Jump to content


  • Tweets

  • Posts

  • 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

HFC BANK Re:- Charges and DN.


twoman
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4459 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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...