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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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StreetFighter

HFO Capital/Services/Roxburghe - OFT Minded to Revoke Licences!

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Not sure if this has been posted already but I can't find anything on the search function.

 

If anyone was wondering why there seems to have been a sudden burst of activity from big Al and his cronies then they may like to take a look at the last three entries on this document and draw their own conclusions.

 

http://www.oft.gov.uk/shared_oft/consumer-credit/enforcement-activity/CEA-MTR.pdf

 

 

:smile::smile:

:boxing:

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We have won. My job is done. Bye bye Turnbull.

 

Thanks Streetfighter.

Edited by MARTIN3030

“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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It's revoke, not refuse a licence, ie. revoking current licences too.

 

This is truly wonderful.

 

Let's rename this thread 'HFO and Roxburghe licences revoked' - and get the champagne out!


“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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It relates to the new application


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin, it says revoke, not refuse. HFO Capital and Rox do not have applications in.

 

This is astonishing. And about time.


“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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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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These were added on Roxy's licence last year too.

 

PCN Parking ServicesAdded http://www.paymypcn.netAdded


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin, it says revoke, not refuse. HFO Capital and Rox do not have applications in.

 

This is astonishing. And about time.

 

 

Its not cut and dried tho yet.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I can't find licences or much activity for any of the other companies on that list. That is three big and nasty companies in deep poo... thanks to CAG.

 

There's a right of appeal, but this development will just encourage more evidence. I'll make sure of that...


“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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Minded to refuse/revoke a licence

 

Where there are substantiated doubts about a trader's fitness, the OFT issues a 'Minded to Refuse' or 'Minded to Revoke' Notice (MTR). This is a formal notice advising the applicant or licensee that the OFT is minded to refuse to grant them a licence or is minded to revoke their existing licence and inviting them to make representations to an independent OFT adjudicator who will make a decision on the case (see below). The trader retains their licence until the adjudication process and any subsequent appeal is concluded.

 

 

Determination of minded to refuse/revoke a licence

 

Following the issue of an MTR, an independent OFT adjudicator considers representations from the applicant or licensee and then makes a decision whether to refuse or revoke. The Adjudicator gives regard to all information presented and where it is considered that the matters raised in the MTR are relevant to the applicant's or licensees fitness and the Adjudicator is not satisfied with their fitness to hold a licence, they will issue an adverse Determination to Revoke or Refuse (DTR). Alternatively, if the Adjudicator is satisfied with their fitness, a favourable determination can be issued. The trader has a right of appeal to the First Tier Tribunal if they disagree with a determination (see below). The trader retains their licence until the adjudication process and any subsequent appeal is concluded.

 

 

Appeal to First Tier Tribunal

 

Decisions by the OFT, such as determinations to revoke or refuse a licence, or to impose requirements on a trader in terms which the trader has not already agreed, can be appealed to the First Tier Tribunal. For licensing decisions, the trader retains their licence until any is concluded. In requirements cases, the requirements apply immediately.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is the one we want to see

 

Determination to Revoke or Refuse


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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A prediction...

 

The rise of a company called Validor Capital. HFO have seen this coming.

 

Phoenix would be a better name, but that's been taken. But... how could HFO Capital sell choses that it possibly acquired illegally anyway, while trading without a licence?

 

What happens to previous court cases and current claims if licences are revoked?


“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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Thanks Martin, saved me searching.

 

But this is still good... The system gives them time to restructure, sadly, but as mentioned, they have severe hurdles to overcome. Not that I hate them or anything, you understand...


“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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The court cases could still proceed as long as the company still existed.

If they changed their name or were taken over,then they would still be liable me thinks-like for example Barclaycard with Goldfish.Citi with egg Virgin media with Telewest etc etc


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Their CC licence event history does not give much-looks like this action has come either following an investigation,or by the levels of complaints theyve seen.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Indeed, the claims do not go away and must be defended - excellent and important point. But the majority of the portfolio - HFO Capital - was acquired without a valid CCL, so they have a bit of a problem. Think Mr A Turnbull might be at the Jobcentre soon. It was a rather basic error, as was fabricating the odd document.


“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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Level of complaints - I reckon 80% via the power of CAG.


“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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Turnbull is the only one listed on the HFO SERVICES LTD licence as running the org.

He is also listed on ROX.So if theres a determination made based on fitness then it would follow that all 3 would go.

 

EvtStageOpen DateNotes 6Minded To Refuse MTR20/05/2011This notice relates to the recent renewal application

 

 

http://www2.crw.gov.uk/pr/default.aspx


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Yeah the questions in relation to their legality in the portfolio purchase is a good one.

They have manipulated the licences by chopping and changing officers,addresses and lead details...or more to the point have been see sawing them between the companies.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The lead for the HFOS licence reads

Business NameCompany Registration Number HFO Services Limited05120067

 

Yet if you look further down it says;

 

 

Current Individuals that run the organisation:

 

NamePosition Alasdair John Turnbull

 

 

 

But then we have this

 

 

Current Organisations that run the organisation:

 

NameCompany Registration NumberPosition Turnbull Rutherford Limited5717402


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Also a director of HFO Capital Ireland. I have chapter and verse on these jokers. What a mess for one bloke. You might think it's incompetence, but I couldn't possibly comment. I think Badri Nathan might be a bit miffed. He only now lists Validor on his CV.

 

The listings are all to revoke; HFO Services' licence app has been pending since September 2009, so I suppose that will technically be a refusal! The other companies' licences are very much current. Tells you everything.

 

Certain Caggers have known for some while of the OFT's serious interest in their activities. I believe my CAG privileges remain restricted because I had to conduct some very sensitive court issues re HFO documents off-forum (to prevent comeback against CAG), but I now believe my actions have been proven as justified. I just hope the OFT see this through - it takes tons of crud to provoke them into action, so I'm delighted.

 

Take heed, DCA- and debt buyer-land. CAG has sharp teeth.


“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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What privs remain restricted ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok DB I just looked and saw it.

I have now enabled it-I think you may need it to heighten the awareness and continue whatever is needed.

Just please be good-and dont let me down.:wink:

 

Now time for sleep I think.

I have a Court appearance tomorrow supporting a fellow Cagger against another adversary CAPQUEST.

 

So g'nite.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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