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    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Changes at HFO / Turnbull Rutherford – Quarterdeck Law Ltd


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I received letters today from HFO saying that they have passed ' my account' (for which they failed to submit any of the documents I requested) to Roxburghe, Surrey. This is the first letter from them after my last letter in which I warned them that if they continued harassing me I would report them to the OFT.

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This is the letter:

 

NOTICE OF APPOINTMENT

 

Date: 26-01-2012

Account No.

HFO Ref.

 

Dear Mrs.xxxxxx

 

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

 

We are writing to let you know that we have passed your account to Roxburghe (UK) Limited for administration and all future contact must be made with them. They have a specialist Customer Relations Team that is skilled in dealing with accounts and situations of this type. If you are utilising the service of a third party Debt Management Company, please pass them a copy of this letter and ask them to get in touch with our appointed agents, details of which are listed below.

 

What this means for you:

 

* If you are currently paying your account you do not need to make any changes.

* If you are not currently paying your account, you need to pay the outstanding balance of xxxxxx on your xxxxx account exclusively to Roxburghe.

 

From now on, please direct correspondence and inquiries to oxburghe which is servicing the account on behalf of HFO Capital Ltd:

 

Roxburghe (UK) Limited

PO Box 342

West Byfleet

Surrey KT14 6Y

Telephone: 01932 332027

 

Yours sincerely

 

D H (this is a signature and I could only recognize these two capital letters)

HFO Capital Ltd

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I think it's a safe bet that one or two HFOS staff may move across. HFOS didn't have many UK staff anyway. Maybe the Indian op is to be scuppered as well. Or renamed. After all, the HFO brand has had no 'reputation management', and we've shown that new companies are being set up (but we don't know exactly what for). The house of cards is toppling.

 

HFOS and HFO Capital own the assets, so we need to keep a beady eye on them.

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Interesting, the phone number to ring is

 

Telephone: 01932 332027

 

which is not Indian call centre, those are 0203 made up numbers. not that anyone should call them without carefully recording the call!

Please support CAG and they will support you.

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Looks like HFO Services has all but gone then. Thrown to the wolves.

 

Interesting, they have not complied or responded to my section 10 notice to remove all CRAs marker yet, have lodged dispute with CRAs to investigate.

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Interesting, the phone number to ring is

 

 

 

which is not Indian call centre, those are 0203 made up numbers. not that anyone should call them without carefully recording the call!

 

Which Roxburgh Direct have been using for over three years.

 

http://phoneowner.info/Number.aspx/01932332027

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Presume that you will get one of the normal Roxie 'threat monkeys' then.

 

Hopefully, the complaints against Rox will increase so they loose their license too - not that I want people harassed by them :madgrin:

Please support CAG and they will support you.

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Interesting they have gone back to Roxburgh which was supposed to be a dormant company - is it still in a dormant state or does the name change affect that?

 

HFO/Turnbull Rutherford seem to be in a state... hopefully the relevant authorities are being informed of these changes.

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Interesting they have gone back to Roxburgh which was supposed to be a dormant company - is it still in a dormant state or does the name change affect that?

 

HFO/Turnbull Rutherford seem to be in a state... hopefully the relevant authorities are being informed of these changes.

 

The OFT have an intelligence unit set up to monitor group licences - and obviously the faces behind them.

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