adc vs HFO??

[adc]

have received a default judgement £3,643.23 - original correspondence sent to former home which was reposessed 2 years ago, company making claim is hfo - never heard of them, i was made bankrupt in 2006, not had any credit or bank accounts since then - help!

[Sapphire]

Re: Received a court claim ?

Hiya adc

I've replied to your pm hun. But to summarise I think you should write to the solicitor advising that you have not received any correspondence from your old address since you moved. Also ask them who HFO are and what the debt is for.
There are people on here that know more about bankruptcy and repossesion than I do and I'm sure that they will pop along in the fullness of time.
Also we will get your post moved and will start a new thread for you.

[adc]

Re: Received a court claim ?

thanks sapphire for advice - have also contacted insolvency service to find out whats going on

[Tools]

adc vs HFO??

Thread created for adc

[Paule]

Re: adc vs HFO??

HFO are a major pain and will try all sorts of underhand tricks to get info
ie using fake courier cards to get you to confirm your name and address etc.
They tend to use electoral registers to guess at peoples addresses.

DONT EVER CALL THEM OR GIVE THEM A CONTACT NUMBER
or you will never here the last from them

Have a read of my threads re HFO in the Debt forums, I will pop a link to them later for you

[Tools]

Re: adc vs HFO??

We have a few threads regarding HFO

Use the search facility above in the navbar or press here >>>Legal Beagles and enter HFO to search

[Paule]

Re: adc vs HFO??

Here are the Links

Legal Beagles

Legal Beagles

There is also an harassment claim that is ongoing re HFO, but the details arent onthe forum

[Emerald]

Re: adc vs HFO??

Ring the court and ask for the original POC, it may just have some dates in it. In any event the debt would have been included in your bankruptcy as you haven't taken any credit since I presume?
You then need to start the process to get the judgement set aside on the grounds that it was a) sent to the wrong address and B) it is a debt included in BR, make a wasted costs claim as well.