Jump to content

 

BankFodder BankFodder


gust

old HFC Debt - now with TBI - Claim Form Received.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2360 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

well the spready looks ok.

 

if that is ALL you ever paid

 

dx


..

Share this post


Link to post
Share on other sites
DX

 

i added up penalty charges = £135

 

I have my SAR summary and there is NO NOTES for any default sent out - i dont recall ever having one and i also sent the solicitor a CPR31.14 requesting a copy of the original default - they said no such document has been supplied by OC.

 

from looking though HFC DID charge me £50 in 2006 i can see on this statement. so do i add that to the £135 charges or not?

 

many thanks

 

put the charges in a copy of the FOSCISHEET

like what you did for the PPI

use HFC's int rate inthe int box [D15 ithink]

 

dx


..

Share this post


Link to post
Share on other sites
well the spready looks ok.

 

if that is ALL you ever paid

 

dx

[ATTACH]41434[/ATTACH]

 

this look ok?


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

put the rebates as a minus figure

listed the same as you have for the PPI figures

 

dx


..

Share this post


Link to post
Share on other sites

]thanks DX - i will do that now

 

 

[ATTACH]41435[/ATTACH

 

here is the charges sheet - to when though? when it left HFC or now as tbi are claiming against it?

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

unless you know the interest has been frozen

or the account closed

then to todays date is fine

 

dx


..

Share this post


Link to post
Share on other sites

cheers DX

 

i have ammended the statitsheet like you said - it now looks like this???

 

[ATTACH]41437[/ATTACH]

 

is this right?!


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

ah yes silly me

 

click in cell K43 and hit the delete key

do the same for K44

 

in other words there should be no (-) figures in those two boxes

 

total should now read £247.66

dx


..

Share this post


Link to post
Share on other sites

perfect many thanks!

 

right - next question - the outstanding to hfc was 5961.58 and HFC's NOA states they are pursuing 6011.58 dated sept 2008 - as i said before the amounts are wrong!

 

i sent the case solicitor a CPR 31.14 and asked for proof of ALL payments to TBI

- i stated if card - the number etc, cheque, the number ETC.

 

they sent me this and what do i notice??

a default fee dated 06/02/2008!! for £50.

whats the deal with this???

how can they charge me for a default BEFORE a NOA?

and not tell me?

and 2 ALLPAY fees??

 

 

[ATTACH=CONFIG]41439[/ATTACH]

 

So if you read this - i have paid TBI £210

 

the POC states i owe TBI 5910.64!!! so every figure is screwed up pretty much!!

Edited by gust
add more info

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

typical off TBI.

 

i think they are tun by ex HFC guys if ai remember rightly.

 

ok but NO they cannot add those fees.

 

you can add those to you PENALTY charges reclaim sheet

 

dx


..

Share this post


Link to post
Share on other sites

thanks do i need to make ANOTHER one as the others are HFC and these are TBI? or just use same one. thanks

 

ALSO - i have attached my SAR memo - its shows everything thats happened - since way back then. As you can see NO DEFAULT NOTICE - is this proof enough for court? thanks

 

 

 

 

[ATTACH=CONFIG]41444[/ATTACH]


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

same sheet.

 

interesting to on the dn

 

dx


..

Share this post


Link to post
Share on other sites

thanks DX

 

so compound charges

 

Total of Charges £245.00

 

 

Compound Interest £1,576.14

 

 

Total £1,821.14

 

do you add 8% stat interest on this?

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

this is the figures claimed

 

HFC balance before tbi = 5961.58

TBI NOA after = 6011.58

subtract £210 to TBI = 5801.58

N1 claims its = 5910.64 + a further £245 court fee and £100 solicitors cost = £6255.64

POC claims its = 5811.58 + 8% = £99.06

CRA files showsfeb07 = 5806.00

 

How can the N1 and POC have DIFFERENT figures?!?! this is mental and doing my head in.


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

so I shuld work out what the figures should be? and add to spreadsheet?

 

the N1 says 5910.64 plus interest. would this be refering to the 8% stat interest? or the agreement interest? so are you saying add the £99.06 stat interest to my spready?

 

thanks DX - im just glad this stuff will be over soon as im doing my on head in with it, nevermind yours! :)


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

if the spready runs to today then its already included..

 

as for the N1 figure read the claim form

it will say S69 stat int to date of judgement i'm sure

 

dx


..

Share this post


Link to post
Share on other sites

cheers DX

 

POC says £5811.58 + 8% per annum (£99.06) so that adds to £5910.64... BUT the N1 says £5910.64 PLUS INTEREST. so even this appears to be goofed up?

 

losing the will to live now lol


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

So they have added the sec 69 interest into their claim then requested it again to be decided by the court.Section 69 Interest should never be included in the claim figure..requested and calculated yes but not included...its at the courts discretion.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

like the whole lot of it

 

they've not done their homework

expecting a defaut judgement where nothing is checked but just rubber stamped

 

dx


..

Share this post


Link to post
Share on other sites

Right DX - i think im ready with both spreadsheets

 

FosCISheet for penalty charges? and statint for PPI...

 

you say i have to put the ppi in the counterclaim but mention it in defense?

 

what about the penalty charges.? i aint sure what i am saying in my defense about either really!!

 

 

im going to bed now chaps - hopefully I have all the figures correct with your help.

 

next is file defense! phew!!

 

PS how long does it usually take from filing defense to court date?

will they automatically push it to my local court? or will it be northampton?


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites
Right DX - i think im ready with both spreadsheets

 

FosCISheet for penalty charges? and statint for PPI...

 

you say i have to put the ppi in the counterclaim but mention it in defense?

 

what about the penalty charges.? i aint sure what i am saying in my defense about either really!!

 

 

im going to bed now chaps - hopefully I have all the figures correct with your help.

 

next is file defense! phew!!

 

PS how long does it usually take from filing defense to court date? Depends how good the defence and CC are and if the claimant wishes to challenge it before a final trial date is set

will they automatically push it to my local court? or will it be northampton?

All claims are transferred to your local county court as a litigant if they wish to proceed.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

thanks andy

 

so now i have to work on this defense - there is so much wrong i dont know where to start!


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...