Jump to content


  • Tweets

  • Posts

    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
  • 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

Need urgent advice on a 7 year old debt with hfo services ltd


mwf1982
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4666 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

if you have the notice of assignment from hfo back from fos now does it say who the debt has been assigned to? Is it roxburgh or hfo?

Your next step is to send an account in dispute letter to hfo on 8th sept if they have not sent a cca agreement back. It may be worth adding to this letter that you have no record of the payments hfo claim you have made to them, perhaps someone else can advise on this????

Did you send a telephone harassment letter to hfo regarding their phone calls and report to consumer direct/trading standards? They cannot pretend to be solicitors and threaten to freeze your bank accounts. Also update fos and oft with these latest threats as that is what they are. Ignore any calls.

A sar request to the oc may be a good idea - there is a letter on another thread that may be useful, i will find it.

 

got the orignals back from fos and it was a notice of litigation not assignment.sorry for the mistake.ive updated fos and oft with the latest threats

also updated consumer rights and there are forwarding them to tradeing standards.

Link to post
Share on other sites

  • Replies 461
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

As per my previous thread here is SAR request, send with a Postal Order for £10 to BC and sign but crosses through so it cannot be copied.

 

[your address]

[their address]

 

[DATE]

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

[signature]

 

[name]

Send to :

BARCLAYCARD

Data Protection Team

Dept LRC

Northampton

NN4 7SG

 

thank you coledog i will do it first thing monday morning and it specail delivery to bc,but i am guessing i will be in court before 40days. i was going to send off a sar about a week and half ago but a differnt user told me not to.

Link to post
Share on other sites

roxburghe uk limited might be linked. or does it not matter in the eyes of the courts?

 

They are linked, all part of the concillian group, but only the owner of the debt can bring legal action and that is not HFO, also their are a number of HFO incarnations, the same thing applies,they know this I have it writing signed by them.

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

You are a long way from court as yet I think! If you put the account in dispute they have to come up with some kind of agreement and then decide if it is worth taking it to court. You are indicating to them that you are prepared to fight this. Anyway if they do issue a court summons you can ask for time to obtain all the information you need.

 

Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

Please support CAG and they will support you.

donate

Link to post
Share on other sites

You are a long way from court as yet I think! If you put the account in dispute they have to come up with some kind of agreement and then decide if it is worth taking it to court. You are indicating to them that you are prepared to fight this. Anyway if they do issue a court summons you can ask for time to obtain all the information you need.

 

Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

Thats good im glad its a long way off to court,its great advice ive received from all the users on this site.Hfo just ring on a old phone number what ive had for 10 years,its not my main telephone dont really use it really i might just bar all calls on that number and them there cant ring me at all which will **** them off.I am just getting fed up with them,I guess the letters the hfo send are just templates...

 

I just hope the FOS letter what there sent to the owner of hfo services will help me!!

 

what do guys think?

Link to post
Share on other sites

Can the others advise on whether it is worth questioning HFO about the payments they have claimed were made 2 years ago??

 

tell them PROVE IT, AND TO SHOW THE EVIDENCE IE PAYING IN SLIP CHEQUE NUMBER OR POSTAL ORDER NUMBER ETC?

ask if it ever gets to court to produce proof that this payment was commissioned by you ...and if not then you would be asking the judge to enter a charge against them of trying to obtain payments from you for pecunary advantage , this alone in my opinion is a crimminal matter and for the POLICE and also TRADING STANDARDS

Link to post
Share on other sites

Good idea to barr calls or just refuse to speak to them.

 

I have had no dealings with FOS so cannot say how effective they are but my understanding is they tend to side with the financial companies BUT they are not the law. The OFT and trading standards probably have more power to stop illegal practices by DCAs.

 

In my view, your main problem here are the payments HFO have claimed to have received and I think you should follow Patrick's advice above and ask HFO to send evidence about these. I suspect you will be sending them a letter next week as it is unlikely they will have an agreement.

 

All DCAs use templates and the letters you get will be the same ones received by me and others on this site. I would normally put these straight in my shredder bag but this DCA have managed to reach new lows through their threats and use of personal data.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

i will follow Patrick's advice,any see if there can prove i made these payments.Has i dont recall makeing these payments,also i got a copy of septembers credit report and there have change the address to my current address where i lived here for 19 months. And still on the equifax credit report there are no evidence of any payment in the payment graph that it shows on my credit report.

 

 

THANK YOU PATRICK I WILL TAKE THE ADVICE YOU HAVE GIVEN ME.I WILL GET THE LETTERS READY TOMORROW AND SEND THEM FIRST THING MONDAY MORNING....

Link to post
Share on other sites

HFO do not seem to do 'doorstep collection', shame as you have a Rotty, they just send photos of your home.

 

I am just collecting bits of intelligence that may prove useful - don't worry you will be the first to know but don't want to alert the enemy just yet. Hello guests!

Please support CAG and they will support you.

donate

Link to post
Share on other sites

hfo do not seem to do 'doorstep collection', shame as you have a rotty, they just send photos of your home.

 

I am just collecting bits of intelligence that may prove useful - don't worry you will be the first to know but don't want to alert the enemy just yet. Hello guests!

sorry for keep bothering you coledog but orginally i requested the cca agreement by email at first and there said there wont be able to get it until 4 weeks,so i requested it still in writeing by post. I dont email them anymore just rather let them send me letters through the post,has there cant ring me anymore.

CAN IT TAKE 4 WEEKS FOR THEM TO GET IT? OR WILL IT TAKE 4 WEEKS ON A WAITING LIST TO MAKE A FAKE CCA

Edited by mwf1982
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...