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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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HFC revolving credit agreement


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I had one of these loans with HFC way back in 1998.

 

Initially it was fine and then i fell into difficulties.

 

I moved house late 99 and thought naively that I wouldnt be traced.

however HFC contacted me by phone (unlisted number!!) and I started payments again.

 

Long story but eventually I was transferred to Robinson Way and I have agreed several plans with them.

 

last year I got fed up and asked Robinson Way for the original credit agreement etc.

 

No response until yesterday when they sent me some ridiculous staements from 1999

showing payments and interest applied and also PPI.

 

No agreement and as far as I can see no evidence supporting their demands.

Any suggestions about how to proceed?

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Hi

 

Knowing HFC there are probably loads of late fees etc you can claim back. Also what about reclaiming the ppi?

 

If RW haven't provided you with anything sensible after your CCA request for your credit agreement (for which you will have paid £1) they cannot collect on the debt. If this is the case put the account in dispute with them. There is a template letter for this in the library (link at the top of the page).

 

Get reclaiming those charges as well.

 

Do you feel the ppi ws mis-sold? If so, start a claim to get that back as well.

 

DO NOT TALK TO RW ON THE PHONE. DO EVERYTHING IN WRITING AND IF THEY CALL YOU, REFUSE TO ANSWER THEIR SECURITY QUESTIONS, TELL THEM EVERYTHING IN WRITING AND HANG UP.

 

ims

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when did you first stop paying and then restart paying?

 

sounds like this is well sb'ed.

 

robbersway have just brought 25yrs of old HFC debts that are all SB'ed and are actively trying to fleece prople they can get ahold of.

 

this HFC portfolio has been sold off through one of their offshot names [beneficial finance]

 

all documents were shreaded years ago when the £1.8M PPI fine was levied against them.

 

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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Hi

 

initial request or ppi refund will go to HFC. They will have 8 weeks to respond.

 

After that you decide whether to go to fos or court.

 

What are your grounds for believing you were mis-sold? Again, knowing HFC, most people were mis-sold back in those days!

 

Make sure you look at the fos website for their pdfs and questionaire.

 

ims

 

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I was in an NHS job which paid me full salary for 6 months and I dont recall being offered the chance to decline. I was successful with reclaiming from Welcome so feel quite confident!!!

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well you'll win hands down

it should be a quick FOS case too

 

i am the same.

 

and they KNEW where i worked as it was put down on the APP form!

 

if you've got the agreements and it says your place of work

its a no brainer!

 

make sure you put that in the FOS complaint form you sent to HFC and also inc a copy of your SOC AND the agreement with the bit highlighted.

 

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...

An Update.

 

Robinson Way are now actively seeking payment from me again.

 

I have replied to them today in writing but have just had a call from them.

 

I refused to go through their security but told the caller that what they had sent in response to CCa

was nonsense and also that as far as I was concerned the debt was time barred.

 

She then said its not because I made a payment last September.

 

Any thoughts and advice gratefully recieved.

 

Thanks

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ignore robbersway

 

they soon play their cards.

 

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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oh and whats the golden rule about dca's?????????

 

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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Hi IMS.

I think I did make a payment in September cos I was involved in a dmp at that time before I saw sense.

 

i know I shouldn@t speak on the phone but I was just in from work and she got me at a weak moment!!!!

 

I didnt answer the security questions though so maybe she should have ended the call??

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Hi IMS. I think I did make a payment in Septembercos I was involved in a dmp at that time before I saw sense. i know I shouldn@t speak on the phone but I was just in from work and she got me at a weak moment!!!! I didnt answer the security questions though so maybe she should have ended the call??

 

OK so not SB then.

 

So, have you put in your claim for refund of charges and the other one for ppi?

 

Also, if they still haven't complied fully with the cca request, the account is still in dispute.

 

as dx says, ignore them for the moment as you have defences ready and counterclaims.

 

ims

 

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  • 4 months later...

An update . Any advice would be appreciated. I was notified today by HFC that my complaint about PPI is not being upheld. They say that all the posters and documents stated that PPI was not compulsory and every other complaints was denied also. Do I now complain to FOS

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An update . Any advice would be appreciated. I was notified today by HFC that my complaint about PPI is not being upheld. They say that all the posters and documents stated that PPI was not compulsory and every other complaints was denied also. Do I now complain to FOS

 

Does their letter say it is their final response?

 

ims

 

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what did you sent HFC?

 

an SOC and the FOS questionaire.

 

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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Hi

 

fos or court are the options.

 

If you write to HFC again they are 99% sure to just say they have given their final decision so you need to decide whether to go the free route of fos and wait or issue in court and put in the work yourself.

 

ims

 

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