Horwich farelly hfc debt problem

[chequebook]

Hi all, just wondering if anyone can help me with a problem i'm having with Horwich Farelly concerning my HFC account i opened with PC world years ago. (about in the ninties)

 

I brought a computer via PC World and fell into arrears some time after,

 

a few years later i decided to get my head out of the sand and face it,

i agreed with them a £5 a month payment and have been doing it for a number of years now.

I wrote to them asking for proof of the debt using the correct letter and it took them 5 months to finally get it from them,

however they did keep me informed and i have still got the letters.

 

They have sent me a copy and asked for full payment, (the risk i was prepaired to take) but alas i cannot pay it.

 

During the time i was awaiting a reply i continued the standing order to them for the token ammount,

I now find that they have now recorded missed payments on my credit file for August and September, can they do this?

I obviously have a record of the payments via my bank statements and there is no proof that i have missed it.

 

i have in the past requested a settlement figure and it just comes back with what i owe and no discount what so ever.

I am currently struggling to make payments for my normal bills and would like to get this sorted,

i could get a small loan from friends to pay about half of it but thats all.

 

I would be very grateful for any advice that would help me deal with these people as i'm not trying to avoid my debt to them.

 

The inital loan was for about £350 but has spiraled to approx £900 roughly, i don't see why i should have to even pay half of it as they seem to be grabbing figures out of thin air,

the one figure i have offered is £300 but was flatly refused.

 

Many thanks in advance Ashley

Edited September 19, 2011 by chequebook

[Amy100]

I would suggest you go to somewhere like the CAB who are licensed to do a CFS for you. Get them to send this in with your offer of repayment. It will strengthen your case significantly if it is a proper CFS rather than a DIY IE sheet.

[dx100uk]

i'd hold on that if i was you

 

sounds like you've been royally cash cowed here

 

a £350 loan in the late 90's still running - you're kidding me!- you've been spoofed.

 

tell us what is on you cra file regading this please

and a history of the debt with dates etc

 

i bet you had PPI on it too, so they'll owe you money idf its not already well SB'ed years ago.

 

something smells here big time.

[chequebook]

Hi dx100uk, thank you for your reply, i have listed below what my file says and it defaulted in 2006, however it will be due to be wiped off in June by the looks of it but still a bit miffed as i've got my file to almost perfect over the last 5 years working me rats off.

 

I havn't got any dates as yet as i'm still on holiday and will try to sort something out when i get back.

 

Company name: HFC BANK PLC Who's this?

Account type: Credit sale fixed term

Started: 29/11/2001

Current Balance: Settled

Repayment Period: Monthly Payment: £20 over 52 months

Settled On: 06/06/2006

File Updated for the Period to: 09/07/2006

Status history:

[] brackets indicate most recent months status [ 1 ] 1 0 0 0 0 0 0 0 0 0 0

 

The original payment was for £20 when i was working at the time and was it appears transfered to Horwich Farelly so was settled and i've continued to make the agreed payment of £5 without missing a beat.

 

I will do as you suggest as i was a little annoyed when i wrote the original post because of the missed payments registered, sorry. They did send me a statement a while back so will request another one to clarify, then send them the letter from the ND's website.

[dx100uk]

nd's website?

 

£20*52=£1040!!!

 

you been truely HFC'ed!!

 

i;ll wait the agreement etc

 

dx

[chequebook]

Ok update on this.

 

I have been in touch with the credit file company and they say it has not been up dated but was added in April,

so i got it slightly wrong sorry.

I can only assume they are trying to get money off me but the £5 a month payment is still ongoing.

 

The question is have they got a legal right to continue taking money off me now or after the record comes off my account.

 

Ok now here is the crunch.

 

I have a copy of the original agreement from HFC dated 30th Sept 1998,

total amount of the price is £1378, erm a bit more than i thought sorry, .

 

They are saying that the balance of £787.08 is due in 10 days but it's now a bit past that.

I can request a statement if you want and can go from there,

or send a full and final settlement offer letter and see where that gets me.

 

I received an answer to my first request for the agreement in April 2011,

then the next was June then July and finally the copy was received in August.

 

What do i do now please????

Many thanks for your input.

[dx100uk]

if your CRA says setlled

 

end off!

