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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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HFO Court claim unknown debt with no credit agreement


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So they don’t have an agreement? Smells like they know they are f***ed.

 

If you must talk to them record the calls. They have already lied to you – this is no proof of an agreement or loan. Better still, stick to email or letter.

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There was a payment made by Visa in April 2005. That should help identify who was servicing the loan. This was a c£13k loan, and only a few payments were made against the account.

 

Get on to the Police.

 

As usual, Mr Uzair Shah has been economical with the actualité when claiming a signed copy of the loan agreement was enclosed.

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I am 100% sure i did not take out a loan for that amount, I will go to the Police station tonight and inform them of this. I also have a letter from HM Revenue & Customs stating i was the victim of ID fraud but due to the nature of it they could not tell me how my personal records were obtained. This letter was dated March this year but may not be relevant?

 

I have written to the court asking for an extension while i proov the debt was not mine.

 

I have Emailed Turnbull asking for a copy of the missing Credit Agreement.

 

Thankyou for your Help DonkeyB

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Anytime. Glad to help. Just be careful with HFO – they do not play fair, and will subvert the system to stuff you if they can. Send everything to the court recorded delivery. It just means they’ve bought a turkey. Merry Christmas Mr T!

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1/ I sent them a CCA request and they ignored it and issued a county court claimN1, I wrote back to the court stating i do not acknowledge any debt to this company or welcome finance.

Was this sent recorded delivery

2/ have you acknowledged the n1 court claim with the intention to defend all

3/ have you sent a cpr 31.14 request to hfo

4/ what at the exact MOMENT IS THE SITUATION WITH THE N1 CLAIM

Have you sent a defence, please supply a link or thread number

Have you received an allocation questionnaire

Thats no agreement thats been posted up

 

Shame on you hfo

 

Ime going to enjoy this one

 

Sorry if going over old ground but need to be sure

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1. I never sent the CCA request via recorded as i did not know what i know now!

 

2. I acknowledged the N1 Claim Form and defended it with the following Defence: " I do not acknowledge any debt to Welcome Finance or HFO Capital, I have asked them to provide a signed credit agreement but they have failed to do this, I have attached a letter i sent requesting the agreement (I enclosed a copy of the original CCA request i sent HFO) They say i owe £19811.10 on there original letter. I have never had a loan with this company i have checked my credit file and no Debts" (This is exactlt how i worded it)

 

3. I have not sent a CPR request to HFO (I dont know what one is or how to go about it)

 

4. I have recieved a Standard Order for Stay for settlement with consent of all parties On order before 17th November 2010 (I only recieved this letter Saturday Morning) i sent them a letter yesterday recorded delivery:

 

I am writing to ask the court for an extension of the stay period as I am gathering evidence to prove the loan was not mine.

Thats the current state with things my end, not sure what else i need to do now, wish i knew about this site before its amazing

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What happend I cant say on on form, however, anyone I know I will mail you the explicit details

 

From your post it does not sound good, but do not give in.

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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