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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HFO Services helppppp


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Do they state this is ALL the data they hold or that there is more to follow?

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Try mentioning OFT Guidance Para 2.2 g.

'' It is unfair to ignore or disregard debtors legitimate wishes in respect of when and where

to contact them.etc.

Para 2.6j may also be effective ''acting in an embarrassing way which phoning or posting letters to your work can be very difficult

as some employers open all post that comes into their premises.

 

Thanks for this

I will try to incorporate.

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Glad to be of help!!:-)

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Is it recorded anywhere, who the account was sold to and on what date, don,t expect an NoA as all these are produced by HFO.

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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Nothing in the letter and package says who and when it was sold nor does it say if more to follow from Barclays

the 2nd which was a package as i had the account for some time was sent registered delivery and I had to sign for (just printed my name)

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is this letter ok to send

Dear Sir/Madam,

Notice before Legal Action

I enclose a copy of the letter I wrote to you on 18th April 2011.

I have given you a reasonable opportunity to act upon my complaint. Which, you have failed to do.

If you persist in contacting me at work when I have written and verbally requested you to use an alternate contact address (as above) and in writing only, I will commence legal action for compensation for harassment, and will also contact the police re: criminal harassment.

OFT Guidance Unfair Practices: Para 2.2 g

g. it is unfair ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them,

OFT Guidance Unfair Practices: Para 2.6 j

j. acting in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care by running the risk that it could be read by third parties.

Yours faithfully

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Hi

Today received

B Card : copy of orginal Application so tiny - Still nothing stating who sold too

HFO 72 hr notice of Litigation to my home address(Only posted dispute letter yesterday) stating they are clear i am unwilling to pay (LOL)

no response from them for my request at all

Do i ignore this or respond

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So only an application form that seams like a microfiche and a threato-gram all at

there professional best again!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 5 weeks later...

Here we go again

I have sentt CCA to HFO they have cashed my £1 postal Order not provided a thing..

 

Ive sent the dispute letter some time ago now ...... nothing

 

JUST GOT THIS

 

Received a letter from Turnball etc...

Dear.....

Our Client HFO Capital Limited ("HFO Ireland")

Original Lender B Card

Account number

 

We Act for HFO Capital Limited, a debt factoring Company incorporated under the laws of Ireland with co number 446327 ("HFO Ireland") who has been assigned your debt from HFO Capital Limited a group company incorporated in the Cayman Islands with company number MC-13977 ("HFO Cayman") HFO Cayman originally acquirred your account from Barclacard ("theorigional Lender"). For the avoidance of doubt, this letter constitutes further notice of assignment,

 

This letter is sent in an attempt to avoid the need to issue legal proceedings against you. It requires your immediate attention. If you do not respond witthin 21 days of the date of this letter, legal action will be taken against you without futher warning. Your liabillty for costs may increase.

 

Our Clients Claim

 

Blah Blah Blah

 

Faliure to respond

 

8% above bank interest rate

 

Your reply

 

Attached are details of Account Transfer tp HFO Limited

 

Orginal lend B Card

First Assignee HFO Capiotal (HFO Cayman)

Current HFO Capital Limited (HFO Ireland)

Account Number.........

Case Number.......

Date of Assignment from orginal Lender to HFO Cayman ??/08/2007

Date of Assignment from HFO Cayman to Ireland ??/01/2008

 

If you need more info i will type all in

 

Ive had no response to my CCA?

what does futher notice of assignment can they reasign when in dispute?

 

Any help appreciated

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Bloody idiots!! I cannot believe that they are being so stupid.

 

Immediate letter to TR, I made a request under CCA section 78 on (date) as no response, account in dispute letter sent (date) This account is therefore in dispute. (Attach your previous correspondence) Any court action will therefore be rigorously defended

 

add ''please note that your letter (date) and my response has been forwarded to OFT' and please send it to them

 

 

OFT http://www.oft.gov.uk/ mark complaint for the attention of James Waldron

At your Service

 

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qwerty, have you sent that letter as CD advised?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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  • 2 months later...
qwerty, have you sent that letter as CD advised?

 

Qwerty, have you perished in the Wimbledon quagmire? Anything to tell us? Please give us an update.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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