Arden Credit Management and Loan from HFC

[aliensonline]

Hi,

I’m seeking some advice on dealing with Arden Credit Management.

 

It relates to a loan from HFC bank which was in a DMP.

 

After CAG advice last summer (not enough posts to insert a link to it)

 

HFC Loan, started in September 2004 still with them £3,800 outstanding.

 

 

I sent a CCA request to HFC in July 2013,

but never heard anything back from them and consequently stopped paying them.

 

At some point HSBC took over the account more directly,

but apart from a few texts saying call this number, I heard nothing from them.

 

Since then:

October 2013

Letter from HSBC saying that account number so-and-so has been sold by HSBC to Britannica Recoveries.

Letter from Britannica Recoveries SARL to say that they have purchased it

and that Moorgate Loan Servicing Ltd will be administering the account on their behalf.

 

December 2013

Default Notice from Moorgate asking me to pay or they’ll terminate the loan agreement Early January 2014

Moorgate letter terminating loan agreement

I then sent Moorgate the ‘Letter for a Failed CCA Request’ from the library telling them

I’d made a CCA request to HFC in July 2013 and not received a response.

 

Mid January

Moorgate letter saying that they have appointed Arden Credit Management

 

Late Jan

Arden letter saying that they have been instructed by Moorgate

I then sent Arden the same library letter I’d sent to Moorgate

 

Mid February

Arden letter saying non-payment is not acceptable and they might send someone around and start legal action.

These two letters are the only communication

I’ve initiated since the CCA request and I’m tempted to continue to otherwise ignore them.

 

However they call my mobile most days

– I’ve had 19 calls and 13 texts since 29th January.

 

I always ignore them (but it’s irritating if my phone starts vibrating when I’m trying to teach which is what I do for a living).

 

Also I’d hate for them to really send someone around when it’s my wife at home most of the time and I know she’d be upset.

 

Should I continue to ignore and hope they go away?

 

I’ve looked at my report on Noddle and the account is no longer there.

 

Is there any chance they’ll stop?

 

Or should I send a new CCA request, recorded delivery (to Arden or Moorgate?)

 

Or send the Harassment and Doorstep-Visit Letter?

 

As ever many thanks in advance for your time and advice.

[dx100uk]

been through all that with one for my neighbour from them.

 

no cca no pay simple really

 

as for the calls

doorsteppers etc

 

they never show up.

 

yes its annoying

 

but in my example

 

they never supplied nor could get a CCA

 

and the neighbour ignored everything.

 

of course should you get a claimform or an SD

DONT IGNORE THOSE.

 

as this is from 2004

 

i'd suspect the agreement has the PPI box pre typed yes I bet

and you were persuaded! in a closed room by the advisor to take it out

so theres some reclaiming to do there

 

and if theres not a sep sig for the PPI

 

its whats called a multiple agreement and HFC know thy are bad news

so that's why they've dumped it.

 

dx

[dx100uk]

bet your agreement looks like this?

[aliensonline]

Many Thanks dx for your reassuring reply,

I've gone with ignoring them. Managed to dig out my agreement and (sadly) its crossed No!

 

Interestingly also came across an HFC letter from 2010 offering us a 65% discount for a one off settlement back then!

Thanks again

[dx100uk]

ho ho

discount letter

 

here is PART of your PPI back...lets us fleece you

and we'll call it quits!!

 

oh HFC are a total joke:lol:

 

dx

[aliensonline]

Quick update,

Moorgate have at last sent a letter to say they can't send me the CCA as requested, because HFC hasn't supplied them with one!

 

Arden meanwhile continue to try calling me and have just sent a letter to say they have appointed Resolvecall "to attend your property".

 

Any thoughts whether I should ignore, or write to them again? Also, is there advice on what I should do/say if someone does visit?

 

Many Thanks,

J

[dx100uk]

as will all DCA's doorsteppers too have NO LEGAL POWERS.

 

resolvecall rarely appear anyway.

 

however, if they do show up

 

simply tell them to leave you property

or the police will be called.

 

as with DCA's on the phone

NEVER EVER enter into any conversation

NEVER EVER PAY THEM.

 

i'd also not enter into any letter tennis too.

 

you nailed your colours to your flagpole already

 

dx

[aliensonline]

Well finally Moorgate have sent me a reconstituted CCA relating to the HFC loan.

 

(Summary: 2004 loan to pay off a CC, defaulted in about 2007, no longer on credit file, but paying via a DMP until July 2013.)

 

Would someone kindly cast an eye over what they’ve sent so that I know whether I have to start paying them something?

 

 

I have my own original (which I could scan as it’s more legible). They look identical, only differences I can see are: Dealer Code is a different number;

Under “Comprising” the “Amount to discharge your existing indebtedness” is £0.00 on mine and “Balance to you” is £6,204.00 i.e. the other way around;

 

And of course my own is signed.

 

Many Thanks in advance for any ideas

[dx100uk]

no dice Moorcroft

for a 2004 loan it must be the signed original.

 

 

can we just confirm

 

 

your sig appears nowhere on the recon does it?

 

 

dx

[dx100uk]

did you ever SAR HFC

 

 

as you've prob heeps of PENALTY charges then

 

 

and prob those and PPI on the credit card it refinanced

 

 

hence the discount.

 

 

dx

[aliensonline]

Thanks for the quick reply dx.

 

Never did SAR HFC, I kept a close watch on the loan and never saw anything added on. I can't remember the card it paid off though, and don't seem to have kept records of it.

 

But my signature is nowhere on the recon CCA though

[dx100uk]

if you'd sent the SAR back in july 2013 p'haps you'd know what the discount is by now.

 

 

to enforce this debt in court

they'd need the signed agreement.

 

 

dx