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    • So, was there any mention of the contravention code “104 Stopping to pick up/drop off in a restricted zone.” in the contract you received? It doesn't appear in the contract that others have shared. Without this, on what authority can VCS issue the PCN?
    • ou have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? Give answer here   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Give answer here   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Pwas issued small court claims form as the owner keeper by gladstones solicitor. Particulars of the claim: parked in breach of terms on signage ( @ location x) incurring PCN 9parking charge notice) PCN not paid in 28days. Claimant claims unpaid pcn from defendent as driver/keeper. despite demands being made defendant failed to settle outstanding liability. I was not driver. Driver is known to owner. received letters initial from UK Car park management Limited. (IPC memeber) Refused passing on driver info until they had provided all details of their right to mangage parking re contract with landlord, all images and evidence etc. This was by letter not via their appeals service. Letter was not responded to. (or refused can't remember exactly will check) details of the event. Night, signs not directly lit, small size writing poor placement. Parked on loading bay. Sign for loading bay was arguably not clearly marked, small sign high up behind the space, not visible as driving into it. floor markings under car not visible once parked, and poorly light. Private warden came, driver was by vehicle whole time, warden alerted driver to the fact they couldn't park there, driver removed the vehicle immediately on being informed of the restrictions.   What is the total value of the claim? Claimant claims £100 for PCN, £60 contractual  re Ts & Cs + £21 statutory interest.   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Received many letters most probably got one advising of a claim if not paid etc (will check)   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? address not changed since claim   Did you inform the claimant of your change of address? no address change not needed Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? No agreement (after 2007 but no agreement)   Do you recall how you entered into the agreement...On line /In branch/By post ? Give answer here   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claimant issued   Were you aware the account had been assigned – did you receive a Notice of Assignment? Give answer here   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? N/A   Why did you cease payments?N/A What was the date of your last payment? N/A Was there a dispute with the original creditor that remains unresolved? N/A Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? N/A     More Details:   Defence was filed with small claims court. : Defence points were, no agreement, signs not visible/readable, no opportunity for arbitration before making a claim. Their independent Appeals service (required as part of their right to access DVLA info) is not independent as it's funded by the parking company and their paid lobbying group IPC.   Claimant has sent N180 directions questionnaire.   Defendent (me) has not filled N180 yet . Not sure what to answer.
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Fzrkitten sort of VS HFC Bank


fzrkitten
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Hi all,

 

My story is, I had a loan, probably 15 years or more ago. I got into trouble paying it, and it ended up as an attachment of earnings which I am still paying. The amount is a large one, larger than the original loan I think. I'm not sure if I was sold ppi as well. I don't have many details of the loan at present, and I am trying to find the court details etc, and info through work as to who is being paid, but can anyone tell me if they think I can do anything about this now very old debt, as it's already been passed as a judgement a long time ago, but I'm sure I've been paying it 6 to 8 years already every month.

I may be able to find the original piece of paper, I have visions of it somewhere, and I do have the court judgement somewhere.

Just want to be pointed in the right direction or told to give up on this one?

I've got an outstanding (LARGE) claim with Lloyds on the forum, and I'm just thinking of tackling Capital One for old money.

This is the only debt i have outstanding, and I think it's wrong that it's more than the original loan by quite a lot, and that it's so long now.

 

Any help appreciated,

BW,

Fzrkitten.

Fzrkitten

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Can anyone tell me if I should send SAR, or CCA, and if CCA, what is that and where can I find it on site, been looking since yesterday! Sorry, can do sar, been through that before, but wasn't sure on cca.

Fzrkitten

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Did you challenge the original judgment ? The SAR you need to send for the attention of the Data Compliance Manager at HFC head office....do you still have any paperwork at all. As they already have judgment then a CCA request is likely to be a waste of time as they have judgment already....I think sending a SAR first might be a good idea....but this could be a tough one without any paperwork...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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You could possibly try out of the blue and state that you want your PPI refunded with interest - FSA fines HFC Bank £1.085 million for PPI failings

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi 42man, just read the link, does the below mean if my loan is older than 2005 (it is), I would have trouble?

......

 

HFC has been regulated by the FSA since 1 December 2001 , but in relation to its insurance mediation activities, only since 14 January 2005 . It is an authorised person under the Financial Services and Markets Act with permissions to carry out a range of regulated activities.

 

.... I can send an SAR anyway, no harm done I guess (although I don't know if I need to tread carefully with this as they still take pennies from my wages. . .)

 

I didn't challenge the original judgement, young and stupid.

 

I will spend the weekend looking for paperwork first I think. I know I have the court judgement somewhere, and I have visions of a green piece of paper which may be the agreement. . wish me luck!

 

Thanks very much,

 

Fzrkitten.

Fzrkitten

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  • 3 months later...

Hi,

 

42man if you are out there, I just realised you asked me a question months ago and I didn't answer properly. I never challenged the original judgement. Can I do something about that now?

I have the paperwork, will post a bit more detail in a short while. .

Many thanks to anyone for help,

 

Fzrkitten.

Fzrkitten

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Hi,

 

If anyone can help then:

 

It seems I may have had 2 accounts with HFC, one was a personal loan plus, taken out in September 1998, and did have 'IC protection premium' on it. (I have the agreement for this). This wasn't a large amount, and was run like a bank account, where you paid your wages in and they took direct debits for the loan amount each month. I'm not sure that this one is in dispute, I may have finished paying it, or it may have been lumped in with a further loan. However, it looks like it had ppi on it.

