Hi i would like to thank those who sent replies & advice, HFC went for a charging order, which is at the moment in the process of being transferred to my local court for enforcement, but in the meantime i have received a letter stating they have up-held my ppi claim & this will clear all of this debt! I am extremly pleased as the amount is what I was expecting! Although what a complete waste of time & money taking it all to court for the ccj & charging order, beggars belief xxx Once again Thank you xx

Hi Sorry really trying to up load the letters but to no avail?? think the files maybe to big??? just taking ages to up load??? Sorry im usually ok with this sort of thing Will keep trying a really neeed the help Does anyone know how long it will be before I hear anything either about the enforcement or my N245 application really appriciate it xx

Hi Thanks for your interest, sorry I dont mean to come across as dumb but do i scan the information you want to see as an attachment? I will have to forward this tommorrow. I feel I do have a strong case for the fefund of ppi, as I was working sub-contracted at the time, they also advise me i couldnt have the loan without the ppi & keeped going 'away' to talk to the manager! then when I was diagnosed with cancer & went to claim was informed I wasnt covered as I was self-employed!! Took them several months & letters to actually stop taking the money for insurance! yes the amount I am owed in ppi will cover the outstanding debt. xx

Hi Thank you for your reply The link is very interesting & I have previously been on this site & ones like it & thats what worries me as its more than likely that they will send the baliffs to cease goods! can I stop this happening? Have I gone about it the right way by sending a N245 form? I have also offered a repayment plan to the creditors, I dont know if this was a correct thing to do, I justed panicked! just dont want the balliffs to come!! Does any one know how the N245 works & how long it should take??? Thank you xx

Hi I need help urgently hope anyone can help? I took out an unsecured (rolling) loan with Hfc in 2000, I got into difficulty in 2007 when i was really ill, account was passed to weightmans who informed me that they had obtained a charging order on my house, (I have never seen proof of this & stupidly never asked) to cut a long story short, I have never heard from HFC themselves since Nov 2006 & weightmans since sept 2009 ( i stll have the letter, which in it refers to the charging order) I have buried my head in the sand & havent paid any thing on this account since 2007! Like I said I have never heard from HFC until I contacted them in Sept 2012 regarding a PPI claim, when they then started persuing me for payment, the letter stated they had wrote/phoned/text on several occassions which is all lies! Next I received a letter headed Beneficial finance, then they got reestons solicitors involved This all happened within weeks!! but when I wrote asking for more details proof of agreement etc they were I feel purposely slow to response & sending un-readable copies which I had to re-request! The next thing I know they were taking me to court, I did reply but think it may have been a litle late & before I knew it was granted in their favour due to not replying & wanted full amount forthwith! I can not afford it it amounts to £4400! so I have filed a N245 form, was this the correct thing to do? a couple of days after I received a transfer of proceedngs to kings lyn county court for enforcement, what does this mean? I am so scared the baliffs will come, my husband thinks I paid this off ages ago!!! When weightmans told me previously they had a charging order do you think they were trying to scare me?? Can Hfc take me to court twice for the same debt if they already had a charging order? If they didnt have a charging order what are the chance they will go for one this time, I would rather have this than the baliffs come! How much time do I have & how does the N245 work? I so worried, I keep searching the internet for answers & just get myself more anxiuos!!! so sorry if it all seems so messed up & rambled!!! xxxxxx

Hi Im In Desparate Help With A Order For Possession Dont Know How To Start A New Thread. Please Help

Thanks For That Parkvale Just Gettin A Little Impatient!! But Also Feel Really Bad As Some People Still Have Ages To Wait Until They See ThERE Money! I Should Be Grateful My Situation Went Smoothly I Wish You All The Best With Your Claim Xxx

