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1st credit help

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  • #31
    Re: 1st credit help

    it gets better this supposed to be statement from HFC check he payments on the right.
    i think this is an old connaught statement now pretending to be an HFC statement
    Attached Files

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    • #32
      Re: 1st credit help

      Inclined to agree on the validity of that statement exactly the same type face as 1st Credit/ Connaught.

      nem
      The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

      Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

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      Animo et fide.

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      • #33
        Re: 1st credit help

        Nem can you take a look at the agreement ...no loan was ever 0% for 10 years so it must be fraud. They have definstly copied and pasted that signature

        Comment


        • #34
          Re: 1st credit help

          What page is the agreement on Joe??

          nem
          The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

          Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

          If you receive messages from anyone offering advice for a fee please report it to the site team.


          Animo et fide.

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          • #35
            Re: 1st credit help

            Originally posted by nemesis45 View Post
            What page is the agreement on Joe??

            nem
            just above nem

            - - - Updated - - -

            Originally posted by joedempsey View Post
            try this scanned copy see if its better
            I don't know what do do with this can't believe they would take a CCA request its unreal

            - - - Updated - - -

            Sorry nem post 30

            Comment


            • #36
              Re: 1st credit help

              Originally posted by joedempsey View Post
              Nem can you take a look at the agreement ...no loan was ever 0% for 10 years so it must be fraud. They have definstly copied and pasted that signature
              I'll tell you what I see Joe.

              1. Two sections side by side:
              2. (a) for personal use: 00 (b) for repayment of existing accounts 4,800.
              3. Repayment (a) 00 (b) 40.00 pcm.
              4. If this is all that has been provided it seems short on T's & C's.
              5. Signature panel looks ok. Please clarify where you believe it is faulty.

              nem
              The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

              Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

              If you receive messages from anyone offering advice for a fee please report it to the site team.


              Animo et fide.

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              • #37
                Re: 1st credit help

                Originally posted by nemesis45 View Post
                I'll tell you what I see Joe.

                1. Two sections side by side:
                2. (a) for personal use: 00 (b) for repayment of existing accounts 4,800.
                3. Repayment (a) 00 (b) 40.00 pcm.
                4. If this is all that has been provided it seems short on T's & C's.
                5. Signature panel looks ok. Please clarify where you believe it is faulty.

                nem
                hi nem thanks for taking a look yes this is all the ts & CSs sent...the agreement says % for 10 years no loan from HFC would be % for 10 years
                and she confirms she didn't take this out in 2005

                Comment


                • #38
                  Re: 1st credit help

                  Originally posted by joedempsey View Post
                  hi nem thanks for taking a look yes this is all the ts & CSs sent...the agreement says % for 10 years no loan from HFC would be % for 10 years
                  and she confirms she didn't take this out in 2005
                  Also there is no account number on the agreement just an application number

                  Comment


                  • #39
                    Re: 1st credit help

                    No it is clear on the " agreement " 4800.00 " repayment of other accounts" @ 40.00 pcm.
                    The Loan " for own use" is the zero section.
                    Confusing is the lack of an APR,:
                    The loan was to repay EXISTING ACCOUNTS were these HFC accounts?
                    Was the actual sum used to pay the existing accounts 4800.00, or was the balance of the existing accounts a lower figure?
                    Interest front loaded?

                    nem

                    - - - Updated - - -

                    Originally posted by joedempsey View Post
                    Also there is no account number on the agreement just an application number
                    Same thing I think on these agreements.
                    nem

                    - - - Updated - - -

                    Originally posted by joedempsey View Post
                    Also there is no account number on the agreement just an application number
                    Same thing I think on these agreements.
                    nem

                    - - - Updated - - -

                    Originally posted by joedempsey View Post
                    Also there is no account number on the agreement just an application number
                    Same thing I think on these agreements.
                    nem
                    The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

                    Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

                    If you receive messages from anyone offering advice for a fee please report it to the site team.


                    Animo et fide.

