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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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HFC revolving credit agreement


janis6670
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  • 1 year later...
  • Replies 55
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nothing

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

So, some good news.

 

A few weeks ago, I let FOS know about some financial difficulties I was having.

 

They agreed to bump me up their waiting list and upheld my complaint against HFC.

 

Got the letter today confirming that I will receive an offer,

so just need to wait the prescribed 8 weeks to hear the final outcome.

 

Thanks for all the support received on here especially IMS and DX

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good news then

lets hope HFC dont try their usual trick

of trying to pull a fast one on the calcs

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 month later...

Well as expected its not good news.

 

I have received an offer today from HSBC on behalf of HFC.

 

They want to pay me around £800 but intend deducting from a sum outstanding.

Around£10k.

 

I was under the impression that this debt had been sold on to Robinson Way

and the amount RW have been asking for over the last few years is around £6k.

 

If Hsbc no longer own this debt can they do this?

 

Help!!! (once again)

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right so RW own it

 

its been sold

 

HFC cannot offset.

 

did you ever SAR HFC and get all the statements?

 

my thinking is there is prob a 6yrs gap somewhere in your payments anyhow.

 

so the debt was SB even before you paid RW.?

 

how much is the PPI offer for?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you need to answer the other questions I posted

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Sorry Dx,

Yes RW owned it for a long time, I think.

 

As I understand it, Hoist have taken over RW. Is that correct?

 

I have not sent a SAR off but I did at one point do a CCA. and have that original agreement

 

I don't honestly know about the 6year period for SB.

 

I do know that my last payment to RW was in Sept 2010

 

Is there anything else you need?

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I think you really should be sar'ing HFC and get all the statements.

 

yes RW are hoist.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You no longer own the alleged debt and have no right to withhold monies in respect of it. If XXXX wish to pursue me for any amount they allege I owe them, that is their prerogative.

 

The authority for my views is the case of Edlington Properties v. Fenner & Co. Ltd [2005] EWHC 2158 (QB) which affirms this position, that the assignor has no right of set-off to a third party (assignee) for a damages claim brought against it post-assignment, as any equitable set-off in this regard is personal in nature and the debt sold is not transferred subject to it.

 

Further information on the right of setoff can be found on the Financial Ombudsman’s site which clarifies in layman’s terms the rights of banks to take the action you indicated in your settlement letter. Banking: firms' right of 'set off'.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

sar is 40days

 

they know what you are now upto so they prob wont reply further yet.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

the adjudicator at FOS tells me that HFC are sticking to their guns by saying that they are entitled to offset this payment

because there is an outstanding amount.

 

This is despite the fact that they no longer own the debt and have even acknowledged that.

 

It is being passed back to an Ombudsman for further information. Help!!!!

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  • 4 weeks later...

This dispute has now gone back to an adjudicator at FOS.

 

I have been asked to provide evidence of the debt owner and my financial hardship.

 

I am happy to do this but how can HFC even think about disputing who owns it when it was so clearly sold on many years ago

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