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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
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StreetFighter

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

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Oh I intend to :madgrin:


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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How long ago was this?

Do you still have the claim form?

 

Claim was 2009 and no I do not have the claim form, is there a way of getting a copy?

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Claim was 2009 and no I do not have the claim form, is there a way of getting a copy?

 

Your local court will have a copy


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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Well that's music to my ears.

 

However, I have an update for you on my experience with these cowboys.

 

Having contacted FCA back in March I received an email from Efe who I believe is investigating Turnbull Rutherford & HFO Capital in respect to their credit license. Well, during a lengthy telephone conversation she asked if I would be happy to send her documentation to her regarding my 10 year relationship with them. Naturally, I said yes and within the hour I emailed her plenty to fuel the fire for her case.

 

If anyone else has any dealing with these cowboys it is important to report it to her at the email address: efe.avan-nomayo@fca.org.uk

We need to get these idiots off the radar so they cannot rip anybody else off.


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Have Turnbull really given up on consumer credit litigation? I had several letters from them to my new address, attempting to contact my ex. They eventually accepted that he does not live at my address and have even put it in writing that they accept this. I assume they returned all paperwork to HFO (who have now used another debt collector who is trying to contact my ex at my new address!), but Turnbull were certainly still trying to make contact with my ex about 3 months ago regarding his debts.

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Well that's music to my ears.

 

However, I have an update for you on my experience with these cowboys.

 

Having contacted FCA back in March I received an email from Efe who I believe is investigating Turnbull Rutherford & HFO Capital in respect to their credit license. Well, during a lengthy telephone conversation she asked if I would be happy to send her documentation to her regarding my 10 year relationship with them. Naturally, I said yes and within the hour I emailed her plenty to fuel the fire for her case.

 

If anyone else has any dealing with these cowboys it is important to report it to her at the email address: efe.avan-nomayo@fca.org.uk

We need to get these idiots off the radar so they cannot rip anybody else off.

 

Did you get back your overpayment?


“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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Crikey. These people still at it? :razz:

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Their site appears to be down. Have they shut up shop? Hope so!

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The www.hfoservices.com site seems to direct to an odd generic looking page at http://int.haascnc.com/lang.asp?intLanguageCode=1033 while the http://www.hfocapital.com site goes to some kind of default holding page at http://www.hfocapital.com/cgi-sys/defaultwebpage.cgi and when I tried manually to go back to the main domain it reverted to the default holding page. This suggests what is known as a 301 redirect which is what happens when a website, or any part of it, is permanently moved to a different location or goes offline (as opposed to a 302 redirect, which is only a temporary redirect).

 

The HFO Capital 0845 phone number, after ringing for a long time, diverts to our old chums Roxburghe UK Ltd. The HFO Capital phone number is not answered at all but redirects to a BT message which repeats over and over.

 

Strangely enough I got a phone call from HFO Capital last week. I told them, as usual, that I would not talk to them on the phone (I have told them several times not to phone me but they still did) and they would have to write to me.

 

But no letter has come. It seems that phone call was their last chance saloon for trying it on one more time.

 

Now we will have to wait and see if HFO Capital and HFO Services pass all their accounts over to Roxburghe, although this would be a particularly cynical move as my HFO Services account was only transferred to HFO Capital earlier this year! I don't think the FCA would take a good view of that.

 

My original CCJ was obtained by deception by Turnbull Rutherford and HFO Services (I have documents to prove this conclusively) so it may be that they have just given up on my case owing to its unusually illegal circumstances (even for them). Or it may indeed be that they have just decided that they've been found out....

 

Whatever the circumstances, I will need to have this CCJ wiped from my credit rating. I expect HFO to do this as soon as possible, and so my next task is to get this to happen. HFO will know that there are financial penalties for failing to remove incorrect data from credit profiles (I think it's £100 after 30 days of notice). But without knowing how to contact HFO I'm not sure how I'm going to get the credit record straight.

 

I'll probably need to chase up the individual directors by calling at their home addresses.

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The www.hfoservices.com site seems to direct to an odd generic looking page at http://int.haascnc.com/lang.asp?intLanguageCode=1033 while the http://www.hfocapital.com site goes to some kind of default holding page at http://www.hfocapital.com/cgi-sys/defaultwebpage.cgi and when I tried manually to go back to the main domain it reverted to the default holding page. This suggests what is known as a 301 redirect which is what happens when a website, or any part of it, is permanently moved to a different location or goes offline (as opposed to a 302 redirect, which is only a temporary redirect).

 

The HFO Capital 0845 phone number, after ringing for a long time, diverts to our old chums Roxburghe UK Ltd. The HFO Capital phone number is not answered at all but redirects to a BT message which repeats over and over.

 

Strangely enough I got a phone call from HFO Capital last week. I told them, as usual, that I would not talk to them on the phone (I have told them several times not to phone me but they still did) and they would have to write to me.

 

But no letter has come. It seems that phone call was their last chance saloon for trying it on one more time.

 

Now we will have to wait and see if HFO Capital and HFO Services pass all their accounts over to Roxburghe, although this would be a particularly cynical move as my HFO Services account was only transferred to HFO Capital earlier this year! I don't think the FCA would take a good view of that.

 

My original CCJ was obtained by deception by Turnbull Rutherford and HFO Services (I have documents to prove this conclusively) so it may be that they have just given up on my case owing to its unusually illegal circumstances (even for them). Or it may indeed be that they have just decided that they've been found out....