                    Comment


                    • #40
                      Re: 1st credit help

                      Originally posted by nemesis45 View Post
                      No it is clear on the " agreement " 4800.00 " repayment of other accounts" @ 40.00 pcm.
                      The Loan " for own use" is the zero section.
                      Confusing is the lack of an APR,:
                      The loan was to repay EXISTING ACCOUNTS were these HFC accounts?
                      Was the actual sum used to pay the existing accounts 4800.00, or was the balance of the existing accounts a lower figure?
                      Interest front loaded?

                      nem

                      - - - Updated - - -thanks nem


                      Same thing I think on these agreements.
                      nem

                      - - - Updated - - -


                      Same thing I think on these agreements.
                      nem

                      - - - Updated - - -


                      Same thing I think on these agreements.
                      nem
                      Thanks nem the APR is the bit which is not ringing sense and the 2005 agreement is def a no no.
                      think a SARS request to HFC is on the cards

                      Comment


                      • #41
                        Re: 1st credit help

                        Originally posted by joedempsey View Post
                        Thanks nem the APR is the bit which is not ringing sense and the 2005 agreement is def a no no.
                        think a SARS request to HFC is on the cards
                        Also thanks for your inputI nemesis but I disagree .... Any agreement should show the APR regardless if it's front loaded or monthly....that's why I think it's fake.

                        The statement we know is fake so why after one week they produce a signed agreement?
                        Its funny she signed a Connaght letter around 2007 and suddenly they produce an agreement that's why I am the camp you should never sign anything a DCA is involved in..,..murky world.....


                        Regards. Joe

                        Comment


                        • #42
                          Re: 1st credit help

                          Originally posted by joedempsey View Post
                          try this scanned copy see if its better
                          can anyone help with this agreement some still having a difficult time wondering if its fake.. faults i can see.

                          no prescribed terms (this is just one page)
                          signature looks real but there is 0% APR mentioned and this somehow doesn't seem right.
                          should there be more terms and conditions to satisfy a CCA request?
                          nemesis thinks it could be a front loaded loan but that would still have to show an APR on the agreement.
                          no account number on the agreement just an application number(not sure about that one)
                          normally agreements would have the HFC logo top centre (not 100% on this one either)
                          all the agreements i've seen have the creditors full address above or below the borrowers address.
                          And also you usually the name of the company registered number at the foot of the agreement.

                          can anyone else find any faults in this it doesn't seem right to me...

                          - - - Updated - - -

                          sorry the agreement is on my post 30 page 2 of this thread

                          Comment


                          • #43
                            Re: 1st credit help

                            Originally posted by joedempsey View Post
                            try this scanned copy see if its better
                            HFC did loans for places like land of leather / DFS etc - interest free (due to overegged upfront prices) so it's not beyond the pail it was 0% interest, though over 10 years is a bit bananas.

                            Yours does say though it is for repaying existing accounts - so need to know what existing account those were, maybe the original loan took out in 1995 ?

                            I def think a SAR is in order asking for everything back to 1994/5
                            Common Sense .... if in doubt, use it !

                            “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                            Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                            Comment


                            • #44
                              Re: 1st credit help

                              ahh also looks like they refinanced a bunch of credit cards and offered interest free over 10 years on balances if you didn't want to carry on with the card and interest rate increases.... so could be something like that ?

                              eg
                              I actually took HFC up on this offer. They reduced my debt to 35% of what was owing and then I am repaying it by 120 payments interest free. I signed a new loan agreement with them and they showed the old loan as fully satisfied.
                              Common Sense .... if in doubt, use it !

                              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                              Comment


                              • #45
                                Re: 1st credit help

                                Originally posted by Amethyst View Post
                                HFC did loans for places like land of leather / DFS etc - interest free (due to overegged upfront prices) so it's not beyond the pail it was 0% interest, though over 10 years is a bit bananas.

                                Yours does say though it is for repaying existing accounts - so need to know what existing account those were, maybe the original loan took out in 1995 ?
                                thanks amethyst she thinks its related to the 1995 one but definitely not % apr ...if is a loan would it have to show an apr even if its front loaded.?
                                will this pass a cca request?
                                I def think a SAR is in order asking for everything back to 1994/5
                                Thanks amethyst she thinks its related to the 1995 one but definitely not % apr ...if is a loan would it have to show an apr even if its front loaded.?
                                will this pass a cca request?
                                she doesnt think it looks right.

                                Comment

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