H.L.Legal Solicitors

[hixie30]

Hi all after sending crapquest 2 cca requestes 47 days ago,an which they aknlowedged by sending the usual letter account on hold for 28 days crap, then heard nothing until today when i recieve a letter from H L Legal Solicitors PERSONAL VISITS UNIT!, top line reads In The Matter of capquest debt recovery limited-V- my name, a bit court looking! they have sent my account to doorstep agents scotthall, who have been instructed to collect the full amount and compile a property/asset report to assist in legal action!! seems they dont need a court hearing to enter property! do you think i should remind them that they have commited a criminal offence or just keep all the evidence for judgement day?

[ODC]

It would be interesting where the believe they get the legal authority to enter you property without some authorisation from the courts. Must be some new law. I would like to see how quickly they would leave my door if they tried to enter illeagally. I believe its called burglary and is and arrestable offence.

[pmhcfc]

Hi all after sending crapquest 2 cca requestes 47 days ago,an which they aknlowedged by sending the usual letter account on hold for 28 days crap, then heard nothing until today when i recieve a letter from H L Legal Solicitors PERSONAL VISITS UNIT!, top line reads In The Matter of capquest debt recovery limited-V- my name, a bit court looking! they have sent my account to doorstep agents scotthall, who have been instructed to collect the full amount and compile a property/asset report to assist in legal action!! seems they dont need a court hearing to enter property! do you think i should remind them that they have commited a criminal offence or just keep all the evidence for judgement day?

 

2 cca DEFAULTS? About ready for this letter then :

 

I refer to my letters dated XXXXXXXX which was delivered via recorded delivery to your offices on XXXXXXXX, and my follow up letter dated XXXXXXXX.

 

In my letter xxxxxxI made a formal request for a copy of the signed, executed credit agreement for the above numbered XXXXXXXX account under section 77(1) and section 78(1) of the Consumer Credit Act. In addition a statement of my account should have been sent along with any other document mentioned in the credit agreement.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

Any default notices or adverse comments your company have recorded on my credit reference file should be immediately removed.

 

Failure to respond favourably to this letter within seven (7) days of receipt will result in immediate litigation being commenced against your company without further notice.

 

I await your rapid response.

 

[ODC]

You may want to visit their website. It gives a good impression of the type of firm they are HL Legal

[CAGisforME]

HL Legal and a carefully hidden "&") Solicitors.

 

What a buch of jokers these "people" are.

 

They have defaulted on my CCA request too.....and have gone strangely quiet.

 

Good Luck.

[ivorbiggun]

From their website:

 

 

Welcome to the HL Legal & Collections commercial debt recovery and credit control site which gives you immediate access to Solicitors letters.

Send your own late payment and debt recovery letters within minutes from as little as 75 pence per letter.

Compliment your credit control procedures with a full range of Solicitors letters whilst staying in control.

Improve cash flow by reducing debtor days.

Should you need to take further action then our team of commercial debt recovery experts is on hand to help at a fraction of what you might expect to pay.

 

It also says:

 

 

 

Register now and send your first two letters for free!!

 

 

 

So maybe those that are owed info under a CCA request could register and use HL to send themselves a letter!

[KJD]

... i recieve a letter from H L Legal Solicitors PERSONAL VISITS UNIT!, top line reads In The Matter of capquest debt recovery limited-V- my name, a bit court looking! they have sent my account to doorstep agents scotthall, who have been instructed to collect the full amount and compile a property/asset report to assist in legal action!! seems they dont need a court hearing to enter property!

 

Got one of these today too!! Cheered up an otherwise dull day. Bunch of statements received in reply to CCA request and nothing till this gem on my doormat.

 

Go ahead, punk, make my day!!

