Jump to content


  • Tweets

  • Posts

    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.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

HFO services / Barclycard


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4639 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 HFO have been quite until last week then I got a letter Headed Reminder notice of Assignment.

the gist of it saying my account is going to pre-litigation this week so giving me 7 days to pay up.

 

But today this came from them is it one of their standard threat a grams .

 

http://i423.photobucket.com/albums/pp316/dogtrainer05/HFO0001.jpg

 

In it they say I have made payments in the past which I cant remember paying anything to them.

They also say that it is unlikely that I will be able raise a credible defence .

 

Also from the date of the first letter to this one the balance has went up by £1.77.

I cant remember if I sent a CCA to them.

HFO0001.jpg

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

Link to post
Share on other sites

  • Replies 186
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Not see that one before, the court might consider taking a stern action against you, when was the last time you heard from them, can you give a bit of history.

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

dogtrainer (like the name)

 

We definitely need some more information on this, age, past contact with HFO etc They tend to insist that they have received mysterious payments on debts which should be Statute Barred (i.e. no payment or acknowledgement of liability within 6 years (5 if you live in Scotland)).

 

A SAR to Barclaycard should reveal if there is a credit agreement etc but you may have sent HFO a CCA request you say?

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Hi all as far as I can remember the Barclay credit card was taken out in 2002 everything was fine until 2005/2006 when we started to have fanatical difficulties.

As if or when the account was assigned to HFO I haven't got a clue I don't know if I have got any paper work from back then I will have a look but a lot of stuff got either shredded or put in the recycle bin.

 

The last contact before this must be between 6 month and a year.

 

We panicked and did make payments to some DCA's until October 2006 when I found out about this site .

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

Link to post
Share on other sites

Hi all as far as I can remember the Barclay credit card was taken out in 2002 everything was fine until 2005/2006 when we started to have fanatical difficulties.

As if or when the account was assigned to HFO I haven't got a clue I don't know if I have got any paper work from back then I will have a look but a lot of stuff got either shredded or put in the recycle bin.

 

The last contact before this must be between 6 month and a year.

 

We panicked and did make payments to some DCA's until October 2006 when I found out about this site .

 

The SAR to Barclaycard might answer a lot of questions, did you mean financial difficulty?

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

It does not sound like HFO are phoning you which is a good thing, did they send anything attached to the letters like credit reports? Take care if you receive any strange delivery cards asking you to phone a number - a way of getting your contact details.

 

Right - SAR to BarclayCard with £10 postal order - send recorded, they have up to 40 days to reply, letter above.

 

Send a CCA request to HFO, link below, £1 postal order, recorded, do not sign - they have 12 plus 2 working days to reply. If nothing received - send an account in dispute letter. If you can find evidence that you have sent a CCA request, and nothing received, just send the account in dispute letter.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Account in dispute letter

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

sorry to get in on this... but i received the same letter from HFO stating that i owe them monies from an old Barclay account. Again they also stated that i have payments in the past and i would be unlikely to raise a crediable defence. Normally I just ignore these DMC as they usually just blow hot air. But something tells me that these ones..'HFO' are probably more underhanded than the rest? and gathering by all the threads, they will try and take you to court?

 

I need some help... please... when looked at my credit reference account sometime last year I noticed that Barclays were removed from my account..there was no trace of them what so ever like if the debt did not exsist... now this. the debt owing was originally about £850 - £950.00 now it's £1844.95.. that double the amount in interest.... Due to a really bad situation I defauted with Barclaycard in 2006

 

Please Help

Link to post
Share on other sites

Hi Sam and Welcome

 

It is possible for you to start a new thread so that your case does not get mixed up with someone else - everyone is different. If you could go to the 'Debt collection Industry' main menu and find the 'New Tread' below below the announcements and there you can just cut and paste what you typed above

 

Cheers

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Hi coledog like your name as well

I have had a couple of phone calls but thats what the answer machine is there for.:-)

 

Will send SAR on Thursday to Barclay Card .

As far as I can remember the Balance when we got into difficulty's was only about £500 but now they are wanting £3067.92 which will likely be more now.

 

I have just found CCA letter to HFO dated June 2006 in a file which was on a old computer I don't know if I sent it or not.Should I send another one to them anyway .

 

Also this does not appear on my credit reference account.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

Link to post
Share on other sites

I would re-send the CCA request to HFO, lets put them on the spot. See what they come back with. Keep any recorded threats that are captured on your answering machine, as this company can be very threatening, and keep all letters and envelopes.

 

You said you have received a Reminder -Notice of Assignment but this does not say when the account was actually assigned? The SAR should throw up more detail.

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Is there a reason why there has been no contact, between HFO and you for such a long period, have you changed address, name, worked abroad etc ?

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

Hi coledog

I will send the CCA on Thursday and see what happens.

I will post the reminder letter up to let you read it but there no mention of when it was assigned.

 

Letter http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0011.jpg

 

Hi broken arrow

I don't know why they had not been any contact from them as there has not been any changes with me.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

Link to post
Share on other sites

I think it will stand as an NOA, but only from the date you received it.

 

All this ‘reminder’ stuff is rubbish. In court docs that I have seen, HFO have claimed to have ‘previously’ sent NOAs when clearly they haven’t – this was blown sky high when the NoA they put in their bundle had an address that the defendant hadn’t lived at when it was supposedly issued. Be wise to their games.

Link to post
Share on other sites

Well thats the SAR and the CCA both sent.

Is the SAR 40 working days or just 40 days that they have to reply by :???:

I know the CCA is 12 +2 working days.

will let you know when I proof of them being delivered.

:-) Just Keep Smiling.

as Some days your the Dog and Other days your the Lampost :-)

Link to post
Share on other sites

Well thats the SAR and the CCA both sent.

Is the SAR 40 working days or just 40 days that they have to reply by :???:

I know the CCA is 12 +2 working days.

will let you know when I proof of them being delivered.

 

within 40 days of their receipt.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...