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    • Hello,

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO Litigation Letters & monument debt


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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.

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

 

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

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

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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.

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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!

 

 

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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

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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....

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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

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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.

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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.

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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.

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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

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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.

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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.

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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.

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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

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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!

 

 

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