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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO CAPITAL/services/turnbull CCJ


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The biggest thanks must go to CAG for giving us a forum to fight these morons on. Before CAG (and I'm sure mel would agree) TR would have won a steamroller victory today for a debt their client doesn't even own.

yes i often wonder where i would be if

1; i didnt have a computer

2; most definately this website. where would a lot of us be hey!... i only found this site via MSE :grin::grin:

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Many of us have had parts of that document at various times, but this is the first time we've got the page that mattered - the one that says 'all existing and future debts are assigned to HFOS'. I only ever got the second page, and I always knew there was a reason why.

 

I think TR/HFO will be kicking up a stink about our using confidential documents now... tough. Live by the sword...

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Many of us have had parts of that document at various times, but this is the first time we've got the page that mattered - the one that says 'all existing and future debts are assigned to HFOS'. I only ever got the second page, and I always knew there was a reason why.

 

I think TR/HFO will be kicking up a stink about our using confidential documents now... tough. Live by the sword...

 

The power of this document is damning for ANY case brought by HFO Capital.

 

As we know HFOC cannot bring claims themselves ANYWAY.

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Many of us have had parts of that document at various times, but this is the first time we've got the page that mattered - the one that says 'all existing and future debts are assigned to HFOS'. I only ever got the second page, and I always knew there was a reason why.

 

I think TR/HFO will be kicking up a stink about our using confidential documents now... tough. Live by the sword...

its in the public domain well and truly now!!:D

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Well done everyone involved and Melmumof3 you did very well in court - it is very nerve racking. This HFO business has been the subject of many theads and cases on CAG and none of us seemed to be getting anywhere even though we all knew something was dodgy.

 

If you keep on digging you eventually turn up a key fact that brings their tawdry house of cards down.

 

Now on to some serious complaining... OFT; FSA; Companies House and Customs & Excise woud surely love to hear of how they are losing VAT due to these debts being assigned to the Cayman Islands.

 

Utterly great job!

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yes i often wonder where i would be if

1; i didnt have a computer

2; most definately this website. where would a lot of us be hey!... i only found this site via MSE :grin::grin:

you would be in the same position as me and a few hundred others who tried to go for the banks in 1992 we hardly had access to the net then......BANK ACTION GROUP we were called but it did nt lasts because the banks just ran rings around us because the law was exclusive to the banks back then

patrickq1

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Mel, could you call M&S again and get someone else to confirm exactly to whom and when your account was assigned?

 

I know you've already done it but as you'll see here it really could help close these idiots down! Could you record the call?

 

Thank you so much.

 

Donkey

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/236290-have-you-been-taken-5.html#post2633326

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/231293-help-defence-ws-required-15.html#post2633739

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Wow, I have just sat and read all of this and am amazed at the time and effort you guys have put in, must be rewarding to see the outcome :)

 

I found this site via MSE but have not posted here before.

 

I should really start up a new thread as this will probably get lost in here with this one as I do have a situation and the days are ticking!

 

Was particularly impressed by creditcardmug and docman for what looks like hours or work on that defence! Is that normal for a defence to be that long?!

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Mel, could you call M&S again and get someone else to confirm exactly to whom and when your account was assigned?

 

I know you've already done it but as you'll see here it really could help close these idiots down! Could you record the call?

 

Thank you so much.

 

Donkey

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/236290-have-you-been-taken-5.html#post2633326

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/231293-help-defence-ws-required-15.html#post2633739

how are we all guys??....

 

i think my email addy was fed up with sending emails to me from here, i didnt get any of your emails, just came back on with news of a letter from M and S...

 

donkey, i havent been able to record my calls, i havent contacted M and S since i asked them to send the letter in october, but today ive received a letter from M and S (unsigned, was thinking 'is it from 'HFO' but the address on back of envelope said kings meadow address)... well it says they are writing to confirm the account was sold 30/6/08 to HFO Cap, and is being administered by HFO services....

im guessing now, this letter may have been generated because of HFO losing their case?...still, all in all, M and S have sold it to a company in the cayman islands, whom then tried to bring a case against me in an english court...i still dont feel this is the last ive heard of HFO SERV/Cap whoever they fricking are!:|

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Hmmm... wonder if they've been planning an appeal...

 

This is a mirror of what happened to VJ - looks as if HFO 'arranged' for a convenient letter to be sent to them from the OC. Why on earth would M&S write to you now? I think you should be proactive and contact them to ask why they have (a) sent this letter (ask specifically if it was because of a request by HFO/TR), and (b) contradicted the data they provided in their previous letter.

Please try and find a way of recording the call!

 

However, that letter (can you post it up?) doesn't really help HFO, because it still says HFO Capital. The date remains wrong. And we know HFOC's debts go straight to HFOS...

Edited by DonkeyB
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awww only just read your comment, have just phoned, closed from 4pm grrr.... how would i record a call, i dont have a mobile, and have no money to buy anything to record it with... hmmmm hellllp??

 

this aint over is it??......:(

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awww only just read your comment, have just phoned, closed from 4pm grrr.... how would i record a call, i dont have a mobile, and have no money to buy anything to record it with... hmmmm hellllp??

 

this aint over is it??......:(

 

Don't worry Mel... I suspect we can piggyback our cases on this assignment issue.

 

Now... there is one option you can try and people can beat me up if this breaches CAG rules etc...

 

You could request in writing that a third party be authorised to handle your account (just this once) etc... and that person could be someone from here (hint hint) who just so happens to have something to record the call with ;-)

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Mel... your surname is on the letter ;-)

 

Anyway... did you ever find out who M&S claimed it was sold to and on what date?

 

Mel has already had a letter from M&S saying it was sold on that date but to HFO Services, not Capital.

 

I sense the filthy, slimy hand of HFO/TR in getting M&S to write this letter. How convenient... does this kind of activity (getting the OC to send a convenient letter) ring any bells, VJ?

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Jagstar looking in on this, are you a spy?

 

Edit: to clarify - I'm always suspicious of people who log on at the end of office hours and only look at a single thread... especially when they have been registered for a while but have never posted.

 

Jagstar may be innocent, but I won't let that stop me being paranoid!

 

Edit: Jagstar logged on at 16.57, logged off at 17.35 and ONLY looked at this thread. Think that must be your case worker Mel... wonder what type of car Alice T drives? Didn't I see somewhere on the forum he's a bit of a car buff?

Edited by DonkeyB
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Mel has already had a letter from M&S saying it was sold on that date but to HFO Services, not Capital.

 

I sense the filthy, slimy hand of HFO/TR in getting M&S to write this letter. How convenient... does this kind of activity (getting the OC to send a convenient letter) ring any bells, VJ?

 

Hence why I think me and Mel should be piggybacking our claims to a certain extent... I use TR's WS and disclosure and mel use mine... simply to prove the contradictions etc

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Actually Mel, I think HFO would know EXACTLY who you are by now... David to their Goliath... but it's always worth being on the lookout for DCA spies! They break forum rules by not identifying themselves and the mods have ways of dealing with it ;)

Edited by DonkeyB
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Indeed. The new letter to Mel from M&S simply reinforces the fact that the NoA was inaccurate regarding the date of assignment.

 

I believe that proving inaccuracies in their documents which they have stated in a WS are true brings the veracity of ALL their documents into question.

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what is likely to happen now then?... if they appeal, there will be another hearing correct??... so will it be going over the paperwork ive already basically got, they will have a letter from m and s, and probably my whole thread off here lol..

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