 

The second loan I only have 2 details for, the account number, and a letter from a solicitors back in 2005 asking me to up my payments voluntarily on the attachment of earnings. They never wrote again and I am still paying an amount every month on my wages at work. I think I do have the judgement for this one, and it's a very large amount, I'm sure more than 3000 more than the original loan as well, on judgement.

 

My query on these is that if I now chase for refund of ppi, or the original judgement, could it backfire on me and I end up paying more each month etc? Or is it worth arguing it. I think they treated me apallingly at that time, and the fact that I am still paying must mean I have paid a large amount already.

 

I never appealed the original judgement, I hadn't found this website then or knew there was help out here, and was too scared and young and on my own at that time.

 

If anyone can help it would be ace, thanks guys.

 

Fzrkitten

Fzrkitten

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pers i'd go for the ppi refund

you'll get a heep back.

you also stand to get the rolled over ppi TOO when it was refinanced, cause you would of been charged it twice and interest on it twice!

 

i'm interested in the 'bank account' agreement you have.

can you scan it and post it up ?

removing pers info ofcourse.

 

HFC have refused me details past 6yrs twice now saying it has been destroyed, but you seem to have got yours?

 

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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Hi dx100uk,

 

Thanks for that, I may need help when it comes to it. I haven't got the past 6 years details, but do actually have some original documents, god knows how, but I found them and it started me wondering. I'm more concerned that I feel they've had enough out of me through my wages now, want to contend that if I can (the original judgement).

 

The account was called a personal loan plus account, which had a cheque book. I noticed last night it was ran disgustingly,they took a 72.99 direct debit each month, then charged me 52.38 interest a month on the loan, then gave a 'discount' of 6.53 per month, before taking 13.31 a month in Protection premium. I think that meant that i ended up getting the loan down by around £5 a month on the payment they took!

 

Will get it scanned over next day or 2, I'm not at work today, in forced detox by norovirus! not good.

 

Thanks again,

 

Fzrkitten

Fzrkitten

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thanks that will help me alot

 

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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  • 2 weeks later...

Hi,

 

sorry still struggling getting a scan, our pc has packed up at home.

 

I've had a letter from hfc, saying they will give sar details if I send a copy of my driving licence/passport etc, I take it this is usual delaying tactics and what should/shouldn't I send?

 

BW,

 

Fzrkitten.

Fzrkitten

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Hi again.

 

Is there any possibility of me contesting the original judgement? I have the details, and the date the attachment was made (03!), and I'm still paying it, and I'm sure it was for a lot more than the original loan.

 

Can I just write to the court and query it? Is it worth a try?

 

Seems wrong, that's all.

 

It's not like I haven't paid it, that's 7 years they've been taking money off me each month. . .

 

BW,

 

Fzrkitten.

Fzrkitten

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you can certainly find out what the original judgement was.

i think there is an online site where you can get a copy or write / phone the court.

 

as for the SAR, yep delaying tactics, there is a letter for that too, esp as i bet they sent their threat-o-grams to te same AD!!

 

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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That's cool, thanks dx. I actually think i have the judgement, only I seem to have put it somewhere 'safe'. lol. never to be seen again.

 

I will try sort scans for you.

 

Fzr. .

Fzrkitten

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  • 1 month later...

Hi Dx, sorry for delay, I have had a bereavement (mum), and things went by the wayside a bit.

 

I did SAR HFC, they wrote back with the letter asking for driving licence details etc, can't remember what I'm supposed to do there, not send my signature etc? (I found a post that said it but lost it again).

 

I will scan the documents I have and post them or pm you dx, give me a little longer, but I am getting my head round stuff again now.

 

Many thanks,

Fzrkitten.

Fzrkitten

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on the thread please but remove all pers info and barcodes

 

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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Share on other sites

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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Hi Dx,

 

Spent all day trying to get photobucket to load at work, bought files home, won't upload now saying invalid file, one is a tif and one is a jpg. It might be easier to pm you or someone with the info.

 

sorry, losing my rag here. . . lol.

Fzrkitten

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you dont need to load photobucket

its a website

 

however

 

try this one

 

imgur: The Simple Image Sharer | Upload and Host an Image

 

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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Lol, I'm not THAT bad an IT techy. Meant photobucket wouldn't actually open the registration page at work, think they may have barred it, we can't get on to a lot of things. I put the photo's on photobucket at home last night, but then it kept giving me invalid file messages when I tried to upload, and I was just tired, so gave up. Will try the other one. Thanks DX.

Fzrkitten

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:D

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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I can chip in a little here:

 

The Personal Loan Plus (PLP) was nearly identical to a credit card agreement. It had a credit limit and in place of a Visa or Mastercard, you had a cheque book.

 

Interest was calculated daily and added to the balance monthly. If you paid by Direct Debit and weren't in arrears, you received a discount on the interest (the "Premier" rate).

 

The PPI was also calculated monthly on the outstanding balance and to be fair, was nearly always cheaper than credit card PPI (it used to be 55p per £100 for single life, accident, sickness and unemployment).

 

Just like a credit card, if you only pay the minimum payment the debt goes down by a tiny amount each month.

 

Exactly how long ago were your loans and policies sold?

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