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    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
    • @Andyorchnot what I have seen as all parties have signed for Sponser to be100% liable for fees.   @dx100ukthats what I thought it sounds like to be fair.
    • During that time my credit rating was shot yeah.    I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to.    I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)   I remember  going for the 118 loan at the time and was amazed I got it.  Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄.  I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.    To answer your other question I have not paid any other DCA any monies.  Right now this 118 debt is the only debt I have.    Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far?    Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 
    • Allegedly ......Well thats something for you to address within your statement backed up by evidence by way of exhibits...I have had to edit your previous post referring to this amongst other remarks please refrain from making these statements within your posts and putting the forum at potential risk of liable remarks.
    • Yes she is the sole owner of the house.   swift are horrific, they are so horrid and I am desperate to help her in any way!    I will get these forms completed and I am prepared to battle and fight if needed.    thanks so much talk soon. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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High I'm new here, so don't even know if I'm in the right section, apologies but in mitigation I am a pensioner.

 

I have recently found out that my husband of 71 has run up credit card debts which had been defaulted on payment, the debt was apparently sold to collection solicitors Turnbull Rutherford, I have now taken charge of trying to sort out the mess, this company has place an attachment to our property, and it appears that the interest has been pilling up, the debt is currently at £21k, I have requested copies of the original signed agreements as per the sale of goods act 1979 section 75.

 

However we have now received another letter with a settlement offer of £6.5k, which seems incredulous, my first reaction was to run to the bank and try and raise the cash, but think I will wait for any advise this forum can give me.

 

PS the letter states the offer is only open till Friday 28th June, so there is not much time to respond, or raise the funds, this is causing me sleepless night and stressful days, which I could do without, I am currently receiving chemotherapy treatment for cancer, all this debt worry is not helping.

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First of all, welcome to CAG.

 

There’s a lot you need to find out here.

 

Turnbull Rutherford does not buy debts – it acts on behalf of HFO Capital Ltd and HFO Services Ltd.

 

If they have a charging order on your property, then they must also have a CCJ. This would be in HFO’s name.

 

You need to find out what is going on – can your OH not tell you? What correspondence has he received over the years>

 

You can go to Trust Online and pay a few pounds to find out if there is a CCJ listed.

 

Who was the original debt with? We really need a full history of this to help properly – but we usually defat these dishonest idiots (and I can prove they have been very dishonest in the past...).

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Many thanks for your prompt response, yes the debt claimant is HFO on behalf of Morgan Stanley and Goldfish, and again yes there is a CCJ and I now have the paperwork.

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discount.....something smells bad

 

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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Lots more info please. Needs details of original accounts, defaults, date sold to HFO (Capital or Services?), who has CCJ (Capital or Services?), date of claim and CCJ award, amount of judgment – why did you not defend the claim?

 

Really hard to help without the full facts. Detail is everything.

 

I imagine the £21k is just ramped up interest that they are not actually allowed to claim.

 

Tell us more...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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HFO on behalf of HFO, you mean. MS and Goldfish had nowt to do with the claim. This is what I mean by accuracy in the detail!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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As explained in the beginning, I am new to this and finding it all daunting, will try to sort the detail and revert, much appreciate your help

Edited by kathy1950
hadn't finished sentence
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Understand, of course - loads of us here to help. :)

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Hello Kathy,

I would be wise to check credit reference files to get some idea of status of these debts, Experian (Credit Expert) and Equifax both have 30 day free trials there is also Noddle which is free but not always up to date.

 

Do you know when the last payments were made on the accounts!

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Hi Kathy, I'm also here to help, I to had a Morgan Stanley/ HFO issue, when was the CCJ, who made the claim, HFO Services or Capital, lots more question for you but these will do for starters.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Think this is just a legacy account, SG. All from the same period.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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just to clarify, can you give us the following info-

 

when did they obtain the CCJ

who exactly was the claimant, Services or Capital

do you have a copy of the original N1 claim form, if so can you post up the particulars of the claim

did you defend the original claim, if so why not

do you have a copy of the actual judgement

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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