Marsdon HCEO for HSBC Invoice finance ltd £17k debt

[seklof]

 

 

[fork-it]

You do not have to sign it.

 

You dont have to let them into your property.

 

You dont have to even speak to them.

 

Do not reply to it. Just put it on the claim file.

[seklof]

ok

will do

bump

[ploddertom]

Is this business or personal? If business do you trade from a separate premises? What goods are they claiming to have seized? Did you have knowledge of the original CCJ?

 

PT

[seklof]

bump

[ploddertom]

Answer my questions in Post 6.

[fork-it]

bump

 

What is the question?

[tomtubby]

It is not wise to ignore such letters.

 

With High Court Enforcement, the HCEO has NO right of forced entry into residential premises. Your car could however be at serious risk of being removed. They do NOT require your signature for removal of the car.

 

Anyone can avoid debts getting as far as a High Court Enforcement Officer by ensuring that the respond to the claim form to either defend the action or admit the claim and either pay the debt ( probably unaffordable ) OR complete the means forms and the court will make an order that the Judgment can be paid by way of monthly payments.

 

Also, if Judgment has been obtained, then by completing an N245 you can request that the court vary the order to allow you to pay the debt by way of affordable monthly payments.

 

If you had not received the summons, you can instead file an N244 to request that the court SET ASIDE the Judgment.

 

In this case, the HCEO is entitled to remove goods BUT he can only do so if you allow him into your property or he can gain entry "peacefully". Debts like this should not be ignored

[seklof]

yes i agree on all points

i do not have anything to offer - the car is registered at a friends house so they are worried about this more than me - i sleep on floors and sofas they have taken everything i own any way thats why they obtained a judgement against my old property which was repossessed so i did not receive the summons

if i get it set aside and acknowledge the debt i dont have anything to offer and dont want to be burdened with them chasing me for ever id rather ignore it i dont have anythin g left its all been taken anyway

the car has been moved off my friends drive now

[brassnecked]

If you are unemployed and NFA the court fee could be remitted, and the court could set a payment of £1 per month as a token, and possibly you could apply for a write off after 3 years under the head of never being able to repay, that is how a CAB I know of (a good one) operated

[seklof]

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[brassnecked]

Presumably as they have a writ of fi-fa for a CCJ, and are enforcing it as HCEOs could you post rough details, regarding original debt, amount of fees etc allow the regulars to pinpoint your best way forward, for example challenging the fees because you may be on benefit and cannot afford them, or some other reason to apply for a stay.

[seklof]

well its around 17 000

what is fi fa

what is hceos

 

thanks for looking in

i dont own anything

i dont have anything

im one short of living in a field

[Sk1ppy]

I notice in that Bailiff's letter they could seize your pension, great that would leave the tax payer to pick up the bills in you retirement

[brassnecked]

well its around 17 000

what is fi fa

what is hceos

 

thanks for looking in

i dont own anything

i dont have anything

im one short of living in a field

 

A writ of Fi-Fa is the document you have posted that allows the HCEO, High Court Enforcement Officer, to take your goods to sell at auction to pay the original debt, and his fees.

Are you technically homeless, such as staying with friends, or in a squat? are you a foreign national, from another EU counrty? this is not prying, it allows the regulars to look for the best way to tackle this. You have made the first important step by asking for advice here.

 

There may well be grounds to ask for a stay from the court on the grounds you have no income, possessions and cannot afford the HCEOs fees, how much of the £17,000 is the original debt? And how much are the fees the HCEO has added? we need to know how much is for each to give the best advice. You could fill in Form N244 and apply for a Stay of Execution on the grounds you cannot afford the fees, but others will be able to help further

[seklof]

[ploddertom]

Posting a load of copies of letters about this will get you no help as we don't know what it is you are trying to acheive. We need more information in order to try & help you. At present I find this thread very confusing, you need to start at the beginning.

 

PT

[seklof]

well the thread really just outlines the letters being left at an address i dont reside at

- any help from people who have had the same kind of thing happen to them is gratefully received

 

my thread outlines my current situation

this is being put into the domain for others to read and possible give some advice

or so people in the same situation can join in

 

in most cases there is not much that can be done unless you can advise otherwise and so if you can offer any help great if not

read something else whilst you work/ drink coffee / etc etc in front of your screen

[ploddertom]

Seeing as I don't have an earthly clue about HCEO's I'll look elsewhere

 

:???:

 

PT