Have written recently about sorting out hubbies creditors and the hassle I was having getting through to HFC and there agent (I presume) Debt Litigation Recovery Service. Having kept sending everything they ask for a review of a payment plan he has, they kept saying they hadn't received and he was breaching his agreement, they now are playing ball without accepting they have had everything (but I know they have). The problem we have now is that after years of accepting payments, interest frozen and us being willing to keep paying something he has received a letter last month and this month from HFC (when we are dealing with DLRS) saying he is in default and putting on a £15 pound charge which can have interest added on to it. As the pro rata payment is only £35 then its nonsensical for them now to be adding £15 a month on. I can't seem to get through to them, I have even thought about writing to the Daily mail financial section.
I beleive that DLRS is actually just HFC's collection department.
Unfortunately when someone is in an informal arrangement with thier creditors to repay the debts on a pro rata basis, they cannot be bound to the agreement. Some creditors agree to freeze interest and charges for a while only to start again at a later date. I agree with you it does seem rediculous, especially when you have demonstrated to them that you can afford no more.
Have you kept copies of the information you sent them. If so you might want to consider re-sending it all recorded delivery - that way you can proove that they have received it.
Unfortunately, like most banks, their post rooms are very busy and post can tend to end up in the wrong place. Funnily enough cheques do not seem to that often, though it has been known.
From reading your past posts, I know that your husband has not been well and that you have had a really tough time of it. I wonder if a letter from your GP may focus HFC's mind a little and elicit some sympathy from them. I have known some creditors to write debts off in cases such as your husbands.
Kind regards, Elizabeth Pywowarczuk, Insolvency Practitioner.
If you would like me to advise you about an IVA and if appropriate propose one for you, please visit my website at www.liberta.uk.com
Thank you - reply very helpful. Most people know my situation - I am not well(crohns and off work again at the moment!!!) and my husband has CRPS Complex Regional Pain Disorder and has another appointment soon with a neurologist because he has other symptoms. I am in an IVA anyway so Philip's creditors can't have any more. I have already sent all info by recorded and DLRS are playing ball at the moment so it's futile for HFC to be charging a £15 default charge. Our GP is very supportive and I know he would do a letter. The stupid thing is stress was taken off me when doing IVA and now got more stress with Philip's condition deteriating and my new manager not being very supportive of my condition.
HFC are a nightmare Elizabeth. We've had trouble with them in the past. I remember some years ago having a blazing row on the phone with one of their representatives whilst I was at work!
Daughter had the finance for her laptop through them, and they are forever phoning her to try and get her to take out more finance.
I hope your husband gets his problems sorted soon, and that you settle down to some stress free time as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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