Jump to content


  • Tweets

  • Posts

    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
  • 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

BARCLAYCARD have given debt to HFO services please help??


becca26
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4974 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 All

 

i have recieve a letter today from HFO services saying i am on a 72 hour notice of litigation and that if they do not hear from me within 72 hours the account will be passed to there solicitors for legal action. HFOs legal fees will be then added on to this debt.

 

this barclaycard debt is from about 5/6 years ago when i was living with my ex partner who i had to leave..Anyway i forgot about this card as i moved address and im100% sure it was only a balance of around £250/300 and they now are asking for £1252.60....

 

what shall i do please help me?????????

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

HI all

 

I have recieved a letter today from HFO who are saying that i am refusing to pay my debt?? i forgot i had a barclaycard as it was 5/6 years ago and from previous address when was with ex partner. i havent received any letters previously from this company or from barclaycard like since prob 2004/5.

 

It is stating in the letter that i am on a 72 hour notice of litigation?? and they say we should warn you that if we do not hear from you do not get in contact within this time you account will be passed onto our solicitors for legal action,and this will result in legal costs being added to your debt.

 

The card was only for £250 and these people are asking for £1252.60

 

Please advise me on what i should do

 

thankyou all

Link to post
Share on other sites

Hi

 

Welcome to the HFO Fan Club. This debt could be Statute Barred if you are certain that you have not made any payments or acknowledged it for more than 6 years (5 if you live in Scotland) however, if you are unsure, I think I would send a request for CCA letter, registered post with Postal Order for £1 and do not sign this letter. The link to the template is http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If you do receive anything like a proper agreement within 12 working days (plus 2 days) you can then put the account in dispute and they would have problems doing anything 'legal' until an agreement is produced. Post any replies back on here.

 

It does not sound like they are phoning you which is good.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

pers i'd send nothing.

 

its for them to PROVE it not statute barred

 

not for you to prove IT IS>

 

typical phishing letter whwn a debt is getting close.

 

if the OC wanted their money they would of asked for it YEARS ago.

 

you owe no-one nowt, don't fall for their carrot.

 

IGNORE

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

hey coledog

 

I will do the CCA letter just to be on the safeside. No they are not phoning me thank god:D. thankyou for your advice i will get the letter done and sent off tomorrow and post updates on here

Link to post
Share on other sites

dx100uk thanks for your reply,they may well of been asking for it but ive not lived at that original address for around 5/6 years so they may have only just found my new address.....

 

should i still ignore or send the cca(which i probably will anyway)

Link to post
Share on other sites

pers i'd ignore...

 

have you got a copy of your cra file?

 

if nowt shows on there about CCJ's then i'd not pull their tail.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

let us jump that bridge when we know that.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

It does not sound like they are trying to enforce a CCJ as they are just threatening 'legal action' now but it is worth getting 'free trials' of your Experian and Equifax credit reports to see if there are any entries put there by HFO or Barclaycard (or if they have recorded any recent searches). Alternatively, you can get a printed one by sending them £2, I think.

Someone on CAG has advised that you should not enter your true phone numbers (make one up) when you register as they can be passed on to creditors. Remember to cancel before the CRAs charge you (you need a debit card to register for free trial). Alternatively, you could wait and see if HFO send you a copy of your credit report plus a photo of your house, which they did to me!

If this alleged debt is on your credit report, it could show how far it is away from being stat barred.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

good idea!

let hfo do it for free!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks cole dog i have just requested my report from experian so i will wait and see what it says on it.I would never get another credit card/catalogue/store card or any other means of credit from any1 strictly cash i say, these companys must make billions and make thousands of peoples lives miserable.

 

i was young and daft i suppose:(

Link to post
Share on other sites

Couple of points, if you do decide to write to them, do not sign just type your name, head your letter with " I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT"

 

You say you have requested your credit report from one of the CRAs, well expect any number of creditors to come out of the woodwork now, as the Dcas are the paymasters of CRAs, hence i always advise anyone against broadcasting themselves to these vultures

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Link to post
Share on other sites

I have posted on the other thread aswell, they could do with merging, could get messy, ignore HFO for the moment, but send SAR to Barclaycard, should include copy of CCA.

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

i'll get the threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

2 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Becca

There seems to be a good plan here.

 

Ignore HFO for now - keep the CCA request in mind as may need it later if you get more hassel.

 

Check credit reports. I got mine it July and have found it useful as I know which worms are now in the woodwork, so far not caused any problems

but don't give them any data like phone number.

 

Send Subject Access Request to Barclaycard. This should tell you if there was a valid CCA agreement (doubtful), when any payments were last made,

who BC sold the debt to and when etc. BC will have sold the debt as HFO will not be acting on their behalf.

 

THE SAR costs £10 by postal order and they have up to 40 days to reply so could take a while.

 

Don't worry - the more information you can get, the better. Report back with anything received.

 

The link to the SAR letter is:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

I don't have an address for Barclaycard but I am sure that other Caggers do.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Thanks cole dog was getting in a panic then

 

I'll ignore HFO then and go with the SAR plan,I'll try n google BC address or wait for other caggers to give me

 

keep you updated

 

this CC is from at least 5 or more years ago now I'm sure

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...