[ODC]

Hi all after sending crapquest 2 cca requestes 47 days ago,an which they aknlowedged by sending the usual letter account on hold for 28 days crap, then heard nothing until today when i recieve a letter from H L Legal Solicitors PERSONAL VISITS UNIT!, top line reads In The Matter of capquest debt recovery limited-V- my name, a bit court looking! they have sent my account to doorstep agents scotthall, who have been instructed to collect the full amount and compile a property/asset report to assist in legal action!! seems they dont need a court hearing to enter property! do you think i should remind them that they have commited a criminal offence or just keep all the evidence for judgement day?

Bit difficult to do if they are not actually on your property because yo hav not given them permission to be there or if you have had them removed from your property and they are in the local nick.

[maggie1954]

if you have any debt that is outstanding then they are legally obliged to send a signed credit agreement of that debt. If they are not able to send it then it can't be enforced without the agreement. If they continue to pursue then it amounts to harassment, even the solicitors know that a signed credit agreement as to be in force. If they are adding charges, then this comes under the unfair contract terms. report them to trading standards because they are in breach of their consumer license, report solictors to the law society for harassment. Also obtain your credit report and have the debts removed.

 

Turn the tables on them and make a claim against them for duress!! See if they like it.!

[NobbyNobNob]

A quickie -

 

at what point does the debt become unenforceable? After the first 12 days, or after the second 30 days?

 

Need to know as sending a letter today to a DCA about a similar thing!

 

Thanks

 

NNN

[ODC]

It becomes unenforcable until such times as they produce a valid CCA.

[NobbyNobNob]

It becomes unenforcable until such times as they produce a valid CCA.

 

Thanks! Quick reply!

 

Was trying to see what date to insert in the sample letter earlier in this thread. I might re-arrange that sentence or use the 12 day date??

 

Cheers!

 

NNN

[ODC]

After 12 WORKING days they are ''IN DEFAULT''

 

After a further Calendar Month they commit a summary offence

 

Here is a suitable CB letter

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of hich have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On **DATE** a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the **DATE** I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence.

 

These limits have expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

And

 

(b) If the default continues for one month he commits an offence.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

BLAH

[saskia]

Re: HL Legal in assoc with Sampson & Co.

 

Received the letter threatening Scotcall Limited visit. It says "The doorstep agent is instructed to collect the amount they say due (which I do not owe to HBOS by the way, which originated when they took £300+ from my card cash account for overdraft which had been wiped out by agreement when I reclaimed charges on current account and due to their inept handling showed up as ME owing THEM when I closed my account and since they have added interest and charges!!!!!!), of £600+ and, "compile a property/asset report to assist in any possible future legal action". The letter also says, "If an immediate response is not received, an agent will be despatched and will call at the above (my address) between the hours of 8.00 am and 8.30 pm". So I have responded by telephoning MR JOHN SAMPSON ON * 01527-66221 *. MR JOHN SAMPSON is partner in SAMPSON & CO., SOLICITORS, 12 cHURCH GREEN EAST, REDDICH, WORC. B98 8BP. I told MR SAMPSON (who answers the telephone on that number), that as I have now "made contact", they must NOT send anyone to my home, otherwise I will call the police. While Mr Sampson attempted to abdicate responsibility, his "Association" with HL LEGAL means, surely, that I have made the contact requested(?). It also gave me the opportunity to tell MR JOHN SAMPSON that I believed he should take full responsibility or cease his very shameful "Association" forthwith with HL LEGAL'S threats in correspondence to me to enter my home, which are illegal. I left MR JOHN SAMPSON to "take the message" from me. I also told MR JOHN SAMPSON that should any "Agent" of his "Association" call at my home, then I would have no option but to "call at" his offices in Reddich and face to face with him, attempt to sort this out. My message was that they "litigate" immediately or stop the harassment by telephone (3 times a day) and scores of threatening correspondence. I will also now send the template letter asking them to provide the copy of the "signed Credit Agreement", (which does not exist)!. My credit rating is adversely effected and I am so very sick and tired of years of the harassment by these thugs.