Jump to content


  • Tweets

  • Posts

    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hfo turnbulls court proceeding pls help!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4382 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

What I’d like to know is why Barclaycard are passing your personal correspondence with them to HFO. That is not on – a letter to the ICO is in order.

 

That's very true DonkeyB, Barclays said that they would send a letter out confirming who the debt was assigned to and they then send it to TR! I will send a letter to the ICO in regards to this.

Link to post
Share on other sites

  • Replies 403
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

That whole piece of correspondence from TR is very odd indeed, definitely needs some complaints. Give them enough rope etc...

 

It was very badly written, they seem to think by cornering me I will agree to pay them money. I will write the letters if complaints to the ICO and write to the court for a letter re the claim being stayed. As for TR I'll await to see what they now do. They will have to apply for the stay to be lifted and give re non compliance with the CPR. Should I submit an application for a strike out or just leave it for now?

Link to post
Share on other sites

The whole Barclays debt scenario concerning TR & HFO seems to be taking

on a very strange development, smacks of desperation to get debts off

their books by any means.

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:

Link to post
Share on other sites

These debts have been off Barclaycard’s books since 2006-2007. They have sold nothing to HFO since then. The last things I can trace being sold to HFO are some M&S accounts in summer 2008.

Link to post
Share on other sites

Sorry DB didn't make it clear, I mean HFO seems desperate:madgrin:

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:

Link to post
Share on other sites

It's getting quite silly, I had copied in the court on all letters so they knew what was going on. I requested a stay via fax and sent proof of postage re my letters to TR and the claim was stayed. The court must think what are TR doing. I'm really reluctant responding to TR and stating the claims stayed as its futile and it's not my role to inform them.

Link to post
Share on other sites

Unfortunately the courts don't ''think'' in the way you mean,

the administrators process paper work, judges do the thinking

when they see the results.

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:

Link to post
Share on other sites

  • 1 month later...

Hi Guys I am back, received a letter from TR today attaching a copy of the CCA dated 28th July 2009 (not 31st July as they initially said) and state that they provided the default notice copy previously.

 

However my CPR request stated;

 

Further to my fax dated 18th June 2011, in which I have requested documents as per CPR 31.14; I also request that the following documents are sent to me as they have been relied upon in your claim;

 

1.The ‘intra group sale agreement’ that you refer to in paragraph 2 of your particulars of claim.

 

2. The credit agreement dated 31st July 1999, which you refer to in paragraph 3 of your particulars of claim.

 

3. The notice of assignment, which you refer to in paragraph 5 of your claim.

 

4. Recorded conversations and written correspondence referred to in paragraph 6 of your claim.

 

5. A copy of the deed of assignment of the debt in dispute.

 

6. Any documents, which you rely on in respect of your claim.

 

Any advice guys? They haven't sent me Also the court did not send me confirmation of the claim being stayed even though I wrote a request asking so. TR maybe have a clue or don't re the stay?? No intra agreement provided at all! They state in their letter that if they don't hear from me by 12th Sept they will ask for a summary judgment! (Claim stayed though)

 

Any advice will be greatly appreciated. Where do I now stand with the CPR as they have not provided full documents?

Link to post
Share on other sites

I guess you mean 1999 for the agreement?

 

Can you post up what they have sent? Were any T&Cs sent? I think a sharp reminder to them that (i) the claim is stayed and (ii) they have failed to respond to CPR and YOU will be requesting a strike out or an order to comply with CPR.

 

As they are making threats of SJ when a claim has already been stayed, you MUST report this to the OFT – they cannot apply for SJ while the claim is stayed. Send that letter (and all the relevant facts) asap to Polly Ashford at the OFT – [email protected]

Link to post
Share on other sites

Thanks DB, they write;

 

We write further to the above.

 

We enclose a copy of your Barclaycard agreement. You were provided with a copy of the claimant's default notice dated 13 April 2011.

 

In light of the above and our 20 July 2011 letter we once again invite you to contact us with a view of settling this matter without the need for further proceedings. If we do not hear from you by 12 September 2011 we will proceed with an application for summary judgment without further notice.

 

My worry is that I only found it that the claim was stayed hen I called the court, I have not received confirmation in writing from them despite requesting. TR may claim that they were unaware and should have been given the opportunity to respond before the claim was stayed??

 

Yes the agreement is dated 1999. T&C's photocopied and attached. Intra company agreement never sent to me but I requested it in the CPR.

Link to post
Share on other sites

They did have the opportunity to respond to your defence, they did not bother, if they want to apply for SJ, they will have to apply to lift the stay first.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Many thanks, I'll check with court tomorrow. I'll lodge s complaint with OFT. Would it be for TR or HFO? Am I able to complain against TR to the Law Society for threatening me with sj when the claim is stayed? Should I write to TR or let OFT deal with it?

Link to post
Share on other sites

I am aware of a recent case where the claim was 'stayed' and the defendant was told by Northampton that TR had applied for Summary Judgement after the 'stay' but were told to blow.According to them 'claimants often do this'. This has been reported to OFT so suggest that you do the same, urgently, also contact the court again and find out if TR have applied. The court do not routinely write out to inform people of a 'stay' but BA is right, people have managed to get email confirmation.

  • Confused 1

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Many thanks, I'll check with court tomorrow. I'll lodge s complaint with OFT. Would it be for TR or HFO? Am I able to complain against TR to the Law Society for threatening me with sj when the claim is stayed? Should I write to TR or let OFT deal with it?

 

Complain to OFT about TR AND HFO Group of Companies, they are one and the same. You can also complain to Solicitors Reg Authority but OFT are probably a better bet at the moment. Do not write to TR just at the moment, have you posted up the docs they sent you? Need to look at that agreement etc

Please support CAG and they will support you.

donate

Link to post
Share on other sites

Is the agreement legible and do the Tand Cs look like they belong to it? If you can scan them with any person details covered or use MS 'Paint' program to 'hide' the personal details once scanned and then convert the file to PDF or save it to a zip file, you can then upload using the 'go advanced' button and 'manage attachments' option

Please support CAG and they will support you.

donate

Link to post
Share on other sites

I have attached the documents the agreement is the dark one, it has come up darker after scanning, it is a little lighter on my documents. I appreciate any advice thanks in advance. :-) have to add in two parts.

680285367[1] 6 jpeg.jpg

680285367[1] 4 jpe.jpg

680285367[1] 7 jpeg.jpg

680285367[1] 3 jpeg.jpg

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...