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melmumof3

HFO CAPITAL/services/turnbull CCJ

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Yes fill in the xxxs and dates, attach your two exhibits, sign and date it, send it to the court by Special Delivery, dont bother sending a copy to the other side.

 

Try to read and understand what it says, dont be afraid to ask questions about it on here, if you dont quite understand something, we are all here to help each other.

 

I think it will be too big to go on MCOL, only 8000 characters are allowed, and anyway you cant put attachments on there

 

GOOD LUCK


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Yes fill in the xxxs and dates, attach your two exhibits, sign and date it, send it to the court by Special Delivery, dont bother sending a copy to the other side.

 

Try to read and understand what it says, dont be afraid to ask questions about it on here, if you dont quite understand something, we are all here to help each other.

 

I think it will be too big to go on MCOL, only 8000 characters are allowed, and anyway you cant put attachments on there

 

GOOD LUCK

ok got ya, will do and will read through it, and i will defo ask if i dont get something. thanks so much youve lifted a ton weight from me

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Melmum

 

You will have to edit the defence. There is a limit of 8000 characters if you file electronically. The defence as written has over 13000 characters.


Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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hello all, can i just have a quick piece of advice cake please .....

the 2 exibits im to send. the letter i sent HFO requesting CCA, and the first time HFO sent 'application form'... HFO have sent me photocopies of the letters ive sent them in past,can i send the copy of the CCA request? as i dont seem to have the copy myself(derrrrr i know). also the first application form and cover letter, should i photocopy it first before isend the only copy i have?????

thankyou regards mel

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If your having a problem with the exhibits, don't send them, just delete the lines "exhibit attached marked A", and the same with B.

 

Its not that important...what is important is that you get this to the court in time!!


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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thanks have done that andjust sent special delivery. thankyou for the help

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Hi Melmum,

 

Firstly, CALM down, there is no point getting stressed.

 

Second, you are in the hands of one of the best CAG members, Creditcardmug, he is a fantastic guy and has seen off more DCA's than he's had hot dinner's.

 

My advise, rather than just posting help, it to read as many threads as possible, esp those concerning HFO (just type HFO) into the search area.

 

Having a quick look through your thread you have these idiots on more than one cock up.

 

NO default notice (or flawed)

Their POC stating they have given you time to pay etc etc, but they issued Court papers just days after 'BUYING' the debt.

Wrong figures

No valid CCA

 

 

Read and absord as much info as you can reqarding those points as although someone can write your defence, you will need to understand it.

 

You may also want to send the SAR request to the OC, I suggest this one

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html#post1198765

 

This will give you ALL information on the account, including the balance when it was 'SOLD'

 

Second, I would check my credit rating through one of the agencies. This will show if HFO was entering details of your account prior to 'buying' it.

 

This could cause them huge problems if they were.

 

We all know that these companies don't really buy and sell these debts and thanks to PT, UK26, Toulse etc, we will soon prove this.

 

Keep your head up

 

 

Jogs

hi

well ive just got round to checking credit report, and well well well, HFO have entered a default against me on te 15th march 09. also the figure on this is £2,722, but my total amount on court claim letter is over 4k?????:mad:

and also another DCA Marlin have also put a default in on the 29th march, i have not heard a dickiebird from them in months, and DEFINATELY havent received a default noticed, they have gona as far as sending my sainsbo's app form and thats it.

what happens now then peeps?????:confused:

ive printed it all off, did i need to do this????

 

regards mel

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As far as getting defaults off your credit file, this is a whole different ball game to this court claim...it can be very difficult..there are a number of threads on here about it, suggest you have a look round the forums, use the search facility


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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hello ppl,

today ive receied allocation questionnaire from turnbull. they've sent statements photocopied, notice of assignment which i believe was from M&S as i did ring M&S at the time, and they said they hadnt sent me any letters since whenever date they told me. ive yet to submit my allocation questionnaire. im just looking for a bit of moral support today, that im doing all the right things etc. hfo have said my claim is generic...is it??

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hi all,

ive received paperwork from turnbull regarding my court papers, they have said the made an error in their online claim, and have changed the claimant name from hfo services to hfo capital... wouldnt they have known there claimants name in the first place ????

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Have they given any details of HFO Capital? Like an address?

 

Did you get a Notice of Assignment from HFO Services or HFO Capital?


Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Have they given any details of HFO Capital? Like an address?

 

Did you get a Notice of Assignment from HFO Services or HFO Capital?

hi ive been through all my paperwork. some of it says hfo services ltd, and i did have a letter from turnbull a few months ago which states hfo capital ltd. i have a default notice served under the CCA act 1974 with the heading hfo services. on that it states original lender, date of assignment current creditor as hfo capital ltd, and collection agents as hfo services ltd. i guess this has cleared it up now. they sent letter to say they are changing name of claimant, and that they are willing to negotiate an amicable settlement. tthe are seeking leave to apply for substitution of hfo services to hfo capital as the claimant.

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Yes but did they state the address of HFO Capital either on the NOA or one the amended POC?


Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I should add that both HFO Services & Turnbull have the same SOLE director. In other words, one person runs both companies and so you can't have either the solicitors or the agents blaming each other for making the same mistake. They are all one and the same. More bovine excrament from Wimbledon!


Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Apparently they are no longer in Wimbledon (the postie told me) so I suspect they are only operating from Weybridge now with 'outsourced services' in India and athe Phillippines (I suspect the former to be the most active, the latter are a newer lot).

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just a quick update.. or not so..!

havent heard anything at all since the letter from court saying they need to change HFO name. Is this normal to be waiting this long to get a court date??? ive not had any more letters either from HFO......i was going to try ring the court, but didnt know who to call etc..

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You could call the court office and give them the case number. They should be able to give you an update.


Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I wouldnt bother ringing HFO, the court is the best bet here.

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just rang, the lady on phone did say something about 'order made without hearing???' which she then said 'i would cross your fingers love'? confused

i asked her what it meant, and she went to speak to someone else, she said the claim hadnt be recognised, and that she is going to put it to the judge as it isnt right....very confused, has it been 'forgot about' by the court?

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Sounds like HFO may have not filed THEIR stuff in time. If the claim hasn't been recognised and goes before a Judge then there is a problem with the claimant, rather than yourself. As you have filed an aq ring the court back and remind them of it.

 

I think that HFO have been rumbled by the courts and are giving up.

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ive not heard from HFO either since july, this is when they asked court to change the claimant name.

can i ask what i should ring court back and say ive filed, it has a link which brings up a book about small claims procedure....?

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Just ask them have they put your AQ with the case, it may be sitting in an intray separate (it has been known...)

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just rang the court back, they said my AQ was filed 11th june, and is with my case. they have referred back to judge, and i am ringing on monday.

this is all new to me, sorry dont always understand the jargon lol...

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Let's hope it's good news.


“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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