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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have just come accross another stick to beat them with if this goes to court.

 

We wrote to welcome asking for an early settlement figure - but welcome being welcome ignored it. So a week or so later we wrote again - and ignored again.

 

Have just found this on the OFT website concerning early settlement.

 

The Consumer Credit (Settlement Information) Regulations 1983, as amended by the 2004 regulations, set down the form and content of settlement statements. A statement must be provided within seven working days of the borrower's request.

 

And they can't say they never got the letters - as they sent copies to me to help prove the loan was not statute barred.

 

A bit more reading i think.

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Well breaches of this act seems to be dealt with in two ways the first.

 

Failure to comply with the regulations can lead to the OFT or local authority trading standards services taking enforcement action against the lender, using powers in Part 8 of the Enterprise Act 2002.

 

Having read part 8 of this act it seems to amout to someone from the OFT either writing to them to say stop it and don't do it again. OR popping round for a cuppa and biscuit and doing much the same.

 

It is worth a formal complaint though - but not sure if it should be welcome, (if they are still around long enough to take the complaint), or aginst HFO - maybe both?

 

Part Two is more interesting -

In addition, if the lender fails to provide a correct settlement statement he is not entitled to enforce the agreement until the statement is provided.

 

So does this = non enforceable agreement?

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i see where you are going with this but we need to check if they were not ammended say in the 2006 regulations

 

all this can be added into the witness statement if needed but i very much doubt it will be needed

 

lets see what rubish hfo come back with in there response to the defence first

 

we can work from there

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i see where you are going with this but we need to check if they were not ammended say in the 2006 regulations

 

all this can be added into the witness statement if needed but i very much doubt it will be needed

 

lets see what rubish hfo come back with in there response to the defence first

 

we can work from there

 

Was intending to hold this back for further ammo if needed - along with a couple of other bits and pieces.

 

The info quoted is from the OFT site and is current though.

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I can understand no NoA, but would have expected a default and termination notice, do any of the printouts, indicate when and to who the account was sold to?

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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I can understand no NoA, but would have expected a default and termination notice, do any of the prinouts, indicate when and to who the account was sold to?

 

No - In fact they have provided nothing except a statement that relates to the account which HFO are claiming for.

 

Looks like they literally sent HFO everything they had for the account.

 

Also going to send you quick pm with some other info - not sure to put up publicly yet.

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No - In fact they have provided nothing except a statement that relates to the account which HFO are claiming for.

 

Looks like they literally sent HFO everything they had for the account.

 

Also going to send you quick pm with some other info - not sure to put up publicly yet.

 

Was going to say send to donkey, shows the importance of doing a SAR:-D

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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‘Despise’ isn’t strong enough!

 

Incidentally, in two days’ time it will be exactly ONE YEAR since HFO Services’s Consumer Credit Licence expired. They still have not had it renewed. What the hell is the FSA doing?

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

 

 

 

 

Licence Number:0555914

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberHFO Services Limited05120067

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

Issued Date: 26-Sep-2004

Expiry Date: 25-Sep-2009

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Hi DB

 

I thought this after investigating it initially. The fact that the word current appears under status implies that it has been automatically renewed. I did read it some where on the OFT site, but I dont think even this lot would be that stupid enough to trade without it. LB

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