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    • Understood. Maybe as a first step it would be a good idea to write to Amazon and tell them that I would have selected the prepaid hermes drop-off option, like I always do, but I wasn't able to as that option wasn't available for the laptop. Additionally, after Hermes not collecting the item on two consecutive times with the Hermes home pick-up option, I was advised by a customer service assistant to organize the return myself as there is no point in choosing the home pick-up service for the third time. Following his advice and returning the laptop myself being the only available option to send it back to Amazon, I have decided to organize the return myself. I was told that I can use any of the shipping services. To quote I was told: "I could only find the pickup option. So you could arrange your own return using parcel monkey: www.parcelmonkey.com or any similar service. Keep the receipt and send it to: ...url... And we will refund you the postage fees". I didn't get any other instructions and I did what I was told by the assistant to the letter.  What else should I add? Should I mention anything else?   I understand that. I am not afraid of that, I do think that nothing protects them from having to compensate a consumer where they have failed to take reasonable care in performing the contracted service. They have a general duty of care, and they have also failed to provide the service paid for. I really hope that the judge sees it that way too. But maybe Amazon realize the mistake they made and I won't have to sue Hermes. To be honest I think it is disgusting what they do... There is no way to lose a package of 70X40X15. It is way too big. And what are the chances that they lose another package of mine that I send with the laptop at the same time? Obviously someone stole them. What else could have happened? How can they not find the driver who was responsible for the package at the time of moving it from the ParcelShop to the sorting warehouse? And if something happened to the car/driver, it must be logged somewhere. And I would like to see that log (I actually asked them to provide that in my last letter). The whole thing is just unbeliavable.
    • if other details match and this is as a result of say a marriage then yes. CCJ's are not against an address.    
    • Thanks DX and BN.   He did keep saying he’s done loads of parking cases in the past, over the 10 years he’d been doing it, so as you say he’s bound to have come across VCS stuff before isn’t he.   hopefully that’s the case then he just wants to go through it in a bit more detail. Either way you have given me a lot more confidence again now thanks.
    • From Alasdair Macleod , 40 years in stockbroking and financial  analysis  The Eurozone is bust. The deterioration of TARGET2 imbalances have been hardly noticed, but in recent months it has been alarming. Despite official denials over the years that it is a matter of concern, it is increasingly obvious that the national banks of Italy, Spain and other nations with increasing bad debts are hiding them within the TARGET2 system. The first wave of Covid-19, which is leading to bankruptcies throughout the Eurozone, is now being followed by a second wave, which will almost certainly take out a number of important banks, in which case the cross-border euro system will implode.   https://www.goldmoney.com/research/goldmoney-insights/the-destruction-of-the-euro
    • I agree but it doesn't change the fact they're all in the system the same way we are and they vote in certain ways for varying reasons that are far far away from our own motives.   The whole wretched system needs taking down and starting from scratch 
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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.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      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.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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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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HFO chasing old welcome car CCJ - almost paid off - they say no its not


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Their other habit with Welcome accounts was to split the claim... maybe they’re trying to apply the judgment to the whole debt rather than the claimed amount?

 

Either way, you must complain to the new body (FCA) as well as contacting the rump of the OFT. Stick another nail in their coffin. They deserve prison.

“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

 

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Their other habit with Welcome accounts was to split the claim... maybe they’re trying to apply the judgment to the whole debt rather than the claimed amount?

 

Either way, you must complain to the new body (FCA) as well as contacting the rump of the OFT. Stick another nail in their coffin. They deserve prison.

 

Yes, almost certainly this... because the letter threatens to start adding interest! Bingo!

 

That means they’re trying to use the judgment on a smaller amount to retrieve a larger amount. Complain to the courts, the OFT rump and the FCA.

 

Time to send these bad boys to gaol.

“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

 

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Here is a variation to the original Judgement that details the original amount the judge ordered me to pay

 

 

on the original judgement the variation was to reduce the monthly instalment that I had to pay

 

 

at first they wanted the whole amount in one go

 

 

then settled for £60 per month

 

 

i applied to reduce this to the £30 per month

as in this variation order I cannot find the original judgment form at moment

(must have been filed in wrong folder in cabinet.

as you can see the judgment was obtained by HFO Services Limited not HFO Capital.

 

 

is there a template letter for complaining to the FCA and OFT

 

 

Thanks

Peter

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DonkeyB

 

 

No I have not received any statements of accounts.

 

 

.. the only letters I have received are one letter stating that Turnbull Rutherford are no longer dealing with this about a year ago

 

 

and the letter in the previous post above.

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oh dear!

 

 

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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Oh dear indeed.

 

On many levels.

 

HFO Capital’s new website – http://www.hfocapital.org/ – claims they treat customers fairly. I beg to differ. They are lying toerags.

 

More interestingly, on their Payment Methods page, they ask people to make cheques and POs payable to ‘HFO”, rather than “HFO Capital Ltd’. I wonder why this could be, given there’s an HFO Services Ltd as well? Of course, I’m not suggesting anything...

 

http://www.hfocapital.org/payment-methods/

 

 

One really big problem is that – I am 99% sure – the phone numbers in the letter you received lead back to Turnbull Rutherford, who supposedly have nothing to do with this any more. It’s almost worth a call to check this... actually, out of hours there is a voice message with an Indian (guessing) accent which does not identify the company at all. But that dialling code can be found in the exact business park where TR is based in Chiswick. May be worth calling to actually ask if that’s TR, or to get a named individual. Will do some more digging.

 

Need also to prepare a nasty letter of complaint. Capital have no rights to chase a debt owned by Services. Full stop.

