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gavandcarly & HFC issues, now find i have a CCJ i knew nothing about


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what does your CRA file say?

 

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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Finally got one, from checkmyfile...

 

Well well well you were right guys, HFC did issue me with a CCJ........

 

Funny they never mentioned that...

 

The thing is the CCJ was issued on April 2010, however the default notice was sent out on 18/09/10.....

 

Well I am assuming it is HFC as the balance is the same as the HFC balance.

 

What the heck???????????

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that would be about correct

 

ok you didn't know about the ccj so you could get is set aside

 

however, you cant do that from abroad me thinks

 

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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nope.

 

its very strange they have not refered to it

 

keep quiet on it.

 

when was your last in/out on it?

 

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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YOUR last financial transaction on the account

 

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

is this default listed on the CRA the one about the missed DD on bank change over you spoke of at the start of this thread?

 

something smells here

 

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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trying to get things clear here

 

WHAT markers have you got and their dates>>

 

default

CCJ

then nothing more

 

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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huh

how can they default AFTER a ccj.

 

its as if they dont know it exists

 

this is really weird.

 

its going to need homework

 

you need a copy of the CCJ [but you dont know the court - but i bet its northapton bulk]

 

and you sadly need to sar HFC.

 

something is wrong here

 

they cant issue a default on a cra file that has a ccj on it

thats just plain stupid - you enforce the ccj ?

 

the CCJ will have a judgement box

we need to know WHAT it says there basically.

 

sounds like two accounts to me?

 

very weird

 

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

They have responded with this:

 

Thank you for your response.

 

I believe you would still see some benefit from paying a lump sum

settlement but accept that this is your decision.

 

HFC would be prepared to accept 10 monthly payments x £50 and 1 final

payment of £58.63 to settle your loan. have you considered when you would

re commence payment and by what method? Let me know if I can help in this

process.

 

I plan to provide you with a final resolution letter (attached to an Email)

on Monday 12th December and will of course include the full details of the

Financial Ombudsman Service.

 

 

Should I mention the CCJ????

 

Also on the credit report it does say Northampton court.

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then phone them [northampton]

see if you can get the judgement details sent or faxed? to you

also the org account number

 

we need to get to the bottom of this

 

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... 

Link to post
Share on other sites

Well, the CCJ is indeed from the HFC debt.

 

HFC passed the account to Weightmans in 2010, and they were the company that charged the £147 for the judgement fees, it also went to court and therefore My husband now has a CCJ on his credit file which was issued in april 2010.

 

HFC never mentioned this to me in all of their correspondance....

 

HFC also issued me with a default in september 2009.

 

Can they issue a default and ccj?

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deeper and deeper and more puzzling

 

who name is against the debt on the CRA [owner]

 

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

ok

do you know who's name is against you on the ccj?

who took you tou court?

 

weightmans would of have to of owned the debt to do it

only the owner can take proceeding against a debtor.

 

another thing..

 

all you hAD to pay was on the judgement

so if you've paid that

then no more is owed.

 

as for the default

they cant!

 

something is very very odd here

 

but eitherway

you can get the CCJ set aside as paperwork was not served to the correct address

 

i take it you've moved in recent times?

 

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... 

Link to post
Share on other sites

Yes I have moved since the address in which they sent the default to and the CCJ to.

 

What do I need to do to get the CCJ set aside?

 

Yes weightmans did own the debt, so it was them that took my husband to court...

 

What do I do about the default? I have no clue what I should do....

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well just type in set aside CCJ in our advanced search top right

your claim will be it was puposely served to an old address to get a default judgement - pretty standard

lots of same threads on here.

 

so, if weightmans owned the debt and took you to court

what are HFC doing back on the scene and why have they

unlawfully defaulted you.

 

i think we can deal with this bit latter.

 

though it might be worth while to SAR HFC

 

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... 

Link to post
Share on other sites

  • 1 month later...

Hello there,

 

I got a HFC issued a default to me on 30/09/09 and a CCJ on 15/04/10.

 

I have only just seen these as I got my credit report.

 

I have contacted HFC in which they have stated that they sent the default notice and CCJ not to my mums address, however I do not live there, and did not live there at the time that they sent the notices, therefore I had no clue about them. Also if they had been sent to my mums address i am sure she would have given them to me or told me about them, I have asked her about it and she says she has never received anything.

 

I asked HFC how the notices were sent, was it by recorded delivery etc, and they said they are sent by normal post.

 

I dont have a clue what has happened to the notices as they have never been received.

 

I really need the CCJ and default of my credit report as I wish to buy a house in the near future.

 

Is this good enough reason to issue a set aside?

 

Also if it is, should I pay any remaining debt to HFC in full now, or wait until the set aside is complete?

 

Please help.

 

Thanks

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