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melmumof3

HFO CAPITAL/services/turnbull CCJ

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Thanks BA. I have something of great interest that I have just PM'd you. They won't like it. Not one little bit.

 

All I can say in these cases if the hearing is unfair and the points have been ignored then appeal. I think some judges (not all but some) just want a quick in and out of their court room and so dispense cases without examining the evidence and taking the trouble to appraise themselves of the CCA and all its workings. It's easy to get downhearted but if you appeal they will start getting a rap over their own knuckles higher up the legal chain. Keep up the pressure the pendulum will swing back towards the consumer.

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Like they have got bitten today by Tonyc.

 

And thats just the start.

yes they did,nt get away with it today.


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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Mel

 

You have to fight this with added support - don't give up


At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Things are in motion...


“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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Hi all

 

havent been on here for a while. Been in same home nearly 18 yrs, small 2 bed with 3 kids. we have done our best dividing a room but smallest is 5 ft x 8 ft which for a 14 yr old is ridiculous. Outgrown well and truly :(.

im with the one account, ive just rang them to see if we could maybe look to moving property. im not looking at borrowing any more, we looking at moving to a cheaper area but does boast a bigger property for the money. currently weve a mortgage of 79k, and the house is valued at 130-135k atm. so all good i guess. one account will not entertain me was his words as ive a CCJ on the property, acquired about 3-4 yrs ago from HFO services :/.... so now im wondering what my next thing is to do, do i go see a financial advisor (my friend told me not to bother as cant trust them) and im thinking if we dont increase the mortgage we will be paying far more elsewhere for same amount, so if we want to move we either pay more because of debt probs or sell and rent and pay even more :(

Ive a ccj but ive a few credit card bills which are on token payments, the ccj debt of about 4k is the only attachment to our house

 

What a mess

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A CCJ on the property? I'm sure he meant on you. CCJ's are attached to people. CO's are attached to properties.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi all

Been a very long time since I posted anything ... Sorry

I had a CCJ placed against my home a good few yrs ago.

 

 

I originally won my case but then they appealed and won a CCJ order.

 

Some yrs ago, Turnbull Rutherford contacted me asking if i could satisfy the CCJ and they would reduce the figure.

 

 

I didn't believe them and have paid no money whatsoever.

 

 

The CCJ is £4500 and TR said interest is added at 8% per annum I believe ( again I don't think interest can be added??)

 

So I'm asking if I was to sell my property this automatically gets paid to TR doesn't it or whoever HFO services/ capital whoever they are now

( I also remember they may have lost their licence)

 

Before I put house on market I wonder if it's possible to contact them and offer a payment to satisfy??

 

Can anyone guide me what I should do???

 

 

It's been on property about 5 yrs approx I think ( gosh time flies!)

 

Thanks in advance

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Also not looking to repurchase another house as can't get another mortgage, well not one with normal interest rates anyway! ( assumingly)

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I think it's just a CCJ a charging order I believe they can force you to sell home?? Is that right??

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Just read what a charging order is... DEFINATELY don't have a charging order

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If there’s no CO, you can sell without interference.

 

HFO Services has sold its portfolio to Link. I’m surprised you haven’t heard from them!


“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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If there’s no CO, you can sell without interference.

 

HFO Services has sold its portfolio to Link. I’m surprised you haven’t heard from them!

 

Hiya DB hope you're well

 

Not heard anything at all for many years.

 

I think it was A CCJ I've not paid any money at all towards the debt since they won appeal. How would I find out if it's a CO??

I've done a credit file search a few yrs back and I'm sure it said I have a CCJ to HFO

 

So if I decide to sell they wouldn't get the balance from my equity in home??

I would be satisfying the debt but renegotiate the settlement

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All good, thanks, Mel.

 

You can check if there’s a CO or a restriction for about £3 by downloading your deeds from the Land Registry web site.

 

If nobody is asking about the debt, and there’s no CO, I would sit tight. They’ll struggle to enforce if they leave it for longer than six years since judgment.


“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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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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