaycard, Turnbull and HFO. Vexacious litigant comes to mind.

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No I havent. Will do a quick search but I have to be honest the picture of Martin Shaw is very off putting (he is rather lovely)..........I keep thinking I am communicating with a top notch barrister..........you're not are you???

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