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    • images/posts removed . please do not post jpg picture images directly to a post . read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only . that way only logged-in,registered and approved caggers are the only ones that can download and see them . else anyone can see them caggers or not. dx
    • OK, I will do now.   I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing.     I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters?   But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf   Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.           Claimants_WS.pdf
    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
    • Thank you all so much for taking the time to comment and help, I really do appreciate it.   Just to elaborate a bit more on the background, just because my lack of knowledge of the process might mean I've actually done things along the way that I did not know what they were and so hadn't mention it.    When they decided to go to court, I was offered mediation, which I took. I offered to pay the reduced rate, just to make it go away, but insisted it was not an admission of guilt, it was a goodwill gesture to save us all the effort of court. They refused and wanted £250.    A court date was set, but in Leeds, then a couple weeks later I received another letter saying it had been moved to London.   I was not aware I had any say in which court it would be held at, but I now understand i have good reason to request it is moved to a local one to me, which is also local to the offending place, I will call the court tomorrow and explain that. But so far I have only been told what is happening, I've not been given the choice for anything.   They seem to be going down the route of a contract breach, not trespass which is interesting. There is a document in the evidence which has the agreement between themselves which I assumed meant they can pursue me.    I am going to visit the site again shortly, at midnight the time of the offence and take pictures to build a case file of the route I took to enter the car park, how it is in the hotel grounds and no signs can be seen.    Am I right in saying, the fact they do not actually have any pictures of my car in the location they say it was in, just because all of the pictures they have were at 12/30am and it was pitch black, I am going to say my car was parked correctly in the hotel side, not on their land and it is then up to them to prove otherwise, which they are not able to do, because the burden of proof lies with the claimant I think?
    • did you move during the duration of this agreement.   dx  
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j.wandless

Comet and HFC finance company

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Hi

 

We had a nasty experience through Comet and were totally ripped off. We purchased a 42" plasma t.v at a cost of £1999. We bought it on 0% interest for the first 9 months - after that it went up to the usual hugely inflated interest rate that these stores charge.

 

However, we had previously purchased a digital camcorder from the same store - on the same terms - and when the interest free period was nearly up they wrote to us informing us that it was coming to an end and that the interest rate would go up if we didn't settle the balance. We assumed they would do the same with the t.v.

 

Our payments for the t.v were approximately £88 a month and the fincance company used by Comet was HFC. When I phoned up the finance company to pay off the outstanding amount - which I thougt was still in the interest free period as we received no letter from them - I was informed that the balance was £1800 (approx). Obviously I queried this and was informed that we had purchased the t.v 11 months ago. So we had paid £968 and had only cleared £200 of the balance. I was furious and asked to speak to a manager. I explained that we had received no letter but they would only reduce the balance by £100.

 

This was about a year ago - I know there's nothing I can do about it now - but just thought I would share my experience - and warn others

 

Debbie


Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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Alot of these 0% interest companies don't warn you - however mates have ahd very good experiences with HFC, they are willing (at times) to remove charges just if you ask nicely - if you miss a payment then phone them up and settle the missed payment they will just take the fees straight off

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Hi

 

My issue with HFC is that for a relatively cheap item ( few hundred pound for camcorder) they did write to us warning us that the 0% period was nearly finished, however, for an expensive item - £2000 - they didn't bother. If they do it for one then they should do it for all. My thinking is that they will make more money from the more expensive items - so it's in their interest not to warn people.

 

Debbie


Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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This is nothing to do with Comet. They sell your debt onto HFC the second you buy the product.

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They dont sell your debt on as such its a credit plan with HFC in the first place (same result but not technically the same thing at all, sorry to be picky)

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even so it is comet giving the incorrect information. as they do not always write to you.


:D

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i bought stuff from comet, and i got credit of a company called capital, anyone have any more info on this company???

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If you give the full name of the company someone may be able to help

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the full name is GE Capital, They have transfered or sold the debt on, but would like to see how much charges they hit me for,

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hi i brough some items from comet. which is GE CAPITAL BANK LIMITED. can i claim my interest back off them or not i took the 12 MONTH INTEREST FREE but then my washing machine and fridge went at nearly the some time so i had to put them on my EDGE card and i am still paying them now, they are charging me 5.65 a month interest only got 150.00 to pay now but i have had one of these cards a few years ago so if anyone can advise me what to do can i get any money back of this company thanks veronica

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No, you can't. It's a legitimate (albeit high) interest rate, and you had the option to pay off the debt before the interest went on.

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I have dealt with HFC a couple of times and i have some advice;

 

Firstly you are often taking out a plan to repay over a large amount of time such as 48 months, only 6 or 9 months of this will be interest free, the amount you are paying off is often very low each month because of this and you need to make extra payments if you want to pay it off before the interest kicks in.

 

personally i currently have an xbox brought from currys which cost around £350, the direct debit is only set up to take £12 per month which is tiny so i set up a standing order for a further £70 per month, meaning i pay off £82 a month and clear it within the 6 months. (to set up a standing order use the sort code and account number on the paper work from hfc).

 

Also I would try to get them to knock at least £19 from the cost of the goods when you buy them because this is the admin fee you will get charged when you make your final payment, not exactly interest free hey?

 

In my experience hfc is not that bad a company, you just need to be clued up as to what to pay each month and just like a credit card, dont ever just pay the minimum off each month EVER!!!.

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I am new to this, so hi.

 

I am just looking at all my finances and to be honest its a bit of a mess, I am having issues with HFC and Marbles and would like some advice, like the above i brought a camcorder and tele from Comets in 2005 and had the "loan" transfered to HFC or Benifical Finance, the total cost was about £1000, I paid off a fair wack in the year but not all as could not afford anymore, to this day I am still paying £56 a month and my balance is around £1700!! I have now stopped paying and need advice if there is anything I can do, PPI claim back or something similar. Hindsight is a wonderful thing and I would have done it different, but over the last few years money has been ok, now its tough and I need to stop paying out to companies that have had there fair share! I am in the same boat with Marbles over a 3 peice sweet purchased in Oct 2005 and although the oringinal cost was only £1100 I still owe about £2000 to them.

 

Any advice would be good.

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Just wanted to confirm is it definatly Comet or is it Currys. As far as i'm aware Comet deal with Santandar and in the past they dealt with GE Money. Currys however have had dealings with HFC.

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Just wanted to confirm is it definatly Comet or is it Currys. As far as i'm aware Comet deal with Santandar and in the past they dealt with GE Money. Currys however have had dealings with HFC.

 

Would Comet have dealt with Marbles? I have never brought from Currys?

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Would Comet have dealt with Marbles? I have never brought from Currys?

Not as far as I'm aware.

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