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Gemini & HFC (881.47)
Good afternoon 
, I am feeling a lot better today, possibly bacause of the positive action I have been taking, not only in regard to my debts, though probably primarily so.
Now to my HFC problem which would seem, on the face of it, a pretty straightforward case of, "I owe the money". I paid some back but, because I did not keep a record, I have no idea of exactly just how much. The paper trial I have starts at the begining of January 2007 with a letter from HFC asking for full and final settlement within 7 days, or their Litigation Department would be "commencing legal proceedings or instructing an external DCA".
As it happens, and I think this may prove important, I had sent HFC a declaration of my incoming and outgoing which demonstrated my inability to keep to the agreed repayments some months prior to the above action. A letter explaining why and offering an alternative, but substantially reduced monthly repayment, and the said declaration were studiously ignored.
As soon as I stopped the DD, which I had told them I would HAVE to, and the account went into arrears, they passed the debt to Lewis Debt Recovery. They sent a Final Demand dated 3rd of March 2007 and another on the 27th ( I had failed to notice at that time, that the final demands were for 2 seperate amounts). LDR were so transparently stupid I got rid of them with one well worded letter.
The rest of 2007 went as follows..... In March I am informed by 1st Credit (Finance), that they have been assigned the full outstanding balance, and they want it NOW. There was the usual opening barrage of threats with, interestingly, this paragraph tacked on at the end as though it had just ocurred to them that I might question their right to demand this money.
"In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system. Send your request, along with the administration fee of 5.00GBP and a sae to the above address"
:flypig:
Oh that I knew then what I know now!!!
Nothing much is heard from them until 14th September 2007, when I receive an identical letter to the one I got in March except it has a different ref number and the amount is, wait for it, 14.63GBP greater!! It is only after looking at all the other correspondence relating to HFC that I now see I seem to owe two seperate amounts on two seperate a/cs. I have now seperated the two sets of letters and will have to have 2 threads for HFC. This one for the 881.47, and another for the 896.10. Is that OK?
Connaught Collections UK Ltd., and Mackenzie hall have both been threatening on both a/cs at various times in between. I wrote letters to them both, expressing my confusion and so far, in regards to the 881.47GBP a/c I had the "Doorstep" letter on 17th of Feb this year, which I now know how to deal with and will do so forthwith. (I have a form 6.1 relating to this a/c which I think means I am a bankrupt. It is dated 11th November 2008).
That is how things stand at present with a/c 881.47
, I am feeling a lot better today, possibly bacause of the positive action I have been taking, not only in regard to my debts, though probably primarily so.Now to my HFC problem which would seem, on the face of it, a pretty straightforward case of, "I owe the money". I paid some back but, because I did not keep a record, I have no idea of exactly just how much. The paper trial I have starts at the begining of January 2007 with a letter from HFC asking for full and final settlement within 7 days, or their Litigation Department would be "commencing legal proceedings or instructing an external DCA".
As it happens, and I think this may prove important, I had sent HFC a declaration of my incoming and outgoing which demonstrated my inability to keep to the agreed repayments some months prior to the above action. A letter explaining why and offering an alternative, but substantially reduced monthly repayment, and the said declaration were studiously ignored.
As soon as I stopped the DD, which I had told them I would HAVE to, and the account went into arrears, they passed the debt to Lewis Debt Recovery. They sent a Final Demand dated 3rd of March 2007 and another on the 27th ( I had failed to notice at that time, that the final demands were for 2 seperate amounts). LDR were so transparently stupid I got rid of them with one well worded letter.
The rest of 2007 went as follows..... In March I am informed by 1st Credit (Finance), that they have been assigned the full outstanding balance, and they want it NOW. There was the usual opening barrage of threats with, interestingly, this paragraph tacked on at the end as though it had just ocurred to them that I might question their right to demand this money.
"In accordance with the Data Protection Act 1998 we will comply with any request for a copy of the Personal Information about you that is held on our computer system. Send your request, along with the administration fee of 5.00GBP and a sae to the above address"
:flypig:
Oh that I knew then what I know now!!!
Nothing much is heard from them until 14th September 2007, when I receive an identical letter to the one I got in March except it has a different ref number and the amount is, wait for it, 14.63GBP greater!! It is only after looking at all the other correspondence relating to HFC that I now see I seem to owe two seperate amounts on two seperate a/cs. I have now seperated the two sets of letters and will have to have 2 threads for HFC. This one for the 881.47, and another for the 896.10. Is that OK?
Connaught Collections UK Ltd., and Mackenzie hall have both been threatening on both a/cs at various times in between. I wrote letters to them both, expressing my confusion and so far, in regards to the 881.47GBP a/c I had the "Doorstep" letter on 17th of Feb this year, which I now know how to deal with and will do so forthwith. (I have a form 6.1 relating to this a/c which I think means I am a bankrupt. It is dated 11th November 2008).
That is how things stand at present with a/c 881.47
, but at the time I had no idea what a credit card was, so I can only surmise that it was because I had a good credit rating that I got so many other CCs!!! 
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