“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

 

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And you really should be asking this question: why is HFO Capital Ltd using data that are controlled by HFO Services Ltd?

“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

 

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Fivedragonslayer, can you record calls?

“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

 

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Actually, there’s a far more interesting issue here.

 

HFO Services, which owns the account and has the judgment, is a subsidiary of HFO (UK) Holdings Ltd, which remains in liquidation.

 

The account should therefore be in the hands of the liquidator, and have nothing to do with HFO Capital, which was the parent company of HFO (UK) Holdings.

 

Unless, of course, the liquidator (same one as for Roxburghe) has sold the accounts back to Capital (which I’ll check via the Companies House depositions), which would be beyond a joke. In which case a Notice of Assignment would have been needed...

 

So, for now, my main question is – why is HFO Capital getting involved in the business of a company whose parent is in liquidation?

“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

 

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This whole HFO thing seems to be pointing towards them NOT getting their licence renewed, and digging themselves a very very deep hole.

 

I bet if a lot of their jdugements are looked at in depth they will be found faulty. It is a pity somebody can't do that once a company has been found misusing the courts - think of the repurcussions another company (Uncle Bryan's) would have!

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Fivedragonslayer,

could you please check your credit file to see if anything’s listed against this?

Would be good to find a default date and default amount.

 

Do you have any records or earlier demands from before court action that show how much HFO were chasing you for?

Would be useful to get to the bottom of the possible split claim.

 

I would also suggest you call the 020 8899 number (as I did) to get the name and company of the person you talk to.

 

 

Ask where they are based.

 

 

Just state you will be making a serious complaint regarding their letter

– don’t enter in to any detail Record the call if you can.

 

Any other history on the debt would be useful.

 

I think the OFT will want to be your bestest friend after this.

“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

 

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Well, well, well... finding very interesting things from documents filed at Companies House...

“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

 

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Another query – what was the postmark on the letter from HFO Capital?

“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

 

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Well, well, well... finding very interesting things from documents filed at Companies House...

 

Let’s just say I hope the employees of HFO Services Ltd who were actually paid by HFO (UK) Holdings (and are still owed money in many cases)

are going to ask why the shares of HFO Services Ltd were sold to a related party, HFO Capital Ltd, for just £6,000...

“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

 

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Hi donkeyB

 

 

I can record telephone calls,

 

I have checked the CRA files there are no defaults shown in relation to this as it is older than 6 years

also the judgement is no longer showing as well

 

I have no more paperwork from HFO

 

 

I have the original court claim which they tried to claim nearly £9K from me

 

 

but I defended it in court and the judge ordered me to pay only the £3K plus £395 costs.

 

 

Cheers

Peter

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Postmark on letter from them?

 

Why did the judge knock it back to £3k?

 

Suggest you call that number to say you will be complaining in writing, and get a name, company and location. Record it, for your own records, of course, just so you can be sure what was said if it’s ever denied.

“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

 

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The OFT is no more just the FCA now.

 

There’s still OFT people working on cases like this, Brig!

“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

 

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Any news Peter?

 

Here’s something interesting.

 

The accounts of HFO Services, posted in September, state that HFO Capital Ltd is in the process of being sold. The empire may appear to be crumbling, but you can bet there’s something else behind it all...

 

HFO.png

“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

 

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And I predict that a company called Cograd Ltd will rise from this. Odd that Cograd Ltd doesn’t seem to be registered with the ICO, nor does it seem to have a consumer credit licence, yet its people and suppliers (ex-HFO/Rox) are all talking about databases and portfolios of accounts. How odd.

 

Oh, and it seems to operate from Chiswick. Can anyone think of any solicitors in Chiswick?

“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

 

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And I predict that a company called Cograd Ltd will rise from this. Odd that Cograd Ltd doesn’t seem to be registered with the ICO, nor does it seem to have a consumer credit licence, yet its people and suppliers (ex-HFO/Rox) are all talking about databases and portfolios of accounts. How odd.

 

Oh, and it seems to operate from Chiswick. Can anyone think of any solicitors in Chiswick?

 

 

Concillian Group (CCS collect/credit solutions?

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Yes, Brig, it’s all under the Concilian banner – totally non-transparent Malta-registered company. Nowt to do with Credit Solutions, as far as I know.

 

My finger is well and truly as close to their pulse as I can keep it, until they’re all de-licensed for good. Best place I find for a pulse is the neck ;)

“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

 

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They also have a little vehicle trundling called Prime Arbor Capital...

 

Prime Arbor Ltd

Prime Arbor Finance Ltd

 

Director of both – Badri Nathan.

 

And Cograd Ltd used to be known as Roxburghe Parking Services Ltd. We’ve seen this kind of name shifting with Concilian Group companies before...

“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

 

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Yes, Brig, it’s all under the Concilian banner – totally non-transparent Malta-registered company. Nowt to do with Credit Solutions, as far as I know.

 

My finger is well and truly as close to their pulse as I can keep it, until they’re all de-licensed for good. Best place I find for a pulse is the neck ;)

 

 

There's mention of Credit Solutions on one of their websites DB.

 

 

There's a fairly large law firm in Chis Lancasters.

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There's mention of Credit Solutions on one of their websites DB.

 

 

There's a fairly large law firm in Chis Lancasters.

 

Could you point me to this, Brig? Hear it a lot but never see it. Some people are confused because Barclaycard used to use CS before selling debt to HFO.

 

What’s ‘Chis Lancasters’? Excuse my slowness. It’s early...

“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

 

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