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    • Incidentally to answer your question about what should you do immediately, I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off.  
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Another one for the HFO fan club!!!


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Hi folks

 

I had a Notice of Assignment from HFO Services re: M & S account (Credit Card I think).

 

Here it is word for word below:

 

Dear Delta-76

 

Your account, including all legal rights and obligations associated with it has been sold by Marks Spencers Fiin Serc PLC to HFO Capital. Your debt is now subject to HFO's standard terms and conditions.

 

This account has now been assigned to me. As HFO will devote all its commercial and legal resources to the collection of this debt, my responsibility is to assist you in coming to a final and positive resolution with this account. I request you to contact me as soon as possible so that we may work towards reaching an amicable solution on this outstanding issue of yours which is incurring interest charges because of non-payment.

 

It will never be cheaper or easier to settle this debt than it is today. We understand that no-one wants to be in debt and I will do everything I can to help you. If you have any queries regarding the assignment of you debt, please call me on 0203 **** ***

 

Yours faithfully

 

 

***************************************************************************

 

I have/had another account with this lot which I haven't heard a peep about from HFO for nearly 2 years now after CCA ing them & getting nowt back except more threatening letters until they got reported to the OFT/TS and Police.

 

This account was taken out in 2004/5, last payment was in August 2007, passed to Moorcroft, then when I was having trouble with HFO originally they said I had two accounts with them, this NoA is the first correspondence I've had with them for 2 & a half years regarding this account.

 

First question, how do NoA work, am I meant to get this from HFO or M & S?

Second is there any way they should be delivered in the post?

 

I what my next step will be & they ain't gonna like it! Any help would be appreciated, thanks!

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As you have delt with HFO before I don't need to give you the low down on them, but welcome to the HFO fan club. When does it say that the account was sold to HFOC?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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And just to note that your account is subject only (if enforcable) to M&S T&C's, not HFO's . They cannot enforce their own T&C's on the account. How much have HFO added to the total sum?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Doesn't say when it was passed to HFO as for how much has been added to the account at the moment is anyones guess.

 

When I had dealings with this shower 2+ years ago, they kept going on about a second account, never had anything about this account until now, so I would guess they have sat on it for two years or more.

 

CCA req off in post on Monday!

 

As for T & Cs I didn't think their own even came into it!

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Well you probably know the drill by now then, recorded delivery, keep the receipt. Keep all envelopes that their mail comes in etc etc. At a guess you will probably end up sending a SAR off to M&S , so you may want to think about doing it sooner rather than later.

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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The only date on this is the date of the letter Jan 11th.

 

With my other account I sent the CCA off they just ignored it, the letters come thick & fast along with many calls thats why in the end I went to the Police & OFT!!! I can see that happening again.....however........being a cagger for the last 2 years things will be very different for them this time.

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Then without any other correspondance that is your official date and notice of assignment , so they shouldn't of put any charges or interest on before that date.

 

Too right about the letters, they can be quite daunting when you first get them. I think if they weren't so bad I probably wouldn't of hid from them for so long, so they screwed themselves over really.

 

As your an experienced Cagger there's not much advice to give, think it's a case of waiting until you get a reply from HFO

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Tell you one thing I HATE this company, I mean really hate them, I remember the stress they put us through, thanks to this site, I'm more aware of my rights, as for experienced....I'm still learning, I think we all are.

 

There are still areas of debt collection I am unsure of, I try not to advise on things that I haven't experienced or done. I am expecting trouble with HFO of sorts ie phone calls etc but I have a far better way of dealing with them now than I did 2 years ago....if they don't take 'b***** off, everything in writing', set the Mrs onto them, she just turns the air very blue...they don't like my Mrs (she has Aspergers)!

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If you have not received a reply to the CCA letter within 12 plus 2 days send the Account in Dispute letter (in CAG library) and do not speak to them on the phone - tell them to foxtrot uness you can record the calls. Do not let them intimidate you and keep a record as all complaints can be fowarded to OFT who will be pleased to receive these.

Please support CAG and they will support you.

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I don't intimidate easily now, if they phone they get the 'In writing please now b***** off' if they are stupid enough to phone back to remonstrate then I'm like a broken record but the goodbye does get stronger then I set my Mrs on them!

 

One time I asked one woman what part of **** off doesn't she understand! Not nice I know but this is not a nice company to deal with!

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From memory, this was sent to Moorcroft in May 2007, then heard nowt until June 2008 when I was dealing with another account that HFO had also with M & S but this NoA is the first proper correspondence I've had with HFO regarding this particular account.

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HFO seem to be busy again of late - wonder why?

 

Perhaps somebody should try and word a strong letter to the OFT with a pile of complaints from this site and ask for their licence to be revoked. What comes on here is only the tip of the iceberg.

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HFO bought a batch from M&S in July 07, but the purchase was made under an agreement M&S made with HFO Capital Cayman.

 

The infamous CP2 document means the account was STILL assigned onwards to HFO Services.

 

By stating HFO Capital, they now mean Ireland, which we know cannot be the case.

 

Note that they will try to claim interest from the original date of assignment. They cannot. As far as you are concerned, the account was assigned on 11 Jan 2011, no earlier, as this was your first correspondence (and it reads as such).

 

A call to M&S to ask to whom and when exactly the account was sold would not go amiss.

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Don't forget to send them the Harrassment by telephone letter from the CAG library, my calls from them stoped immediately after I read them the riot act from it.

 

Yes there does seem to be an influx of HFO'ers at the moment. I think they have worked their way through the last batch of Barclaycard debts and moved on

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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Yes - they have a habit of trying to revive all accounts, they did this to me in July 2010 although I am sure that they were harassing me in 2008 when I joined CAG. Must be running out of accounts to chase.

 

Beware though, as I am sure that they are now under the impression that they can use Application forms and others bits of paperwork to prove their case so it is important to be aware of what they have and mount a defence.

Please support CAG and they will support you.

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