THANKS jonni2bad vbmenu_register("postmenu_818773", true); THERE OFFER IN FULL WAS GIVEN AFTER ABOUT 8 WEEKS OF CORRESPONDING & FOR THE FULL AMOUNT I ASKED FOR, BUT BEFORE I EVEN HAD CHANCE WITH THE COURT. THANKS FOR YOUR ADVICE I CAN ALEAST STOP PANICKING! I SO NEED THIS MONEY, ALOT OF THE CHARGES OCCURED WHEN I WAS REALLY ILL, THEY JUST SPIRALLED OUT OF CONTROL & NOBODY FROM THE BANK GAVE A STUFF I WAS ILL! THIS & NOT BEING ABLE TO WORK LEFT ME IN FINANCIAL DIFFICULTIES! CAN ANYBODY ADVISE MY ON WHY THEY ARE HOLDING ONTO THE MONEY FOR 10 DAYS IS THIS NORMAL PROCEDURE? THANKS

FIRSTLY I WOULD LIKE TO SAY HELLO! I HAVE READ THE FORUM FOR MONTHS & IT HAS HELPED ME LOTS, EVEN GAVE ME THE COURAGE TO CONTACT MY OWN BANK TO RECLAIM BACK CHARGES. I HAVE RECENTLY CLAIMED BACK £3513 FROM 'NATWEST' IT ALL WENT VERY EASY, EASIER THAN I EXPECTED!! I RECIEVED A OFFER LETTER FOR THE FULL ASKING AMOUNT A FORTNIGHT AGO, STATING THAT IT WOULD BE PAID STRAIGHT INTO MY ACCOUNT, WHICH I THOUGHT HAD BEEN CLOSED SINCE SEPTEMBER 2006. I WOULD HAVE PREFERED A CHEQUE BUT AFTER REQUESTING THIS THEY TOLD ME BECAUSE MY ACCOUNT WAS STILL OPEN IT WOULD HAVE TO BE PAID INTO THIS ACCOUNT, THE MONEY HAD TO STAY IN THIS ACCOUNT FOR 10 DAYS, :? THEN THEY WOULD CLOSE THE ACCOUNT & FORWARD ME A CHEQUE. I WENT INTO MY LOCAL BRANCH YESTERDAY TO SEE WHAT WAS HAPPENING, THE ASSISTANT TOLD ME THAT THE MONEY HAD BEEN CREDITTED TO MY ACCOUNT ON THE 4TH MAY, I ASKED IF I COULD WITHDRAW IT & SHE SAID I COULDNT BECAUSE THERE WAS A MARKER ON MY ACCOUNT, I PHONED THE NUMBER ON THE OFFER LATER & WAS TOLD THAT IT WAS COMPANY POLICY BECAUSE OF THE AMOUNT THAT IT MUST STAY IN THE ACCOUNT FOR 10 WORKING DAYS THEN THEY WILL POST THE CHEQUE OUT, THEN I WILL HAVE TO WAIT FOR IT TO ARRIVE & CLEAR , IN ALL SINCE THE OFFER IT WILL BE OVER A MONTH UNTIL I CAN GET MY HANDS ON THE CASH. I KNOW I SHOULD BE GRATEFUL THAT I HAVE AT LEAST GOT SOMETHING BACK AT ALL, ITS JUST VERY FRUSTRATING THAT I HAVE TO WAIT SO LONG! HAS ANYBODY ELSE HAD SIMILAR EXPERIENCE & WHY DOES THE MONEY HAVE TO REMAIN IN MY ACCOUNT FOR 10 DAYS, THEY ALSO ARE SAYING THAT AFTER THE 10 DAYS I CANT EVEN GO & WITHDRAW IT DIRECTLY FROM MY LOCAL BRANCH!!! ARE THEY IN THERE RIGHTS TO DO THIS? I AM ALSO CONSERNED AS I HAVE AN OUTSTANDING DEBT FOR A 'BANK OF SCOTLAND' CREDIT CARD WHICH I PAY AN AGREED AMOUNT ON A REGULAR BASIS, AS 'NATWEST' IS PART OF THE 'ROYAL BANK OF SCOTLAND' CAN THEY USE THIS MONEY TO PAY THIS DEBT WITHOUT MY PERMISSION???:? THANKS XX