Jump to content


  • Tweets

  • Posts

    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
  • 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
  • Recommended Topics

HFO Litigation Letters & monument debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4229 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

HFO keep sending me Litigation letters, Notice of litigation, Schedule of litigation etc.

 

They also send paperwork on attachment of earnings and charging orders, 3rd party debt orders.

After a good read these seem to apply to someone that has had a judgement and failed to pay it?

 

One also listed charges and fees for applying to take someone to court. I read it and thought these are fee THEY would have to pay and hope to get the money back if taken to court.

 

I am on IB and this is topped up with income support. What is the worst that can happen if they did take me to court? I have debts with other companies also so i presume any payment must also be shared between those?

 

Hard to see how they can take money i do not have. Freeze my bank account? I only put my bill money in that account to pay the direct debits for the utility bills.

 

Amount on each letter seems to be going up as well. £12 extra each time.

More scare tactics.

 

Advice please.

 

Thanks.

Link to post
Share on other sites

  • Replies 125
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

This is pre-litigation, site team – can you move to the Debt Collection forum? Ta.

 

Thread moved.

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

Link to post
Share on other sites

Standard behaviour from HFO – just look through all the other HFO threads in the Debt Collection Industry forum. But these letters are usually the precursor to a court claim, so a CCA request right now would be a good move.

 

Do you recognise the debt?

 

Can you give us more details? HFO have been sitting on a portfolio of debts for four years, so depending on your circumstances, this may be SB.

 

Tell us all you can about the history of the account then we’ll advise further.

Link to post
Share on other sites

Complaints are a given where this circus outfit is concerned!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Who is the OC and how old is this? Have you received a notice of assignment from HFO or OC? Are HFO ringing you? If so never speak to them on the phone, ever, unless you can record it.

 

Send a CCA request, presume you know where the template is.

 

Complaints about the letters etc should be made to Consumer Direct and OFT

 

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

 

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

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Interesting, when challenged the OP seems to vanish.....

 

If you are on benefits then there is a token £1 they will get, even if it goes to court - so the Wimbledon wonderco are onto a looser....

Link to post
Share on other sites

Some very strange people on here... Seems I am being judged to be a timewaster or worse??? WHY?

 

sillygirl1. Please explain how I have vanished? Posted this just before midnight. Seems i posted in the wrong section and

my thread has been moved this morning. 16 hours later your accusing me of not returning?

 

How am I being challenged? What is a bart alert?

 

I thought I could get help with my genuine questions.

 

Answer to some of the posters who actually want to help, Thank you to those people.

 

Yes I did receive a notice of assignment a month or 2 back. Original debt was monument.

Not statute barred. Last payment Dec 2006/Jan2007.

 

Been out of work on health grounds since that date, I was on sick pay & contacted the CC companies

and went round and round in circles. Them asking for payment in excess of my sick pay me saying i could

not afford thet amount. In the end i stopped trying to talk to them and shredded all their letters.

 

Yes they still try to phone me, Never spoken to HFO ever. Phone or letter. Unavaliable, Witheld and actual

traceable numbers still call but i never pickup.

 

If i knew about this site back then things may have been different.

 

On the other debt board they said I should ask for the CCA but I am still shying away from contacting them.

I can see no reason why they would not have the CCA but I have read many many posts were they have failed to

provide one. But can they still contact you after failing to supply one?

 

I think bankruptcy would be my best option but i cannot afford to do that. 19 months to statute barred?

 

Thanks

Link to post
Share on other sites

Sorry, this company has a bit of a history of 'troll' activity, particularly late Thursday night/early hours of Friday.

 

CCAing them is a bit of a red herring (IMHO), it won't stop them contacting you and will probably help increase the threat level activity. I will let others add their comments on this thread, we have the HFO fan club on board so that is a great help to you.

Link to post
Share on other sites

Doing the CCA is worthwhile, as if they do not respond you can put the account into dispute.Monument I think is part of Barclaycard, so worthwhile doing a SAR to Barclaycard.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

But he did get it, we in the HFO fan club play by the rules, knowing HFO it is probally defective anyhow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

OK looked through the recent stuff which has avoided the fate of the shredder. I have received a reminder notice of assignment letter.

I cannot find any original letter stating notice of assignment. Sold to HFO by monument and now being managed by HFO subject to their

standard terms & conditions 12% interest.

 

Waffle about they will devote all of their commercial and legal resources to collect this debt. Extremely important that i

contact them immediately.

 

As one poster mentioned i am worried that contacting them for a CCA may make the contact with them more frequent.

 

Chronology of the letters, Oh dear. I have a fair few debts and get letters from HFO, Mackenzie Hall and several others.

I just check the letters are not from courts and put them into one pile.

If its really important i probably could but it would take some time to go through them all and find out which company are

chasing which debts.

 

So far since the initial contact with the credit card companies where they asked for money i did not have i have never ever spoken

to any of them or the debt collectors by phone or letter.

 

Had text messages sent to my landline, missed parcel cards delivered with a stamp. Which i thought was dodgy as i was not waiting for

anything. Hundreds of phone calls. Luckily BT added caller ID for free on its weekend package so i can see who is calling & ingore it.

 

Bit of a pain when the hospital ring using an 08 number.. But at least they leave a message.

The debt collectors must have known how many rings they can get before the answer machine kicked in. So i had a cat and mouse game and

set it to answer after 1 or 2 rings.

 

Thanks

Link to post
Share on other sites

For it to be valid in court the NoA must be sent registered post, so if it wasn't that is a valid reason for it to be set aside as they are not the OC. Unless that is he says he has received it in which case he has.

 

I think I did not make it clear in my previous post I meant the NoA not the CCA.

Link to post
Share on other sites

For it to be valid in court the NoA must be sent registered post, so if it wasn't that is a valid reason for it to be set aside as they are not the OC. Unless that is he says he has received it in which case he has.

 

I think I did not make it clear in my previous post I meant the NoA not the CCA.

 

Firstly there is nothing to set aside.if you admit to receiving a NoA, it does not matter if it was not sent recorded post and compliant with s196 of the act, you have admitted to receiving said notice, you must never lie in court, let others do that, instead use their defective NoA againsts them.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Don,t forget a notice of assignment does not prove legal assignment, it is just notice, I would always advocate getting the other side to produce the actual Deed and lets see if that complies with LoP act and the companies act, cos HFO,s don,t..........

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Hi again

 

Right, the problem with this is you are being harassed by HFO who probably have less right to your money than I have. The quickest way to get rid of them is a CCA request, you can add 'I acknowledge no debt to your company, this letter is in response to your continued harassment and I require you to prove that I owe this debt'. Also send the telephone harassment letter. If they do not respond within 12 plus 2 working days send the account in dispute letter. This normally shuts them up and they cannot take legal action while there is an outstanding CCA request.

 

Monument cards are now operated by Barclaycard so ring them and try and get some info on this. Ask who they sold it to and when. A SAR may be a good idea also

Please support CAG and they will support you.

donate

Link to post
Share on other sites

I would always advocate getting the other side to produce the actual Deed

 

Deed of assignments are usually related to property and can only be requested by a Court.

A NOA, will usually be sent in the same envelope, one purporting to be from the OC saying they have handed the account to "Carry on up the Khyber" and the other one from "Carry on up the Khyber" saying they have been instructed by the OC to harass, threaten and intimidate you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...