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    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
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hfc is it legal ??


feelinglow
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  • 2 weeks later...
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Surely they should be contacting the previous owner for this information ?

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi pedross

 

Had a letter off of capquest today, won't bother scanning it as it is only a couple of lines lol.

 

It reads :

 

Futher to your recent correspondence.

 

We can confirm that your account has been placed on hold until 16 feb 12 whilst we investigate this matter for you.

 

Your Sincerely.

 

LOL... Isn't that sweet of them to investigate it for ME lmao.

 

Speak Soon

 

Regards

FL

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Hi pedross

 

Next letter has turned up lol this time from HFC Complaints Dept..

 

http://i401.photobucket.com/albums/pp94/badger1964_2008/001-2.jpg

 

Within the time limit by the 16th as promised lol.. Thats a first :)

 

Speak Soon

 

Regards

FL

Edited by feelinglow
wrong link
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You just need to wait for the next letter now FL

 

For a start I don't think they have summed up your correspondence very well. No doubt they will investigate your complaint and send you a final reply stating that they can find nothing wrong with the procedures. The bottom line is that they will be crazy to take legal action with the chance of success quite low, the potential cost quite high and £3 a month if they do succeed.

 

I am surprised that they have not taken a commercial decision and just written off the debt.

 

Lets wait for the next letter, which will arrive in due course.

 

Pedross

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Thx pedross..

The bank must be going through hard times, with all their bad investments so they are trying to scrape back as much as they can lol.. But like you said £3 a month wouldn't be worth the hassle the mind boggles with these people lol.

Will probably get same answer I got back from the complaints office last time lol back on their merrygoround lol.

 

Thx again speak soon

 

Regards

FL

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  • 1 month later...

Hi pedross

 

Finally got answer of off hfc.. looks like the end of the road me thinks as they ain't going to budge unfortunately :(

 

http://s401.photobucket.com/albums/pp94/badger1964_2008/hfclastletter/

 

I've got the copy's they sent which I can put up if u wish but they are just the 1's that have been put up previously.

 

Thx pedross

Speak Soon

Regards

FL

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Hang on a minute FL

 

To save me checking everything, perhaps you can remind me, is this exactly the same letter they sent you in August 2010?

 

If so you sent a reply to them pointing out that they have raised additional points and asking them to answer certain other questions which had come to light. If that is the case you need to play them at their own game and send them your letter again which they have completely ignored, probably because they did not want to answer it.

 

I will look through the information again and do you a letter, but in the meantime just confirm if that is all you received in the post as a reply and did it come from HFC.

 

Regards

 

Pedross

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Hi pedross

 

Yeah sorry didn't think they were relevent..

 

Got this 1 first

http://i401.photobucket.com/albums/pp94/badger1964_2008/hfc%20final/img011.jpg

 

and I thought this 1 was just a reply to let us know what was going on

http://i401.photobucket.com/albums/pp94/badger1964_2008/hfc%20final/img012.jpg

 

and then I received the 1's from last post

 

This is the letter from Aug 2010

http://s401.photobucket.com/albums/pp94/badger1964_2008/aug2010/

 

They are a bit simular but its not the same 1

 

Thx pedross

Regards

FL

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  • 2 weeks later...

ignore them now

 

its a discount letter

 

you've won!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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With all due respect, if I knew your name and address.. I could check and see if there were any CCJs against your name.. even you can do it.. so they dont have some "power"..

 

Within their letter they fail to point out that they would have to provide you with all the information you have requested, start the claim and then WIN for them to obtain a CCJ. A judge might not see it their way.

 

Will just have a read back and see how you got yourself in this mess.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, having revisited this I can see that it has been trundling along for the best part of 3 years with no resolution.

 

CapQuest are now on the case having had a short spell with Restons. I am quite surprised they gave in so easily.. perhaps they felt there was some merit to your complaint!

 

I also see that capQuest are simply "managing" the account, they have not purchased it. Therefore only HFC can take the action CQ are threatening.. ie the court action.

