Have had exactly the same problem, alleged debt statute barred more than 2 years, and yet I am getting ,phone calls and letters demanding payment. they even admitted themselves that it was barred a week ago, said they would remove my telephone number etc, and yet I received yet another call this morning! Have now reported them to the Financial Ombudsman.

Can anyone out there help me please? having a nightmare !! Planning officer turned up unannounced at my property on 20 Feb this year- builders started work on extension on 15 Jan, but due to weather way behind schedule. Officer told builders that there was no planning permission or application in place, no building regs had ever been applied for, and that they were to down tools , leave the site immediately, and that he would be taking both the owner ( me!) and them to court. I knew nothing of this until the following day as had gone to a funeral. I have all documentation, full planning permission, plus building regs approval dating back to 2001.I also have in my posession correspondence from the same planning officer, dated October 2009 enquiring as to when the extension would be completed! I phoned the head of dept and complained, and duly arranged a meeting between the 3 of us for the following week.The man's attitude was unbeleivably rude, bullying and unhelpful- so much so that I fully expected my builder to 'walk' I phoned and complained again. I lost 2 weeks on the job due to all of this, and then on 20 March found same planning officer sat outside my property in his car peering through the back gates. Told builder , 1 hour present the following 2 days and not seen him since. Now having to pursue builder through Trading Standards, his own liabilty insurance and the courts.Work completed declared below standard ( WHICH i DO NOT , AND NEVER HAVE DISPUTED) but I do feel that the planning officer was more than contributory to all the problems, and quite frankly should have got his facts straight in the first place.In addition to all this he swore blue blind that I only had permission for a 1 storey extension ( it clearly states 2 on all paperwork) , but he would 'do me a favour' and alter it to comply! I want to go for compensation , but have heard somewhere that I would be better off going for 'days lost' on the project due to his actions. Also have no idea how much to ask for! Please, any suggestions very gratefully received, thanks in advance. Incidentally work did commence, and was approved, in 2001, with several visits then from the ( different, and very pleasant) planning officer!

will let you all know how I get on, many thanks for your help everyone!

just says HFO. Will have to contact them tomorrow

no, I,d heard nothing for years, the default disappeared from my credit report in December last year, and then in February the ,phone calls started. after 5 days, during which time both I and my staff received 15 ,phone calls, plus 2 personal messages left on a business answerphone I got the number changed. then received a letter- what appears to be the usual one reminder notice of assignment. have not responded at all as been waiting for results of SAR request from original ( Barclaycard)

yes I sent HFO a CCA request in 2008, to which they have still not complied.

thank you so much! that,s taken a weight off my mind!

so therefore can I take it as being SB and put the onus on them to prove otherwise?

Thanks for your quick response! I received the SAR report yesterday, and only on ploughing through it did I find this payment allocated to the account in November 2005, although no contact had been made - by their own admission. since the loan was settled literally a few weeks prior to this I think I,m going to have contact them tomorrow in order to check the amounts, and the cc provider to find out where the payment came from, and that should be interesting as by the I had changed my bank! we,ll see. but re HFO they are using the original default date, so SB or not?

Help! where do I stand on this one please? being persecuted by HFO with numerous ,phone calls(in work) so got number changed. now getting threatening letters on a cc debt which became SB in December 2010. however having sent a SAR to the card provider there is a payment for £7.15 supposedly made in November 2005. the only thing I can think of ( because I was in no position to pay them anything at the time) was that any overpayment left over from a loan with the same company which was settled at the end of Sept/beginning of October 2005 was subsequently allocated to the credid card debt outstanding. re HFO it was acquired by them supposedly in Nov 2007, although the default date that was showing on my credit report was Dec 2004, and came off in Dec 2010. also I sent them a CPA request back in 2007 which they still haven,t fulfilled. is this SB or not please? all statements on SAR show quite clearly that no contact had been made throughout this time., but am reluctant to tell HFO where to go without being 100% certain of my facts- HELP!!

I,ve received this through today as well- anyone out there got any further info? I do realise theat checkmyfile are part of Expedia, but there must be some foundation for this email?

is it just the flight portion of the holiday that you,ve already paid for with a deposit only on the accomodation? and have flight tickets already been issued to you?

only 1 kids club and no entertainment- have to agree re 'exclusive uk'- remember Thos Cook are not uk owned!If the property hads been 'exclusive' to them and had not been entirely UK market different ballgame., and believe me ( I am a travel agent!) the tour operators will fob you off as long as they can get away with it

Hello- poor you! contact Trading Standards re misrepresentation of property and take them to the small claims court for compensatiion. The majority of tour operators will settle prior to any court action- they don,t want the publicity! normally just the mention of court action does the trick! incidentally your local travel agent that you booked through is in a 'piggy in the middle'situation- they also can only go by what,s in the brochure and are acting as agents for the tour operator, so try not to get too mad at them! hope this helps.

Right- finally appear to be getting somewhere now, but need some help with forms etc!! I spoke to Trading Standards this morning re my complaint, and they,ve totally agreed with me and are passing it on to OFT to investigate fitness to hold a consumer credit licence. Secondly been advised by solicitor to issue a counterclaim under the Civil Procedures Rules, with a stay on execution of Interim charging order and CCJ. If they don,t produce the correct paperwork within a stipulated time frame the case would be struck out as the jeopardised my defence by noncompliance. BUT what forms do I need - is it both a N244 AND N150, and how do I request a stay of execution - HELP!!

bump

I,ve uploaded the request for credit card form here, would appreciate your comments please!

I,ve taken all paperwork to a solicitor specialising in credit law today- this one is simply beyond me, and time is not on my side!!I won against Lowells ,CL finance, Brian Carter, hfo etc- just don,t know what,s gone wrong this time. Will keep you posted.

bump- can anyone out there help me please!!

bump

I,ve already pm,d you!

No they didn,t -I went to court. They turned up with 2 of them- I felt totally intimidated, and everything they were saying the judge agreed with- even on occasion putting words into their mouths.I really don,t know what I can do next

Yes I did, and CCA.d Cabots in May 2007, but they were awarded the case in December 2008 in spite of not supplyying the correct information, and the judge today refused me leave to appeal

Urgent help please! old Sainsbury,s card assigned to Cabot in 2007- but had already come via 3 other DCA,s- card terminated in April 2004.Since 2007 I have sent repeated requests for info under CCA and CPR 31.16- all I received was a 'card request form' - largely illegible containing no credit limet, no minimum payment and no APR DATED 1998.Statements were produced- but only going back as far as Jan 2004, with blank statements from May 2004 up until Jun 2007 - when Cabot acquired the debt. Never have received a default notice of any kind, nor deeds of assignment- first I,d ever heard of Cabot was when I received court papers fro Northampton in May 2007Had a hearing in Dec 2008- Cabot awarded a CCJ, with costs plus over £800 in interest. I,ve appealed twice- by letter and today with an oral hearing , and both times it has been rejected. In the meantime Cabot have taken an interim charge against my property, with a final hearing due next week. Is there anything else I can do- other than complaining to the Ministry of Justice ( which I,m going to do anyway!) I simply cannot believe that they have got away with this! I,ve also diputed the amount from the outset. I also have an ongoing complaint with the Information Commision, OFT and Trading Standards re the above

They have to offer an alternative hotel of a similar or higher standard- do they have their own ATOL licence or is everything just booked individually?Whichever way it,s misrepresentation, so threaten them with the small claims court. I,m a travel agent!