Jump to content


  • Tweets

  • Posts

    • Hi again uncle,   Tyvm for replying again. That's something I never even thought about. Ty for giving me the idea. I will find the phone number I need and when my carer comes on Friday I will ask her to phone them. I'm really deaf and can't hear what people are saying to me on the phone, so I have to have my carer make the calls with me there.   Thanks again, Lava
    • 2 backdoor CCJ set asides = 2 N244's unless @Andyorch knows different? bearing in mind one your paid and is now marked satisfied on CRA file (still harming you just as bad mind!!)
    • Hi all,   I hope this is the right forum to ask the question.    Today I have had a knock on the door, with a man claiming to be a roofer saying that he and his team is doing a big job near by and today there is some down time and they would like to go around the neighborhood to find extra jobs with a discount. He looked genuine enough and asked if I would like to have my gutters cleaned.  When he gave the price of 120 pounds and that he would do it straight away.  I agreed.    I was very busy today with back to back work meetings and I just left them doing the job.  Soon one of his team came to me again saying that while cleaning the gutter he saw some missing slated and rotten timber underneath, with some small birds nesting in the holes, asking if I would like to get it fixed.  I asked for a quote and he said no more than a couple of hundred and he can do it quickly.  If I don't fix it then potentially it would result in damages to the walls etc.  He wanted to show me the damages but I was in the middle of a meeting and just agreed, but insisted that I must be informed of any more work and anything more expensive I need to see a quote first before deciding.   So about two hours later they told me they have completed the job --- I did not observe them.  And to my estonishment they gave an invoice initially of 1750 pounds!  The reason, they explained was that they went on to the flat roof and find edge of the roof splines to be in a poor condition and decided to repair those for me.  They used concrete to secure them and was quoting 40 pounds each, for total of 41.  They also said they sealed the lead covers underneath.  The original job to fix the rotten timber was quoted at around 500 (already much more than I was expecting).  They gave me a discount which resulted in that 1750 figure.  They claimed repairing those were necessary as part of repairing the rotten timbers?  I am no expert but it didn't sound right.   I am definitely not happy and asked for an itemized breakdown of materials and labour before I will consider paying any of it. They then sent me an invoice of 1500 with no details at all.   It has now dawned on me that all of it feels so fishy.  I am considering my next actions:   - I am willing to pay for gutter cleaning - I am willing to pay for the repairs for rotten timber, IF they can provide proof of what they have done.  I am asking for before and after photos. - I am not willing to pay for the work I have not asked for and did not know of beforehand.  They tried to make it sound like I agreed to it, but I am quite certain I definitely did not.  However there is no proof, everything is verbal.   There are no contracts signed.  As of now I have not paid them a penny.   I wish to seek advice on if my next step actions are reasonable and what other courses I should take?  To be honest I am now really gutted that I opened the door for them, and I am now even not sure if they had actually replaced anything on my roof as I did not see any rotten timber being taken down, no waste whatsoever.  I am even more worried if the roof was damaged in the process.   I am sure they will be coming back to my house tomorrow to demand payment, so any advice on how to deal with them would be really helpful.  I also don't want to antagonise them, I have no idea who those people are, I checked their company and it looks like they only established it last year.   Thank you so much in advance!    
    • You think the "Local Council" (of other authority depending on the status of the road) had a responsibility to take winter weather precautions for your protection.   Before gaining my support, can you confirm that you did similarly by equipping your car with 'winter' tyres?   Most people 'south of the border' do not bother. In many countries/regions (including where I live) they are obligatory in winter months irrespective of daily weather conditions.  They work, even on black ice, but adapting driving style is still required.
  • Recommended Topics

  • Our picks

HFC BANK Re:- Charges and DN.


twoman
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3633 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

  • Replies 105
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Tingy,

They first defaulted the account in the August 2009 and have been paying ex amount but stopped paying because credit file said one amount and Restons were claiming another so refused to pay and requested information.

Only owe £125 now but £102 is adminstration charges,so they say and unless i pay they will default me....muppets.!!

How do i start the process of reclaiming unfair charges from them?

Link to post
Share on other sites

moved to the HFC forum

 

dx

siteteam

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

you need to be clear here

 

hfc are very clever [well no - they are crafty]

 

i bet the letters say default SUM notice?

 

if they do say Default Notice and you have two of them

AND

you have not between the two, broken a new 'payment aggreement' with them,

then go get 'em

 

go get 'em anyhow BTW:

 

ALL unlawful charges can be reclaimed at THEIR int rate !!

 

and look out of mis-sold 'compulsory' PPI

 

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

i'd put in a reclaim for all the unlawful charges and ppi?

 

if you've not got the statement history sar them first

 

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

  • 1 month later...

DX,

I S.A.R HFC and they replied saying they wanted passport etc and signature etc.

Sent them letter saying no way as you have communicated with me before there is no reason why you an not supply the information i have requested.

Received a letter today from RW demanding payment (£125.00) within 10 days blah, blah or else (court).

Link to post
Share on other sites

DX,

I S.A.R HFC and they replied saying they wanted passport etc and signature etc.

Sent them letter saying no way as you have communicated with me before there is no reason why you an not supply the information i have requested.

Received a letter today from RW demanding payment (£125.00) within 10 days blah, blah or else (court).

 

 

They are entitled to satisfy themselves as to your identity. However, a couple of utility bills or similar will suffice.

 

If you want to do anything with RW, write and tell them the account is in dispute with the OC at present so they shouldn'tt be collecting on it. Personally I'd totally ignore the letter. They can't take you to court as they don't own the debt. The OC isn't going to take you to court while you're in the middle of getting an SAR and so are obviously being proactive in trying to resolve the debt - the judge would look very unfavourably on them wasting their time.

Link to post
Share on other sites

Tingy,

I am not disputing the debt and were paying Restons upto Nov then thay passed it back to HFC.It was only after a letter saying about admin charges i decided to SAR them and now all of a sudden they want proof of who i am?...friggin idiots.

I really want to nail these barstewards for everything i can get and to report them to who?

Link to post
Share on other sites

Tingy,

I am not disputing the debt and were paying Restons upto Nov then thay passed it back to HFC.It was only after a letter saying about admin charges i decided to SAR them and now all of a sudden they want proof of who i am?...friggin idiots.

I really want to nail these barstewards for everything i can get and to report them to who?

 

OK, but unfortunately, or more irritatingly for you, they are still perfectly entitled to satisfy themselves as to your identity if you have sent an SAR. You cannot report them for doing this,they are quite within their rights, however annoying it is for you. Go outside and kick something - you might feel better!

Link to post
Share on other sites

  • 2 months later...

Hi Caggers,

Eventually agreed to sign letter requesting sar...put a BIG line through signature and posted request on the 30th March 2011(have proof).

Have checked with post office and they cashed the £10 PO on 12th April..so today i was expecting the info from HFC (40 DAYS UP) or am i mis-calculating the 40 days.

If i am right what is the next step for me.

Link to post
Share on other sites

40 calendar days from cashing date

 

but with HFC its hope and prey anyhow.

 

i would think they are very busy at present running around shredding anything over 6yrs old to stop hundreds of thousands of reclaims.

 

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 is 40 days from receipt (see DPA Section 7 Subsection 10), but it is almost irrelevant. Most people accept a bit of leaway as it can be a mammoth task to put together. Also, if they choose not to supply it, you can only force them to comply by pursuing them through the courts.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...