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hfo/turnbull rutherford

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  • #1

    hfo/turnbull rutherford

    Hi just need some advice, I recevied a letter a few months back from hfo stating I owed £1800, they said it was from welcome finance .Did have something back in 2005 with welcome and lost job etc so couldnt make payments . cca'd hfo and they sent me back a one sided document with no terms & conditions (even though these were refered to on document) and what was included on document was illegible. Sent them another letter stating wanted full legible agreement. Have received letter from turnbull rutherford their solicitors statig litigation will begin in 14 days . Just a couple of questions has anyone any suggestions for a letter I can send back to turnbull rutherford? also hfo havent sent me any statements to state how this amount is reached, (have entired an amount recently on my credit file that is £600 lower than the figure they are asking for) .
    is it up to hfo to send me statements of account ( as they are adding interest) and also a notice of assignment or do I need to request these myself?

    sorry bit long winded

    thanx
  • #2
    Re: hfo/turnbull rutherford

    Hi,

    I have had LOTS of experience with HFO.

    I know it's been a little while since you posted this but where are you at right now?

    VJ

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    • #3
      Re: hfo/turnbull rutherford

      To ness82 - did you ever receive anything else from HFO?

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      • #4
        Re: hfo/turnbull rutherford

        has this gone dead hi vj

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        • #5
          Re: hfo/turnbull rutherford

          Hi sorry for lateness , no at the moment I havent received anything else from hfo /turnball rutherford ,sent them a letter disputing debt etc havent heard anything for past few weeks

          Comment

          • #6
            Re: hfo/turnbull rutherford

            thanks will keep an eye on it see if anything developes...i have had notification from THE FOS and Barclay's Bank /goldfish/Morgan Stanley have agreed and wiped the bill clean and prommised to remove all adverse defaults...but this isnt over as i intend to continue my case against HFO due to the fact that it was an illegal default as they had no rights to title of the contract and it has cost my wife 1500 upto now in guilt by association which the ICO AND FSA have published a report stating this should not happen we have written proof from our bank that it did happen and she was refused a consolidation loan because of the adverse credit we are also bringing into the dispute experian as they refused on countless occasions to investigate the claim by HFO and the subject to access request identifies Mr Alisdair as the culprit so we have subject to access Eperian and all data on the audit trail points to Experians negligence and refusal to look deeper thsi is also the email data and we have demanded all e mails concerning the account the FSA and ICO are now saying they will instruct them to supply the e mails...as i have here diane and alisdairs signatures so experian have no excuse ..i will not let this go particularly for the simple reason they asked me to put my wife on the game to pay the bill ggggrrr i wanna see the whites of alisdairs eyes in person...
            patrickq1

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            • #7
              Re: hfo/turnbull rutherford

              Wrong defaults can cost the company that put them there dearly. It can be read as defamation.

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              • #8
                Re: hfo/turnbull rutherford

                just an update still havent heard anything back from turnball/hfo since sent letter will post if i do

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                • #9
                  Re: hfo/turnbull rutherford

                  have heard from turnball rutherford have copied letters below any advice on what i should do next ?

                  http://i816.photobucket.com/albums/z...282/img020.jpg

                  http://i816.photobucket.com/albums/z...282/img021.jpg

                  http://i816.photobucket.com/albums/z...282/img022.jpg

                  http://i816.photobucket.com/albums/z...282/img023.jpg

                  Comment

                  • #10
                    Re: hfo/turnbull rutherford

                    Has is been established whether or not the "agreement" they sent you was enforceable or not?

                    Would it be possible to post it up, having removed all personal details, so that people may give opinions?

                    Cheers
                    UF
                    None of my posts constitute any kind of legal advice. I do not accept any liability whatsoever resulting from anyone reading and/or acting upon the contents of any of my posts. Always seek the advice of a qualified and insured lawyer.

                    I have a first-class LLB (Hons) (law) degree and I continue to research the law for my own pleasure. This does not make me an expert in the law. I make mistakes, just as we all do. My posts are made in good faith, but anyone relying upon the accuracy of my posts does so purely and entirely at their own risk. I do not accept any responsibility whatsoever, for any detriment of whatever type or nature, resulting from any person(s) acting upon the contents of my posts.

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                    • #11
                      Re: hfo/turnbull rutherford

                      Hi
                      yep this is the agreement there are no terms & conditions with it or right to cancel, dont know if enforceable or not!

                      http://i816.photobucket.com/albums/z...282/img004.jpg

                      sorry if bit eligible the original isnt very clear
                      Last edited by ness82; 7th November 2010, 18:16:PM.

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