HFC / Restons / IoD Credit Card

[DarrellD]

Hi

 

I have an ongoing court action pending following default on an Institute of Directors Gold Visa Card.

 

I was a director of a company that went into administrator in February 2009 and was of the understanding that this card was a business liability.

 

I've now engaged professional representation. No credit agreement has been presented etc - as with several other posts, there is a back page with Beneficials 'Your prority application' signed at the bottom by me in 2002.

 

Question - has anyone already defended this exact example - IoD HFC card / Restons solicitors. It would seem that this has been tested as in the middle of last year the IoD website started warning that this card should not be used for business purposes and has since withdrawn the card altogether.

 

The card was presented and accepted as a Business Credit Card. Dormant for 3 years. Restons have not formed any sort of evidence or case, but that doesnt seem to worry the Couty Court Judge much.

 

Many Thanks

[humbleman]

do you still have the original mailer that came with the application form

[DarrellD]

Hi, no unfortunatly not. Have now lost interest in seeking a just outcome.

[humbleman]

Hi, no unfortunatly not. Have now lost interest in seeking a just outcome.

 

have they supplied you with terms and conditions

[DarrellD]

Hello again.

 

No, not only did they not supply Terms and conditions, the first hearing was adjourned to give them 2 weeks to fabricate (reconstitute) some as their council pleaded that it was not posible for them to do so (supply originals or similar). After they did not comply with the order to invent some, I applied for the case to be thrown out - which the judge refused to do on the grounds that doing do would be unfair to HFC Bank and gave them some more time to invent some. Two unrelated and inconsistent versions of credit agreements were submitted and the judge felt that this was sufficient to demonstrate that they had made some effort to reconstitute some and this was as good as having some, in his opinion and thats all that matters.

 

Complete farce, and it gets worse. They win without presenting a case, I pay in full on the day of receiving the actual amount on the order and thery still managed to get the court to agree to issue an order so that the registry office issue a restriction on my property (which I have of course disputed)

 

Any action that I have taken has had no effect on the outcome which was predetermined and completly predictable.

 

As I say, I've lost interest in pursuing a just outcome and now find myself just one more pursecution from a violent rampage. Banks and now Judges.