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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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StreetFighter

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

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Oh yes, was directed across by Db and Cole

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One Mr. Turnbull of Turnbull Rutherford boss of HFO,

and less intelligent than the pumpkin.

Brig


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first piccy is alice when the makeup is washed of the second piccy is alice when the makeup is starting to melt in the hot sun the third piccy is alice dressed up for haloween the fourth piccy is darned if i know that one


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I wonder if he looks at this at all ???


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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http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I hope JT reads that link.

 

Wonder if he knows it's only little Bears that get honey in their porridge :-)

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:-) all joking aside, is there anymore development into the MTR?

 

The OFT have written to me asking permission to use my complaint and informing me that I may be required to give evidence.

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One Mr. Turnbull of Turnbull Rutherford boss of HFO,

and less intelligent than the pumpkin.

Brig

 

 

Ah ha. So now I know who is ignoring all the letters I send back to TR telling them that the ex no longer lives here. I think you are right Brig., he must be less intelligent than the pumpkin and probably has worse literacy skills as he is unable to read the messages I write on the letters I return. If he could read, then he would stop bl**dy well writing to my address!!

 

I recently returned a letter to the Northampton bulk place the other day, telling them that I had notified HFO on numerous occassions that the ex no longer lives here and that all letters from HFO had been returned accordingly. I wonder if anyone at Northampton will bother to take any notice of my comments and stop HFO getting yet another CCJ by default. Probably not!

 

By the way, I'm pretty sure I was at school with the bloke in the second photo. The red hat looks very like the ones we had to wear :oops: The first pic looks like me after a heavy weekend and the last pic looks scarely like the ex. Gulp!

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Bingosick.jpg

 

 

So, Godblessme, which one of these are you?


“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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Debt collection agency HFO (UK) Holdings is being liquidated, with Asher Miller of David Rubin and Partners appointed to handle the process.

A notice was filed on Monday for creditors of the firm to stake claims for debts owed to them by the firm by 7 March 2012.

 

Miller was appointed by the company and it’s creditors on 6 February to handle the liquidation process following a creditor’s meeting on 26 January.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?338235-HFO-(UK)-gone-t**s-up-)-Credit-Today...

 

I am sure there will be many who will want to send letters of condolence ??


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I shall ask a mod to start a new thread for you.

 

I would suggest an immediate call to the OFT about their behaviour – ask for Polly Ashford. She will be pleased to hear from you.


“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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Hi

 

OFT http://www.oft.gov.uk/contactus for the attention of Polly Ashford


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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Bart, you’re getting boring.

 

 

 

 

 

 

 

..–. ..– –.–. –.– ––– ..–. ..–.


“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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Bringing up this thread, it is now a year since the OFT were minded to refuse/revoke HFO Services, HFO Capital and Roxburghes licences, HFO Services have not had a valid licence since September 2009, come on OFT time to pull the plug on these cowboys.

Edited by broken arrow

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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Is it me or have they the cowboys gone very quiet? I havent heard from them since September!

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Update, Roxburghe,s licence expired on the 25th of February and they have now applied for a new one which is pending, OFT still minded to revoke.


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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http://www.consumeractiongroup.co.uk/forum/showthread.php?338235-HFO-(UK)-gone-t**s-up-)-Credit-Today...

 

I am sure there will be many who will want to send letters of condolence ??

 

Just read the "Refuse to Renew"........ How bloomin marvelous, however Im just wondering if foul play is going on as Roxburghe used to send their threatograms on Red letter headed paper under the name Roxburghe Uk Ltd signed s.dargonne. All of a sudden its just "Roxburghe" in blue... no Mr Dargonne.. Anyone have any thoughts of this... Ive also seen sobell sending letters from the SW19 postcode of Turnbull fame ?????

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http://www.credittoday.co.uk/article/16628/online-news/three-debt-firms-deemed-unfit-lose-credit-licences

 

 

The Office of Fair Trading (OFT) has refused to renew the consumer credit licences of three debt businesses, including Roxburghe.

 

Debt purchaser HFO Capital and two associated debt collection agencies, HFO Services Limited and Roxburghe (UK) Limited, have been declared “unfit” by the OFT and will not have their licences renewed.

 

Edited by citizenB

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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Yay!


“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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Brilliant news!:lol:


At your Service

 

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Please support CAG and they will support you.

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“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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Here’s a story from last week – Rox obviously bleated before the official OFT announcement.

 

Do I here whinging from Roxburgh? It’s not fair? Tell that to the victims...

 

 

http://www.ccrmagazine.com/index.php?option=com_content&task=view&id=10685&Itemid=33


“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 seems Roxburgh’s troubles all began when they got into bed with the investment of Badri Nathan, with his footsoldier Turnbull. It’s all gone rather t*ts up since then.


“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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