 

Having looked at all the paperwork that has been posted up I see there are one or two hovering questions.

 

Default Notice - They have asked for the full balance! Not permitted, they can only ask for genuine arrears.

 

They have further acknowledged in a letter a bit later that they DID ask for the full balance .. so they cant get out of that one.

 

Then there is the Notice of Arrears. It seems to me someone had a dodgy calculator or was not using all their fingers. Their figures dont add up. They have a figure of £10,195.00 owing when in fact the two sets of figures they were adding were £8855.35 + £540.15 = £9395.50

 

 

If they restructured the account then IMHO there should have been a modifying agreement - there does not appear to be one. I think there was a significant difference in the figures for there to have been required a new agreement.

 

What part of your complaint remains outstanding ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi feelinglow, Pedross has not been online for nearly a month now, so I suggest you will need to start sorting out what you need to do, yourself.

 

If you want to put something together then others can read it through and make suggestions.

 

This is a self help site and you shouldnt really be relying on the help of just one person.

 

We have no knowledge of Pedross' life outside of CAG and whether or not he/she will be able to respond to you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CB

 

Yeah thanks CB I understand what your saying pedross has been with me since the beging of this 3 years I think you said and he as been absolutely fantastic I would not of got this far without him..

But has you said he may have problems of his own to deal with and I wish him well with everything. Words can't express how grateful I am for him getting me this far I am indeed indebted to him for his help.

 

Has for me stringing a letter together to be honest I am as thick as two short planks and I would not of got myself in this mess if I hadn't of been I haven't got a clue with matters like this, thats why I came here for help in the first place and that pedross as been a life saver cause he understood my situation alot of posts on this thread have been deleted so you might not of seen the none relevent things thats why they were deleted,

I don't know what his next step was going to be.

Do I contact them now and set up a monthly payment scheme or let it go to court I honestly don't know where I go from here,

as you said I need to do something quickly but I don't know which way to turn tried citizen's advice and they didn't know what to say either.

 

Basically it was all over the fact that they adjusted my loan when my circumstances changed for the worse but they never did anything with my ppi which back then I never even thought about that I had a lot going on with my illness and never gave ppi a thought, so when the insurance finished paying out there was a short fall and some arrears which is now what they are chasing but its taken them 3 years to get this far.

some time's they would leave it for months before getting back in touch, if they were 100% sure they had a case then why didn't they just take me to court 3 years ago and be done with it ?? thats what i can't get my head around or understand.

But now it's gone to CQ I assume I've lost and have got to pay for their mistake or rather my mistake for being naive that HFC where trying to help me out back then.

 

Believe me I wish I had never picked the phone up to their pushy saleman now biggest mistake I've ever made.

 

Thanks for the help from every1 especially pedross if he come back on wish you all well.

 

Best Regards

FL

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I am not sure why you would think you have lost simply because it has been passed over to CapQuest ?

 

This is quite a long thread, so if you want to summarise the situation as concisely as possible... then perhaps we can send out some S.O.S for you.

 

However, you are going to have to put some effort in yourself. A lot of people were in your position when they first found CAG and have accomplished some amazing things, simply by reading other threads.

 

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Hi All

 

When I write out the letter of payment offer do I write down all my incoming and outgoing

OR do I make an offer then wait for them to ask me,

because I am disabled I get I/B and DLA high rate mob and middle rate care and I will never work again because of the severity of my illness...

 

I've seen in other posts that you don't tell them about DLA because it isn't means tested

 

but when I had to set up a payment offer with the taxman

I said this to them about my DLA not being means tested and their response to me was it makes no difference it is income coming in to the house

 

I was made to pay £40 amonth to clear a £3500 debt and that was over 2 years ago and the debt is still above £3000

because of interest that they put on every month, but if I didn't pay what they asked I was threatened with baliffs.

 

Thanks for looking

 

Regards

FL

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taxman adding interest?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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