HFC BANK and Restons Solicitors forced me into a CCJ now i can't get a mortgage, plea

[gearjamma]

When they ring again put the phone to one side ,make a cup of tea,drink it then put the phone down,its their money being wasted.Remember you are under no obligation to speak to them,also take a note of the number of times and at what time they phone,because there is a law that forbids them to harrass you at certain times of the day,and how many times,if you do speak to them tell them that you are recording the conversation with a view to reporting them for harrassment.You do have the right to just put the phone down,they can be prosecuted if they continue to harrass you.

[sickntired1]

I've just come across this thread whilst trying to find a telephone number for restons.

 

I'm also up against them, and have recently been slapped with a CCJ for the sake of falling behind on £20. I bought a computer in January 2006 from Curry's at a cost of £460 (approx) need to find the original price). I'm still paying it back at £20 per month (set by the courts on the CCJ). Apparently I still owe £257, although this was only £189 2 weeks ago, so Bullyboy restsons have added yet more onto the figure. HFC are a joke, I could never get to speak to someone who speaks clear english, they all mumble then complain they can't understand me. They even refused to change my name to my married name unless I sent them my original marriage certificate to them, but they only return by normal post so couldn't guarantee I would get it back. I refused to do this as I only have one copy, and all other companies I deal with happily accepted copies. As a result, they will not address me by my married name (both HFC and Restons) although I've been married for 4 years. If I call up and say, Hi, its Mrs..xxxxxx, they refuse to speak to me as I'm not the 'account holder'. It's an insult.

 

I've asked them for statements detailing how they got to the figure they've got and I'm still waiting for them to send them out. I need to know all the details of what I've been charged so I can go to the FOS about them. They're nothing but glorified loan sharks.

[scousepie]

Yes HFC And Restons are a double act, I have had first hand dealings with them both, I like your comment "Loan Sharks" cos that what they are.

 

Good luck with your case. Mr Pie

[gearjamma]

Write to retsons asking if they have bought the debt from hfc.If they reply that they have then ask (in a letter)for an ORIGINAL SIGNED copy of your credit agreement,and a direct debit mandate form ( you'll probably get the form ,but not the credit agreement )There is a letter on this site which sets out the procedure for asking for the credit agreement which FORCES them to reply one way or another.If they can supply the credit agreement,then just make out the direct debit for £1 per month.They will scream and shout but it is very very rare that they refuse.

[jimbo45]

Restons are THE **** OF THE UNIVERSE never mind the planet.

 

I'm STILL waiting for accounts -- although everything has been paid off -- and the CO they obtained is STILL on the land registry documents even though they accepted a full and final settlement -- got it in writing.

 

Now they SAID that HFC bank (their clients) would remove the CO -- but they haven't done yet. So do I have to go through the expense of an N244 or is it N245 form and submit it to court.

 

When these a**holes charge 15 GBP for a letter and have NEVER been able to send me a statement of the account (at one time it was around 10,000 GBP) why should I not be able to retaliate and charge them for NOT providing me with a decent statement of the account and also for them not carrying out their obligation to remove the CO.

 

This is ONE firm that should be put out of business AT ONCE.

 

If I'm ever in Warrington and see members of this firm crossing the road my car will inexplicably suffer an unexpected brake failure.

 

I've got an ongoing complaint with Companies House about these people not providing proper accounts plus complaints to the various Law bodies and of of course the OFT.

 

I'm not giving up on trying to run these people out of town --even if in my old age it's the last thing I can do.

 

BTW when replying to any communication from RESTONS always add on the envelope :

 

Hey Hey we're Reston's OK

How many people can we screw up today.

 

Since they always mark their letters URGENT in huge letters across the top of their envelopes maybe a bit of retaliatory action such as marking your envelope with the ditty in red is in order too.

 

I HATE THIS FIRM WITH A PASSION.

 

Their only reason for existence as far as I can see is just as purveyors of total Human Misery.

 

I loathe these scumbags even more than CL Finance and Capquest who are also both pretty horrible too.

 

In a fairly long lifetime this must be the NASTIEST and MOST UNSYMPATHETIC firm I've EVER had to deal with.

 

They can usually be beaten however on the utterly humungous "Collection Fees" they try and levy on to debts they are collecting -- often as much as 1200 GBP on a 4500 GBP debt -- TOTALLY DISGUSTING.

 

Cheers

jimbo

Edited March 3, 2011 by jimbo45

[jameslewis06]

Hi

 

I lost my debt card called Restons to advise them of this. I was advised to pay by cheque, I sent the cheque which was never received or cashed, with in 5 days of being advised to pay by cheque i received CCJ papers. The papers where filled out correctly and in a timely manner, Restons returned the papers to me stating they where incorrect. I received the court order to pay in full 3 days after the return of the papers , I had a redetirmination hearing (the judge agreed with my offer of monthly payments) now i am in court every 6 months or so proving to Restons thats all i can afford.

[notter]

HFC and Restons

 

Afraid I'm ensnared by these dreadful people too. They must break every code of conduct going, alas though they are hardly going to change, as it appears the legal system is apathetic to their malpractices, and they must make a tidy profit from it.

I have just been sent a letter claiming breach of agreement and I have the evidence to show this is untrue. However it chills me to the bone whenever I deal with these pariahs, as they are so ruthless and underhand, intimidation seems mandatory.

It completely undermines any faith I have in our society when people like this, who profit at the misfortune of others, can repeatedly stretch the boundaries of the law, far beyond what any regulatory authority would allow, to heap yet more misery on poor unfortunates to prosper still further. I am sorry to say though that if anyone falls into the credit trap then they are given short shrift and receive little or no sympathy from anyone, it seems as though if your gullible enough to believe you are entering into an agreement with a professional body then serves you right.

I would be interested to know just how many people have been brought to bankruptcy by this pair, as I would be surprised if it was in the same proportion as other creditors.

Please, please, report AND challenge any misdemeanour's these companies deal in to the appropriate authority.Eventually justice will prevail, good luck to anyone who has the misfortune to deal with this sorry pair.