New HFO woes

neilj9570

Gotch, gotcha :0) I will be able to track the template down tonight and have it drafted and sent recorded tomorrow. They will have it by Tuesday.

How long do these lot usually lean on people before pressing for a county cap with the courts? Do you think they have mentioned Northampton Court because I have a CCJ issued by them back in the day and its showing on my credit report? A case of 'well you have one (a CCJ) from there already, this is the court that gave you one last time, they will again you naughty boy'.

HFO have only been writing to me for about 2-3 weeks, tops.

neilj9570

Thnk you Barbiedoll. xx Saved me looking. Nice one. You guys are so kind.

fermi

neilj9570 wrote: »

Do you think they have mentioned Northampton Court because I have a CCJ issued by them back in the day and its showing on my credit report?

No.

It's because Northampton has the county court bulk claim centre. In other words, most county court claims from DCAs, mainline creditors, small claims entered online etc go through there for their initial issue. It's got nothing to do with your previous CCJ.

How long until they actually go to court? Who knows..... probably much longer than they would like you to believe though... if ever...

fermi

CCA request should you need that in addition to the basic "prove it" letter.

http://www.nationaldebtline.co.uk/england_wales/page.php?page=getting_a_copy_of_your_credit_agreement_and_account_details

neilj9570

Excellent fermi. I really appreciate your help my friend :0) You have all made me feel a lot better. I will send these to HFO tomorrow.

neilj9570

Guys, I'm signing off now. I would like to thank all who have helped and advised me. If anyone would like to have a winge about HFO with me, you can compare stories with me at [EMAIL="neilj9570@yahoo.co.uk"]neilj9570@yahoo.co.uk[/EMAIL]

Thanks again, Neil.

neilj9570

Good morning all,

Many thanks for all who helped yesterday. I have sent request of Credit Agreement and 'Prove it' letter to HFO.

But...... can you believe this????

Going through their correspondence I found, at the back of an Experian report they sent me, AN AERIAL VIEW of my house!!!!!!!!

This is such a blatant 'we know where you live' threat!! I can't believe it!

If I owned this property rather than rent it I'd have been beside my self with worry. Especially as it has current market values etc also detailed on the sheet.

Can they get away with this??

Tixy

[STRIKE]
What is the current situation with the debt? Have HFO written to you asking for payment? have you responded at all yet? if you have written to them what letters have you sent?
[/STRIKE]

Have you sent the prove it letter neil?

Thats the first course of action. It doesn't admit your liability for the debt but does mean they need to provide proof that the debt exists and they have a right to collect it.

fermi

Hi.

I've merged this with your previous thread, as otherwise people will be going over the same ground again and won't see the background already posted.

neilj9570

Sorry fermi, not used to these. lol. Yeah, sent prove it letter today, thanks.