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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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HFO Services/Capital/Turnbull barclaycard debt


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The second Roxburghe was the only one in existence at the time my account was sold...

 

Monumental cock up somewhere in Turnbull's organisations but either way... they have been caught with their pants down on this ;-)

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GH...

 

Wrong Roxburghe ;-)

 

Check out company ref 3137269 instead.

 

apologies I had a 0 in front of the number (as in the BC letter) my :oops:

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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This is a follow up the question; who paid?

 

TR would have you believe that HFO Capital did. They produced the NoA on Barclays headed paper to add an air of legitimacy to the whole issue.

 

I questioned this assignment and TR conveniently had some account sale agreements laying around... got a minion to type up my personal details (obtained from who knows where?) on an excel sheet to make it appear as if my account was one of a batch sold to HFO Capital.

 

All of their submissions to the court are desperate attempts to convince the court of this assignment.

 

However, it was sold to Roxburghe UK Limited... who changed their name to HFO Services Limited in August 2004 EXCEPT my account was sold to Roxburghe UK Limited in May 2006 when both companies were in existence (a company called DSG Collections changed their name to Roxburghe the same day the other Roxburghe changed theirs to HFO).

 

I wish I could say "you couldn't make it up" but it appears someone did ;-)

i get the feeling this is when HARPER AND BADRI JUMPED SHIPS ? SO IN EFFECT VALIDOR IS IN THE MIX SOMEWHERE ALONGSIDE CONSILLION GROUP ? now its getting a bit sticky ,tax loopholes all over shop

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Best to leave the tax bits to the tax experts...

 

I still have a case to win of course... as for the costs hearing, well, the Judge is will have a field day with their conduct and I intend to seize upon every grubby detail.

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He is known as Hanging Judge Jeffreys because of the punishment he handed out at the trials of the supporters of CAG hehe ,,,hope not lets not have history repeat itself centuries later me being a scotsman an all i would nt stand a chance lol

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I was rather intimating that Judge Jeffreys may like LiPs, and may mete out a suitable punishment to a claimant who may possibly be relying on not completely truthful documents to try and win. Ramsay!

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It should be amusing...

 

This rubbishes all of his evidence in the set aside hearing... all of the evidence in response to my defence... all of the evidence for the summary judgement application... all of the evidence for the response to the costs hearing.

 

Oh deary me... how are they ever going to get out of this one. Admin error? Only one kind at Turnbull Towers judging by the multitude of cases on here...

 

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Vj this is an awesome piece of work against this seriously dodgy company. Beware of speeding cars though I don't think they are very nice people.

 

This work alone must have cost them any functioning and financially lucrative relationship they had with Barclaycard. They'll not have any tax liability to dodge any more.

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Vj this is an awesome piece of work against this seriously dodgy company. Beware of speeding cars though I don't think they are very nice people.

 

This work alone must have cost them any functioning and financially lucrative relationship they had with Barclaycard. They'll not have any tax liability to dodge any more.

 

Couldn't possibly comment on tax issues with this company even if the set up looks like it is geared that way ;-)

 

I'm keeping going with it all... just waiting to receive their defence to my court claim against them and then waiting for the 19th May to come around for the costs hearing for the claim they decided to discontinue.

 

Litigation can be a long slog but it isn't half worth it when you exonerate yourself and reveal mis-management/wrongdoing etc - lots of it in abundance in this case :D

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Vj this is an awesome piece of work against this seriously dodgy company. Beware of speeding cars though I don't think they are very nice people.

 

This work alone must have cost them any functioning and financially lucrative relationship they had with Barclaycard. They'll not have any tax liability to dodge any more.

 

Strange - I do get twitchy sometimes when crossing the road in Wimbledon...

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Came across HFO website but it must be a different company to the one being discussed here [there and everywhere!]

 

About HFO Services

 

about_graphic.gifHFO is a well established and fast-growing global distressed debt investment company headquartered in Europe. The group currently has over $1 billion in portfolios under management.

Adopting a brand new approach that is setting new benchmarks for the industry, we continue to fuel our ongoing investment in technology, analytical processes, infrastructure and, most importantly, people.

Over the past decade, banks and other consumer lending organizations have increasingly turned to selling their non-performing consumer debt to operations like HFO in order to improve cash flow and enhance their balance sheets.

HFO uses state-of-the-art technology combined with a very disciplined and structured approach to debt portfolio purchase and liquidation - a methodology as of yet notably absent in the UK market.

This enables HFO to generate returns well above UK market averages and benefit from the significant growth potential in the market for charged-off debt.

HFO is centred around a value-add model which also reflects our company ethos. This has allowed us to develop a meritocratic culture that rewards those individuals that are driven to succeed.

 

HFO uses state-of-the-art technology combined with a very disciplined and structured approach to debt portfolio purchase and liquidation - a methodology as of yet notably absent in the UK market.

 

That's 'Porky Pies' and 'Blue Peters' in laymans language!

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They keep using that term 'portfolio liquidation' = suing by whatever means possible, fair or foul.

 

'...a methodology as of yet notably absent in the UK market'. That's because most of that 'methodology', which has been reported in the Mail on Sunday and even in the House of Commons, has broken every rule in the OFT book.

 

My VJ, the silence from Turnbull Towers is deafening!

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i must have been daydreaming did i see a post saying hfoc ireland have shut down ????

 

Wake up Patrick! If you did, you were asleep - don't think that's true. If you find it again, please let us know.

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