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    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  I refuse to be held accountable in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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HFO Again!


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Hi - I've been reading threads from this site to help us in relation to HFO. They have been contacting us for a debt from Welcome finance. I have made a complaint about them already to OFT and I have sent a SAR to Welcome. There is nothing on our credit report from experian about this debt at all - HFO sent through an ecredit credit report with a default listed in 2006 but I think experian are the better credit report? We have not received the stuff back from Welcome yet but on the phone they said the last payment date was March 2004 (HFO say March 2005) Welcome said they sold it to Roxborough in May 2006. Either way this would make the debt statute barred. Hfo said they contacted us in 2006 and we agreed to pay but didn't pay anything (a solicitor we spoke to said this doesn't matter as it has to be in writing). They have now sent through their next letter 'schedule of litigation' - should we now send the statute barred letter or wait to receive all the information from Welcome? Or wait for them to actually take us to court? HFO have sent through a credit agreement but this still doesn't show what was paid off etc. They have refused to send a statement of the account or deed of assignment. They said they sent notice of assignment in 2006 and will now only produce anything in court but we don't have any of the paperwork from 2006.

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Hello and Welcome,

 

I've moved this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi

 

Do you know exactly when the last payment was made on this? A debt is SB 6 years after the last 'cause of action' i.e. missed payment (generally one month after last payment) or written acknowledgement of actually owing this (5 years if you reside in Scotland).. HFO will tell you this is affected by them contacting you, which is rubbish - they will try and tell you anything. If you are certain of your dates and facts, send the SB letter and report any further contact to Consumer Direct and OFT. In fact report them anyway as they are obviously harassing you.

 

It may be worth ringing Welcome to get more information if they have not responded fully to your SAR. get everything they say in writing or record the call.

 

Have you challenged the credit agreement? If you are not certain about SB, it is worth doing this and you can post it up for others to look at. Also, there are issues about the ownership of these accounts by HFO and their insistence on claiming interest.

 

Trading Standards via http://www.consumerdirect.gov.uk/contact

 

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

 

AND NEVER speak to HFO on the phone unless you can record it - say 'in writing only' and hang up

Please support CAG and they will support you.

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Thanks for the advice - I'm going to double check with Welcome the last payment date. Welcome finance never seemed to chase for this debt - which is strange as they can be quite an aggressive company aswell. I have already complained to the OFT but will complain to consumer direct too (anything to annoy HFO). Welcome have acknowledged they have received the SAR request so we are just waiting to hear back from them. HFO add charges on to their letters all the time and the amount they say we owe is far more than we ever borrowed (a few thousand more!!!!). I find HFO a ridiculous company but just want to ensure we don't have to end up paying them.

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Right, well Welcome Finance say definitely 2004 so HFO lied about the date as well. I'm going to send the statute barred letter and see what happens. Also have issues with Welcome finance so am looking forward to receiving the info from them. Thanks for the replies. Any other advice is gratefully received - this website has proved very useful - thank-you.

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Welcome say they sold it to Roxburghe in May 2006 HFO said they were assigned the debt in October 2006 - does this make a difference to HFO's claim? Are companies allowed to sell the debt on again? I can ask Welcome to write and confirm this.

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HFO and Roxburge are different companies, then you have HFO Capital Cayman, HFO Capital Dublin and then HFO Services all legally separate companies.

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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HFO and Roxburge are different companies, then you have HFO Capital Cayman, HFO Capital Dublin and then HFO Services all legally separate companies.

All part of the same group (Concillian) but legally separate companies.

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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Actually the people who contact us are HFO services (didn't realise they were different to HFO) so is it ok for Roxburghe to sell the debt on to HFO services?

Yes its OK, if they inform you of any further assignment, but I doubt they have sold it on, HFO Services do all the chasing.

Try and get Welcome to confirm in writing it was sold to Roxburghe.

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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HFO Capital Ireland has just filed a change of registered address. Let's see if they remember to tell people or if the old address keeps popping up.

 

Registered Address:

22 BRIDGE STREET

RINGSEND

DUBLIN 4

 

And Ringsend will be quivering when the OFT gets hold of Mr Bingo and his chums...

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Welcome now won't talk to us about who they sold it to as they say it is no longer with them so will just have to wait for the info to come from the SAR. However might try and ring again later as some of the people at Welcome are more helpful than others it depends who answers the phone. Looked back at the HFO letters and they quite clearly state they were sold the debt in October - however I am a bit suspicious that they won't send us another copy of the notice of assignment (they say the sent one in 2006). Shall I still send the SB letter?

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Ok - got some bits through from Welcome from the SARs request - they sent us a copy of two loan agreements which had been paid. They did not send a copy of the loan that HFO are chasing us for (HFO do have a copy of this and have sent it to us). They also sent a computer print out of times when they had been round - what has been said on the phone etc. This does confirm last payment was in 2004. They said in their letter they will send a full statement of the accounts shortly. They have not sent any information regarding the debt being sold or who to. They do have this information as someone spoke to us on the phone about it the other day. With a SAR aren't they supposed to send all the information they have about you?

 

Anyway I am happy about the last payment date - does it matter at all that HFO contacted us in 2006 and also that we didn't tell them when we moved?

 

There are still lots of things I don't understand about this loan they say we owe - some of it doesn't add up and I need to look at what they sent us more closely tonight.

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Just an update on the lovely HFO - sent the statute barred letter which according to royal mail they received today. They rang about an hour ago saying they were ringing about a legal matter and they were putting a charging order on my property (didn't say they were ringing from HFO or any security questions just said hello). I replied ok and hung up. What is the deal with them ringing after receiving a statute barred letter? Are they stupid enough to continue court action after a statue barred letter? Has there been cases of HFO doing that?

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