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    • Could someone review the defence I have prepared please?   please note I have got a copy of an old default notice from 2007, but have asked them to provide me with a copy, does this need to be taken into account on my defence statement? I don't have a copy of an assignment notice from Cap One to HPH2, just one from HPH2 to HFUH2L, but was HPH2 Cap One? If I have these 2 documents, but no original agreement can I still use this as a defence?    1. This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 2. The defendant has failed to remedy the breach in accordance with a default notice issued pursuant to ss. 87(1) and 88 of the Consumer Credit Act 1974. 3. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). 4. Written notice of the assignment has been given. 5. The Claimant claims 1. The sum of 294  2. Costs Defence 1. The Defendant contends that the particulars of claim are vague and 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 and it is accepted insofar that I have had financial dealings with Capital One Bank (Europe) Plc in the past, but I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant. On the 27th November 2019 (both sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request to Howard Cohen and Co. Solicitors and a Section 78 request to the Claimant Hoist Finance UK Holdings 2 Ltd to gain further details. Both have been signed for as received but the claimant has yet to comply. 3. Paragraph 2 is denied I am unaware of any service of a valid Default Notice pursuant to the consumer credit Act 1974 4. Paragraph 3 I am unaware of any alleged legal assignment or Notice of Assignment from the Claimant. 5. It is therefore denied the Defendant owing any monies to the Claimant, the Claimant must provide evidence of assignment/balance/breach requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence the nature of the breach and service of a valid default notice; (c) show how the Defendant 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; 6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. 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. 8. 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.   Thanks, Molly,  
    • read the letter it says our client...   everything else is explained in that other thread or any CLI thread gere . use our search..   a dca IS NOT A BAILIFF
    • I did read the thread, but the advice was "don't pay" - and the original poster didn't come back to say what had happened in the end.   unclebulgaria - the DCA does have a copy of the official speeding notice.
    • I don't need to see a picture that has nothing to do with me. You may scoff if that makes you feel good but no one in their right mind would knowingly "contravene". I most certainly am in my right mind. The fact is I obviously needed to turn right but definitely would not have risked a fine if I had seen the sign. I'm not into donating my hard earned money to greedy councils. 
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zoommjpzoom

HFC email address

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Hello All,

 

Does anyone know there current email address?

 

Asking for my signed T&C.

 

Many Thanks


PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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I have tried that email, but it keeps bouncing back???


PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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Hi, Please have a look at my posts on HFC, I have attached the letters I sent them which may be of some use. Their Central Complaints Department is where you want to be heading for, please find contact details below:

 

Annette Mulligan

 

TITLE:Team Manager-Central Complaints

 

TEL;WORK;VOICE:+44.01212334477

 

ADR;WORK:;;Birmingham Business Centre Camden House West The Parade;Birmingham;;B1 3PY;United Kingdom

 

EMAIL;PREF;INTERNET:annette.mulligan@hfcbank.co.uk

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Many Thanks, got a reply this morning. :)


PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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Hi, Please have a look at my posts on HFC, I have attached the letters I sent them which may be of some use. Their Central Complaints Department is where you want to be heading for, please find contact details below:

 

Annette Mulligan

 

TITLE:Team Manager-Central Complaints

 

TEL;WORK;VOICE:+44.01212334477

 

ADR;WORK:;;Birmingham Business Centre Camden House West The Parade;Birmingham;;B1 3PY;United Kingdom

 

EMAIL;PREF;INTERNET:annette.mulligan@hfcbank.co.uk

 

Seen your link and you have sent some great letters!. I am right in saying the HFC is part of beneficial bank?

 

Cheers

 

PS They have been charging me PPI for nearly 3 years without my consent!


PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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I am right in saying the HFC is part of beneficial bank?

 

Cheers

 

 

 

Is this right people??


PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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They are linked to Beneficial Finance, yes.... which I assume is the same thing. I've also noticed many people are now receiving correspondence from an address in Halifax.... but HFC are/were based in Birmingham for years.

 

It's been a while since I had anything to do with them.... hence the rustiness... ;)

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Seen your link and you have sent some great letters!. I am right in saying the HFC is part of beneficial bank?

 

Cheers

 

PS They have been charging me PPI for nearly 3 years without my consent!

 

Hi Zoommjpzoom,

Yes you are correct, HFC bought over Beneficial Bank, this is who I had my original loan agreement with so take the contact details from my letters to enable you to speed up your refund process.

 

Kind Regards

Designhotty

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