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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Turnball Rutherford, HELP needed!!!


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Hi there, I've had 2 letters from Turnbull Rutherford solicitors whilst we was away, who I know are acting upon HFO behalf regarding a loan for £5,000. On 1st December I sent HFO a CCA request, which they ignored, about a month later a default letter & telephone harassment letter, then 14th February another default letter, now I have got these two letters, I don't have a scanner, so I will copy what I have onto here, so here goes:

 

Letter 1 Dated 30th March 2009

 

'We have been instructed by our client to review your account in order to assess whether legal action against you is a viable option in respect of this debt. There is a legal charge for this review, which has now been added to your debt.

 

Our client is the legal owner of this debt and we have been advised of a "REFUSAL" on your part to deal with this matter. However if there are any admissable reasons why you have failed to address this obligation, then it is our duty to address these prior to litigation. If we resolve the issue within 7 days, we are instructed to remove all legal charges, and further review for County Court litigation will not be necessary.

 

You can reach me during office hours on 0208 *** ****.

 

Please be aware that a refusal to discuss this matter or contact me with a valid reason for non-payment will be noted on your file and may be disclosed to the Court in the event of litigation

 

Yours Sincerely

 

Alexander Josolyne

 

Now for the second letter dated 8th April 2009 (From Turnbull Rotherford)

 

Dear......

 

Our Client: HFO Capital Services

 

I wrote to you recently in connection with your outstanding debt to our client of £****.**, which is due for immediate repayment.

 

If you fail to contact me to discuss your account, this will result in my client instructing me to qualify your case for litigation. It will be necessary for me to carry out various searches against your name at the Credit Reporting Agencies. THe cost of these disbursements will be added to your debt and the work is due to start of 15 April 2009.

 

Please contact me if you would like to discuss your case before these searches are carried out.

 

Yours Sincerely

 

Alexander Josolyne

 

As said earlier we was away for 2 weeks with relatives, so have been unable to action these any quicker, any help would be appreciated!

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Any advice I give is honest and in good faith.:)

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Turnbull Rutherford are my heroes...NOT...if they are acting if you take the iniative its' not likely that if they issue proceedings that it will get to trial -

 

They Always ignore letters - If they ever write to you - keep both their letter and the envelope it came in

 

There are a number of issues - the first one is who are they acting for HFO capital Limited or HFO Services. What was happening at one point was that HFO Capital were having a debt assigned to them in turn they assigned it to HFO Services - the claims were in a real mess

 

I really wouldn't bother trying to talk to them - what I would do is send a pre action disclosure letter under CPR 31.16 - there is a standard one on the forum - make sure that you add to the letter a request that they provide you with copies of ALL assignments in addition to copies of agreements, terms and conditions, notices of assignment, default notices etc.

 

This particular firm have one Solicitor and the work is done by unqualified clerks - some of their practices are questionable - so you need to be very careful with anything they do - one of their tricks is to claim they've sent a letter out on one date when they haven't...they are also less than scrupulous with the documents they produce.

 

Don't ever speak to them on the phone only ever correspond in writing and send it by either fax or recorded delivery - or they claim not to have received it - always print out the online proof of delivery

 

You need to see all of the documents before you decide whether you owe them anything.

 

Incidentally I don't think that they're allowed to charge you for their legal fees...well not at this stage anyway

 

Have a look at

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147745-turnbull-rutherford.html

Edited by I've got no money

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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HFO are being (or have been recently) investigated by Trading Standards in their area.

 

As for Turnbull Rutherford - you will notice that each letter has a number i.e. 1 of 3, 2 of 3 - you will get 3 of 3. These letters come out automatically whether you write in reply to any of them or not, they simply ignore it and send the 3 threatograms.

 

When you send the letter Maroondevo has suggested enclose a photocopy of the letter you sent HFO and also affix a photocopy of the recorded delivery signature receipt. Obviously send by recorded delivery again, otherwise they will simply say they never received it!

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Ok thanks for that. HFO are by far the worst firm I've had to deal with to date, very agressive, rude, don't acknowledge letters.....the list could go on, which begs the question: Why on earth have they got a Consumer Credit License?

 

They're Solicitors...they're "regulated" by the Law Society - my biggest gripe about the Law Society and the Solicitors Regulatory Authority is that they are really not interested in complaints about the other sides Solicitors. Technically it is unprofessional conduct not to acknowledge correspondence but you try and persuade the SRA to deal with it...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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And they CANNOT add charges to any alleged account. This is another tactic which is meant to scare you and which they know is not legitimate. They are so full of crap I'm surprised they don't have shares in Andrex.

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And they CANNOT add charges to any alleged account. This is another tactic which is meant to scare you and which they know is not legitimate. They are so full of crap I'm surprised they don't have shares in Andrex.

