Jump to content


  • Tweets

  • Posts

    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. 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?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Help HFO


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5130 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

HI,in 2003 i took out a loan with welcome well it was actually a reloan,

I must have stopped paying it for some reason, the amount was about £3500 in total with payment protection etc.

 

Well a cple of weeks ago i got a letter from HFO along with a photo from google earth of a house, they must think its mine but its not, here is the letter:

 

th_HFO1stletter.jpg

 

So i phoned them then i hung up, the following week i had quite a lot of phone calls from them so i sent 2 letter, one for a copy of the true credit agreement, and the other to ask them not to phone me, then i got a further letter with a copy of the credit agreement.

 

http://i927.photobucket.com/albums/ad116/crazystevie_2009/HFO/HFOAgreement001-1.jpg

 

and also this letter:

 

http://i927.photobucket.com/albums/ad116/crazystevie_2009/HFO/HFOLetter001.jpg

 

To day they phoned me twice on a mobile number within 3 minutes, informed them if they phone again i will report them to trading standards i then hung up.

 

07760626394 was the mobile that was used, can any one tell me where i stand as they are asking more than double what the debt was for. many thanks.

Edited by stevie1958
Link to post
Share on other sites

This agreement is unenforceable. They must list the loan and PPI as separate with their own charge and prescribed terms (interest rate, repayment schedule) and each with their own signature box and they cannot add fees to either. CAG does not advocate debt avoidance but you can either pay them a pound a month or nothing at all. Those are your choices. I know what I would do. They are going under and have stopped trading. Serves them right for being so greedy with APRs at 45%!:eek:

Link to post
Share on other sites

HI Pinky, i lost my job due to health reasons last year, i have just got a new job so i am trying to sort out my finances, however i just could not afford to pay HFO this amount of money, i really do apreciate your help.

Link to post
Share on other sites

Why do these finance companies deal with sh1tebags like HFO?

 

That letter breaks so many OFT rules - it is threatening and misleading.

 

They say WHEN we obtain judgment. They say bailiffs WILL call.

 

This is nonsense, as they have to get judgement first, and with paperwork like that - and the HFO Fan Club on your side - that ain't gonna happen!

 

Please complain about the content of this letter, and its intimidatory nature (ie. sending a picture of your house together with threats of action they cannot yet take) to your local trading standards and the OFT.

Link to post
Share on other sites

Have they sent you a notice of assignment or any other paperwork? Also, can you give us some more history? When did you last make a payment? Did you receive a default notice from Welcome?

Link to post
Share on other sites

Stevie I think you have left personal info on the first letter.

 

You have still not removed your address from the first letter :mad:

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

There is an address slap bang in the middle of the first letter. Guess it's yours. Somewhere in t'north.

 

Very near to me donkey, better than darn sarf

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Well this is the information i have up to now:

it was last paid in 2004 but i do'nt know what date,

 

I also got car finance from welcome in 2007, they told me the loan had been written off.

 

I have not recieved any info stating that this debt has been passed to any one else, nor have i recieved a default on it.

 

I recently got a copy of my credit report and it is not on their, however 3 months ago it was, HFO had defaulted me on it at just over £3000.00, that has now disapeard from my credit file.

Link to post
Share on other sites

I would tell HFO that the agreement is unenforceable for the reasons I put in my post above. You can then offer to pay £1 a month and tell them that is all you can afford or add at the bottom of the letter that you trust this settles the matter and the ignore them.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...