 

Whatever the circumstances, I will need to have this CCJ wiped from my credit rating. I expect HFO to do this as soon as possible, and so my next task is to get this to happen. HFO will know that there are financial penalties for failing to remove incorrect data from credit profiles (I think it's £100 after 30 days of notice). But without knowing how to contact HFO I'm not sure how I'm going to get the credit record straight.

 

I'll probably need to chase up the individual directors by calling at their home addresses.

 

Call a lady 'Efe' at FCA she will be very interested in your case. She is dealing with the appeal case and will help you so long as you can provide evidence.

If you need further information let me know and I will give you a contact number for her.


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Thanks for that Shelley. I've been in contact with Efe at the Enforcement & Financial Crime Division of the FCA for some time now, and she is well on the case. I have also provided her with court papers and all necessary documentation to prove that the CCJ was obtained by fraud and deception.

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I think they’re still appealing the OFT decisions to revoke licences.

 

This page only shows FCA history – the history is with the OFT!


“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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I think they’re still appealing the OFT decisions to revoke licences.

 

This page only shows FCA history – the history is with the OFT!

 

 

 

Well they are still at it got a letter from them(HFO Capital) this morning demanding payment!! 1st letter this year though

 

 

I thought this would be all over now having had 12 years of hell from this bunch!!.

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The case is in the hands of the FCA and is going to appeal. I have been asked to give evidence against them at the hearing.

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HFO CAPITAL LIMITED

REGISTERED ADDRESS: 22 BRIDGE STREET, RINGSEND, DUBLIN 4

HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989.

REGISTRATION NUMBER: 446327

VAT REGISTRATION NUMBER: IE9673073N

 

The above is from HFO Capital Limited Web Site

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That Registration Number comes up as Bhramavira Capital Partners LLP and ran out 29/02/2008.

 

Something is going on here?

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I have visited my archives of records and dug out the Turnbull Rutherford file for this historical debt.

 

This is how the debt unravelled;

Mercers chased missing pyts Sept 2004

Acct passed to Credit Solutions Jan 2005 - the usual formal demand, discount letters etc

Wescots involved and paid 3 X £8.00 whilst I sorted out personal issues

Acc t ret'd to B/C Nov 2005

Lots of calls from a call centre in India and threats - all notes taken still in my possession

Judgment for claimant Apr 2008 £xxx.xx

Legal advice taken and requ judgment set-aside Sept 2008 - dismissed

Variation Order made Oct 2008 £xxx.xx

Instalments agreed min amount monthly

Letter to T/R requesting breakdown of pyts received and balance o/s Oct 2011

Continued with monthly s/o until summer 2013

However, it appears I have OVER PAID by £23.07 - What on earth was I thinking about????

 

Now whilst going through my file I have identified their original Claim form particulars and it reads as follows;

 

"On satisfaction of the claim and costs and interest there will be an unpaid balance of ------------(left blank) to be paid by the defendant which is accruing interest at the rate of 12% P.A

 

Therefore, as their claim did not state a further balance amount - there is nothing outstanding on this account ( IS THERE?) - infact, quite the opposite - they owe me £23.07 plus interest.

 

Would I be opeing a can of worms to claim it back?

 

For those of you who may want to research HFO Service Limited a little further you might find this link useful; http://www.gbrdirect.eu/AvailableProducts.aspx?code=446327&regAuthor=IECROCR

 

Surprise, surprise. Today I have received a letter from 'assest LINK capital' who apparently have bought the debt from HFO Services Limited. :)

 

I have to laugh, because HFO obviously want as much money as they could scrounge together but they won't be getting a penny out of me.

I wrote to FCA with all the relevant evidence that I had complied with the original court order and haven't heard anything from them since.

I'm not sure what to do about these new asset idiots, whether to write and tell them to clear orft or ignore it?

 

Thought please.........


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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You are the third thread today - I am feeling a bit miffed at not getting one! I would ignore it for the minute and let us see what stunt they pull next!

 

Other treads are

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?189053-HFO-Services-and-Windywoo.&p=4661555#post4661555

 

and

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?434883-HFO-chasing-old-welcome-car-CCJ-almost-paid-off-they-say-no-its-not&p=4661544#post4661544

 

I can only think that these chancers are looking for a Christmas Bonus


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Please Double click the Star and leave a message if I have helped you

 

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Check your credit file to see what is being reported, if anything.


“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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How can one check their credit file if they do not have a bank account? Is there a company that will do a postal version?


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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You have a statutory entitlement to a report by sending CRA postal request along with £2 fee.

 

But why on earth - and how - do you live with no bank account? Anyone can get a basic one. Here are some details and a list of most providers :

 

http://www.money.co.uk/current-accounts/basic-bank-accounts.htm

 

As for Link, I wouldn't be contacting them unless I absolutely had to: they are - how shall we put it - not pleasant.

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I, for one, would love to live with no bank account. The whole industry from retail banking to investment banking is corrupt and merely fuels a capitalist system that is slowly evolving back to a feudal society.

 

Intend

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You have a statutory entitlement to a report by sending CRA postal request along with £2 fee.

 

But why on earth - and how - do you live with no bank account? Anyone can get a basic one. Here are some details and a list of most providers :

 

http://www.money.co.uk/current-accounts/basic-bank-accounts.htm

 

As for Link, I wouldn't be contacting them unless I absolutely had to: they are - how shall we put it - not pleasant.

 

It's a family member who does not have a bank account and anything they require goes through mine so they're fine. A basic account is not needed but I do need to check their credit file to ensure it is in order, hence the question how they'll check them out if they don't have a bank account as clarification of their details. How do we apply for a paper request, is there a form?


Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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