 

The thing I don't understand is how they make any money...If I were HFO I'd have sacked them years ago

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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The thing I don't understand is how they make any money...If I were HFO I'd have sacked them years ago

 

Maybe I've missed the irony, but as HFO Services' only director is a certain Mr A Turnbull, and the director of Turnbull Rutherford is Mr A Turnbull, he might be disinclined to sack himself :rolleyes:

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Re: "a legal charge for this review". As a 'legal charge' is a distinct legal entity, ie. a lien over something, I think this letter must've been drafted by a non-solicitor paralegal chimpanzee with an HFO certificate in extortion.

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Maybe I've missed the irony, but as HFO Services' only director is a certain Mr A Turnbull, and the director of Turnbull Rutherford is Mr A Turnbull, he might be disinclined to sack himself :rolleyes:

 

I'd never actually realised that - I knew that there was some sort of connection - do we know if he is also a Director of HFO Capital Limited

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Re: "a legal charge for this review". As a 'legal charge' is a distinct legal entity, ie. a lien over something, I think this letter must've been drafted by a non-solicitor paralegal chimpanzee with an HFO certificate in extortion.

 

Don't forget that they only have one Solicitor in the firm - Mr A Turnbull...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Don't forget that they only have one Solicitor in the firm - Mr A Turnbull...

 

I can't imagine what you're implying there, IGNM...

 

HFO Capital is registered in the Cayman Islands. There is also an HFO Capital registered in Ireland, but I haven't been able to look these up yet. There is also HFO (UK) Holdings, of which I believe Mr Turnbull may, again, be the sole director. All publicly available information.

 

My naughty little query is this: if HFOC acquired a portfolio of debt overseas to avoid tax issues, does it then pay that tax when it reassigns them to HFOS in the UK?

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I can't imagine what you're implying there, IGNM...

 

HFO Capital is registered in the Cayman Islands. There is also an HFO Capital registered in Ireland, but I haven't been able to look these up yet. There is also HFO (UK) Holdings, of which I believe Mr Turnbull may, again, be the sole director. All publicly available information.

 

My naughty little query is this: if HFOC acquired a portfolio of debt overseas to avoid tax issues, does it then pay that tax when it reassigns them to HFOS in the UK?

 

Precisely

 

The other thought I had is that I think that if HFO Capital bring proceedings you might be able to get an Order for Security for costs - cos I don't think that Grand Cayman is a convention country - its' something when I've time I'm gonna check when I have time.

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I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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BBC - Radio 4 You and Yours -HFO Services Ltd

 

JUST HAVE A LISTEN TO THE TRADING STANDARDS OFFICER IN HFO ARE AND ALSO THE OFT...WHO SAY THEY HAVE ONLY SEVERAL COMPLAINTS IF EVERYONE SENDS THEIR COMPLAINT TO BBC RADIO PROGRAM DISPUTING THE OFT PERHAPS OFT WILL BE FORCED TO ACT AND ALSO TRADING STANDARDS OTHERWISE THEY HAVE LIED IN PUBLIC

PATRICKQ1

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Now that is interesting...

 

We really do need to start making lots of complaints

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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***UPDATE***

 

Got two letters from this firm this week, here they are:

 

1st:

 

21th April 2009

 

Dear DC76

 

Our Client: HFO Capital Ltd

 

We have completed our investigation into your affairs in anticipation of litigation against you and have applied the relevant costs to your account.

 

Following our review, we have made a County Court Recommendation to our Client and we now await confirmation that we may proceed by issuing a claim against you in the Northampton County Court for the outstanding balance, together with accrued interest, solicitirs fixed costs & court fees.

 

If the Claim Form is served on you by the court, you will also recieve a response pack which will contain instructions on what you should do if you want to admit the debt or file a defence. Note that if you decide to file a defence, you will need to provide evidence in support of your defense and we will be instructed to ask why such evidence has not been supplied earlier, in accordance with Civil Procedure Rules.

 

Contact me on 0208 **** **** should you wish to discuss any aspect of this matter pending confirmation from our Client that we may preceed with litigation

 

Your Sincerely

 

Alexander Josolyne

 

 

On Monday I sent the letter that was suggested by MaroonDave52?(Sorry if mis-spelt) by recorded delivery, in the package were copies of my CCA request & Account in Dispute letter with copies of proof of posting & delivery, then yesterday I recieved a letter (2nd) from Turnbull:

 

22nd April 2009

 

Dear Mr DC76

 

Our Client: HFO Capital Ltd

 

We acknowledge safe reciept of your letter and noted the contents.

 

We now await our client's comments and further instruction.

 

Your Faithfully

 

 

(No name this time just a scrawl)

TURNBULL ROTHERFORD SOLICIORS

 

What letter/action do I take now?

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Hi, you don't need to do anything. Just keep all your letters (both theirs and yours) safe - I suspect you won't hear from them again as they won't be able to prove the debt :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Have you sent a CPR 31.16 letter - its' a pre action disclosure letter - there is a standard one - send them that...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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