 

dx

[chequebook]

With reference to the last letter i received from HF

 

i have now had a letter off them today saying they have not received a response from the original seller!!!!

i don't understand it seems they don't know their right from there left as the last letter gave me 10 days to settle,

also they apparently have still suspended my account but the payments are still going through.

I'm confused it seems they do not know what is going on and i have no idea what they are playing at.

[dx100uk]

does your cra file say the debt is settled?

 

dx

[chequebook]

Hi, Yes it does but apparently they can still come after me even when it has been removed from my file. If it is the case that i do not then where do i go from here as i have been paying them is that not an admission of my owing the money? Thank you.

[dx100uk]

who told you that!

 

more crap from the dca's on the phone i bet.

 

the debt says settled

they've been spoofing you for years

and they dont want to lose their cash cow.

 

stop all payments and cancel and DD's

 

i'm puzzled that this debt says settled though they've defaulted you aug/sept?

and the CRA people say it was not added until april 2011?

who was it you spoke too?

 

dx

 

 

something fishy here.

[chequebook]

Hi thanks for that, i have also been using the Martin Lewis website forum and i'm getting two different replies. If this is the case that they are fleecing me for a debt that i know i owe even after the 6 years is up.

 

My CRA file does say it is settled and the debt got passed on to them as i didn't finish paying it off, so i feel they are in the right.

 

But if you say i do not owe it any more and they have no legal claim can you suggest a letter template i should send in response to the agreement letter they finaly sent me so i can get something in writing to say that they are not going to chase me anymore.

 

Thank you

[dx100uk]

i'm puzzled that this debt says settled though they've defaulted you aug/sept?

and the CRA people say it was not added until april 2011?

who was it you spoke too?

 

can you expand on the above

 

do you mean the account was not on your cra file till april?

and then 2 defaults were added aug/sept even though it says settled.?

 

dx

[chequebook]

Ok, i know your confused as much as i am sorry for that.

 

I sent HF a CCA letter in April as i explained at the beginning of the thread.

 

I had a default on my account which was due off in September so i logged in and started my account again with Credit Expert.

 

I found the default gone and the HFC one on my account with settled listed and 1 missed payment,

 

i logged in again about a week later and found 2 missed payments.

 

This must have happened after i had sent the CCA letter to HF as the adviser said it was put on in April.

 

Yes the account was not on until April from what i understand as i do not check my file every month only when i need to as it is £14.99 a month which is a lot of money to me.

 

I am about to send a account in dispute letter to them as reading through the forum they should have replied with the agreement 14 days after i sent the letter but i only had reply to say they were going to request it from HFC.

Thanks.

[dx100uk]

so do you know from a past credit expert report, that this debt [the whole account and all its info] was def not on your cra before?

there is a tab whereby you can view previously requested CRA reports on credit expert.

 

what i'm trying to get my head around is it appears that the account vanished

but the came back on in april, and latterly got missed payment markers added.

 

if the account totally fell off the CRA file and is now back, something really weird is going on.

 

dx

[chequebook]

Hi, according to the cra it came on in April this year but i am going to call them again and see if this is so...

 

Ok just managed to speak to someone again.

 

Apparently they did an update of my addresses and it appears that it was there but i didn't see it

and the missed payments were when i was paying HFC direct.

 

What i understand is that the start date is in 1998 and they do not go from there,

it would appear that some how it was reactivated 6 years prior

 

which can only mean that i made contact with them and the clock started again,

but it will come off in June next year according to the cra.

 

Now this begs the question should i continue to make contact with them,

(as i have not sent the letter yet) and try to resolve this or will it start the clock again,

or has it already as they have sent the copy of the agreement although it is well over the 12+2 days when i got it.

and should i send the letter as per my previous post?

 

Cheers

[dx100uk]

'you' making contact [other than via a WRITTEN signed letter saying i owe you] does NOT reset the SB clock.

 

so according to them you somehow reset it in 2006 then?

 

if it finishing in 2012?

 

something is def amiss here somewhere.

 

dx

[chequebook]

Hi, not to sure if it was me that reset it but they are still chasing it and it is still on my file. I'll send the letter tomorrow as i have to go to work now. It does come off in 2012 which is why i think they are trying to get me to call so they can trap me again.

 

After that not to sure where to go but will carry on reading through the forum and see if i can sort it.

 

Thanks

[dx100uk]

i think you are correct

i'd keep quiet then

 

dx