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HFC/Reestons CO enforcement - now going to court again?


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Hi

I need help urgently hope anyone can help?

 

I took out an unsecured (rolling) loan with Hfc in 2000,

I got into difficulty in 2007 when i was really ill,

account was passed to weightmans who informed me that they had obtained a charging order on my house,

(I have never seen proof of this & stupidly never asked)

 

to cut a long story short,

 

I have never heard from HFC themselves since Nov 2006

& weightmans since sept 2009 ( i stll have the letter, which in it refers to the charging order)

 

I have buried my head in the sand & havent paid any thing on this account since 2007!

 

Like I said I have never heard from HFC until I contacted them in Sept 2012 regarding a PPI claim,

when they then started persuing me for payment,

the letter stated they had wrote/phoned/text on several occassions which is all lies!

 

Next I received a letter headed Beneficial finance,

then they got reestons solicitors involved

This all happened within weeks!!

 

but when I wrote asking for more details proof of agreement etc they were I feel purposely slow to response

& sending un-readable copies which I had to re-request!

 

The next thing I know they were taking me to court,

I did reply but think it may have been a litle late & before I knew it was granted in their favour

due to not replying & wanted full amount forthwith!

 

I can not afford it it amounts to £4400!

so I have filed a N245 form, was this the correct thing to do?

 

a couple of days after I received a transfer of proceedngs to kings lyn county court for enforcement, what does this mean?

 

I am so scared the baliffs will come,

my husband thinks I paid this off ages ago!!!

 

When weightmans told me previously they had a charging order do you think they were trying to scare me??

 

Can Hfc take me to court twice for the same debt if they already had a charging order?

If they didnt have a charging order what are the chance they will go for one this time,

I would rather have this than the baliffs come!

 

How much time do I have & how does the N245 work?

 

I so worried, I keep searching the internet for answers & just get myself more anxiuos!!!

 

so sorry if it all seems so messed up & rambled!!! xxxxxx

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Hi

Thank you for your reply

The link is very interesting & I have previously been on this site

& ones like it & thats what worries me as its more than likely that they will send the baliffs to cease goods!

 

can I stop this happening?

 

Have I gone about it the right way by sending a N245 form?

 

 

I have also offered a repayment plan to the creditors,

 

I dont know if this was a correct thing to do,

 

I justed panicked! just dont want the balliffs to come!!

 

Does any one know how the N245 works & how long it should take???

 

Thank you xx

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scan up the spoof CO letter

 

and also the info you have on the PPI?

 

will the wipe the debt out.

 

you cant have had a CO without a CCJ

 

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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Hi

Thanks for your interest, sorry I dont mean to come across as dumb but do i scan the information you want to see as an attachment? I will have to forward this tommorrow.

I feel I do have a strong case for the fefund of ppi, as I was working sub-contracted at the time, they also advise me i couldnt have the loan without the ppi & keeped going 'away' to talk to the manager! then when I was diagnosed with cancer & went to claim was informed I wasnt covered as I was self-employed!! Took them several months & letters to actually stop taking the money for insurance!

yes the amount I am owed in ppi will cover the outstanding debt.

xx

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sri the link didn't show..

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

great news on the ppi wiping the balance

 

can you scan up all the statements and the agreement?

 

or if you want

 

followthe links below and do it yourself [no.1.]

 

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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Hi

Sorry really trying to up load the letters but to no avail??

think the files maybe to big???

just taking ages to up load???

Sorry im usually ok with this sort of thing

Will keep trying a really neeed the help

 

Does anyone know how long it will be before I hear anything either about the enforcement or my N245 application

 

really appriciate it xx

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follow the guide

convert to PDF ,

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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  • 4 weeks later...

Hi

i would like to thank those who sent replies & advice,

 

HFC went for a charging order,

 

which is at the moment in the process of being transferred to my local court for enforcement,

 

but in the meantime i have received a letter stating they have up-held my ppi claim & this will clear all of this debt!

 

I am extremly pleased as the amount is what I was expecting!

 

Although what a complete waste of time & money taking it all to court for the ccj & charging order,

 

beggars belief xxx

Once again Thank you xx

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good well done

 

wasted costs claim time?

 

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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