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    • Hi Guys, well a year on and my friend has just received this in the post today, obviously a little scared so looking for more of your advice.  Letter from the NCC dated 1-May-2024 is as follows.......   Before deputy district judge Haythorne sitting at the national business centre, 4th floor st Kathrine's house Northampton Upon reading an application from the claimant  it is ordered that  1. The claim be sent to the county court at #### (Friends local Court) Because this order has been made without a hearing, the parties have the right to apply to have the order set aside, varied or stayed.  A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this order.  If the application is one which requires a hearing, and a) the party making the application is the defendant: and b) the defendant as an individual, then upon filing of the application the claim will be transferred to the defendants home court.  In all other cases requiring a hearing the claim will be transferred to the preferred court.    As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) 
    • I am heading over to hers tomorrow so I will find out.  Will there be something written in the agreement or does it depend on the agreement its self ? Just so I know what to look for, so I can provide as much information as possible on here. 
    • The answer to this is going to depend on what the agreement your friend signed says. Or contact the housing provider and ask them.  
    • Thank you all for the responses, to answers a few questions  - she has had the car since Jan 23 on a 5 year term.  - She is unsure what the agreement is called, but at the end she has the option to make a payment to "buy" the car - she recieves benefits for her young children alongside the ssp (normally she would be on NLW for a 16 hr a week job)  - Yes she would like to keep the car  She has not responded to the last email from them asking her to call and it'll be followed up in an email. I told her to hold off until atleast Wednesday so I can read a few posts on here and get some more information.  I will ensure she follows up with a letter, that has not been signed but instead her name written.   Thank you  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help HFO


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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
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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:

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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.

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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.

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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?

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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.

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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.

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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.

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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.

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