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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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HFO Services


syproject
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Hi all

 

I have been reading through posts to try and help with my situation and read the best way to get help is to start your own thread.

 

Right I got into trouble with Barclaycard who then sold the account to HFO Services.

 

I have dealt with HFO for about 4 years, setting up payment plans and failed twice due to inexperience of debt management.

 

I have now got it all my debts under control and paying HFO services monthly, however I have sent a CCA request to see what I actually signed up to. (I was 18, I am now 25.)

 

I do acknowledge the debt and do want to pay all my debt off, however I want to see how much interest and charges they have put on to my account. they refuse to tell me such information and when I request them to send a balance they send a letter with just a figure of the amount I owe with no breakdown.

 

I sent a CCA the 3rd February and I have still not received anything back from them.

 

What should I do now? Do they legally have to supply me with this information?

 

Thanks for any help any one can offer.

 

simon :)

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Hi Spyro

 

You need to send a SAR (subject accedd request) to them with a £10 postal order, again don't sign the letter and send recorded delivery.

 

They have 40 days to respond, they should send all data they hold on you as well as the history on the account.

 

Hope this helps, the letter is in the template section.

 

S.B.

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Hi

 

The CCA is to request a copy of the original credit agreement that you signed with all the prescribed terms etc contained.

 

The SAR is to show all the data they hold on you personally.

 

If you have sent the CCA request it won't hurt, they have 12 + 2 days to come up with a valid enforceable CCA, after that time they are in default of your request and you can if you wish stop paying them.

 

I would personally send the SAR as well and the you will be able to see if any unlawful charges are on the account with a view to getting them refunded.

 

Hope this helps.

 

Someone else with more knowledge may be along with further comments for you.

 

Good luck

 

S.B.

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I Have just had a very rude man from hfo call at 8:30 this morning depanding me pay another one to stop the interest.

 

I have already set up a payment plan with hfo and now they are demanding more money.

 

They say they have never received my CCA Request even though I have proof of signature.

 

I also found out that every one i have been deling with is in india!

 

if I have done a cca request even if I have set up a payment plan. can I cancel everything till they give me what i have requested?

 

also does any one have a default letter to report these idiots?

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i just found out barclays sold my acount to roxburghe http://www.roxburghe.com

 

however HFO Services Claim they purchased the debt of Barclay card. is this right? can another company claim they are collecting for Barclaycard when they are collecting for Roxburghe?

 

any help would be appriciated

 

I also found out the oust standing debt barclays gave to Roxburghe was £2096 HFO are chasing 2750 plus charging interest everyday is this legal?

Edited by syproject
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A quick google shows that HFO and Roxburghe are part of the Concilian group, but in that case Roxburghe should, at some point, have reassigned the alleged debt to HFO services. They'll probably just make up the paperwork to cover their ar*es, but equally you should have received the relevant notices of assignment.

 

You must request a full breakdown of the alleged debt.

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HFO Services have never mentioned Roxburghe in any letters, they even say over the phone that barclays sold them the debt, but barclays say they have sold it to Roxburghe

 

Thanks for the reply DonkeyB, I will get on it.

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In UK26's famous thread, the missing notices of assignment mysteriously turned up pre-trial dated well before any initial contact (and even to the wrong address). So it would be fair to surmise that, if you ask for any copies of NoAs issued, they will be produced and backdated, and described as 'previously sent'. Keep all envelopes that anything comes in too. It appears complicated, but the tactics are actually easy to unravel.

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  • 2 years later...

I was wondering if anyone could offer me any advice.

I have a company called HFO services is chasing me for an old barclaycard debt from 2003

They first contacted me in 2006 regarding this matter and I disputed it with them telling them I do not know of the debt that they are chasing. (unaware it was barclays, because the about was almost £1000 more than what they were asking for.)

They threatened me with bailiffs and legal action so I agreed a payment plan (which was far too high) to stop legal action. They started pestering me multiple times a month and even Sundays for payment, I once paid twice in one week because of the threats. i still disputed this every time i spoke to them about the debt but paid to keep the baliffs away.

I took advice from a friend I sent them a CCA request and sent a£1 so they could send me it. however they did not send me the signed CCA within 30 days so I stopped payment. I know they received it because I sent it recorded and they have said in phone calls there has been a £1 payment.

They have recently contacted me again saying wanting payment for this debt or again the bailiffs will come in and I will be taken to court.

I told them on the phone that I never received a CCA from them which they then became aggressive and starting making threats again.

They told me on the phone “they were not legally obliged to provide a CCA” and if I did request another CCA they would just take me to court.

I have now been emailed a cca but but my signature does not look right and it is very dark and hard to read. (also could i still go about seeing if the credit card agreement is legal?)

Could any one advise the best method to take because I do not like the threating behaving, i would rather get a ccj and deal with the courts than speak to HFO again

i have read about a 6 year sat barred for debt collection but may have failed this because i made payment due to the threats.

Any help/advice would be appreciated.

thank you

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Have you any proof that payments were

made under duress??

They are obliged to provide the CCA it is

a lawful request, so write and tell them

that until your request is fully met the

matter remains in dispute and no further

correspondence will be entered into

until the fulfill their obligation.

You may want to read through some of the

current threads regarding HFO as there are

important developments regarding their legal

status.

Look for posts by donkeyB and coledog.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HFO is in serious dodo with the OFT,

if you have a valid complaint that the

OFT can look into have a look through

the threads, and just ask for help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HFO is in serious dodo with the OFT,

if you have a valid complaint that the

OFT can look into have a look through

the threads, and just ask for help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If there is a clear period of six years (five in Scotland) where you made no payment or written admission of the debt it will be statute Barred.

 

If they were stupid enough to take it to court on the evidence that you paid £1 they can be shot to pieces by the fact you sent that £1 as a CCA request and have the recorded delivery receipt as proof.

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Would suggest that you give Barclaycard a call and ask them the last payment date also exactly to whom and when did they sell this account. Barclaycard recoveries 0844 556 0066. Ask for anything they say in writing. NEVER speak to HFO on the phone, just say 'in writing only' and hang up. Can you scan the 'agreement' they have sent (with personal details removed) and does it have any Terms and Conditions with it? Sounds like a dodgy application form to me. Start compiling a list of everything and all the documents for an OFT complaint .. http://www.oft.gov.uk/contactus for the attention of Polly Ashford

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