help for my son **WON**

**Mamie** · 21st April 2007 18:38

my son got a Barclays icon

card for £400 he went over this limit and paid £575 through d d and they stopped taken the money off, in the last 2 weeks we have been inundated with phone calls icon

from hfo demanding £207 but they would not tell him what this was for. we have now found out that they say the original sum due was £782 they have asked for it back at £10 a week to start paying now.while my son is paying this back can he claim any unfair charges back or is it to late now as it is in the hands of creditors.be greatful for any help on this.

**dar£n** · 21st April 2007 20:06

Can you ask a moderator to move your thread to Barclaycard.. you will get better response

**livelylad** · 21st April 2007 20:58

Moved to Barclaycard forum.

**Didge** · 22nd April 2007 08:07

My answer would be of course you can claim, and hopefully anyone who is/has been in a similar situation would be able to furnish you with details. Personally I would still deal with BCard as that was who the account was with, but if I'm wrong please someone correct me.
If your son has all his statements, then you can start with the prelim, or send off the SAR icon

if he hasn't.
Good Luck

**debt_mountain** · 22nd April 2007 08:15

if you think the chrges will be more than the amount they are claiming you can put the account in dispute and stop paying or just pay a token £1 per month.

**Mamie** · 23rd April 2007 16:25

just had a big argument with HFO services about the remaining £207 they are demandig the money so I said the debt was in dispute and offered £5 a week as my son is on benefits they wanted proof and I said it was none of there business he is offering £5 while the account is in dispute icon

, final outcome I told him that he would receive a letter to say the account is in dispute he then said ok thats fine see you in court. I only offered to pay this in case anymore charges are put on, and barclaycard are saying they dont hold the account anymore if I knew the charges and what was added to his account I would not worry so much. The cards limit was only £400 as you will see from my post above so were did the rest of the money come from in such a short space in time. could someone please give me a idea how much the charges are.

**Mamie** · 29th April 2007 23:32

Hi Folks
could someone give me some help here is this the right thread to be in as I said my son had a barclaycard for £400 paid £575 back now HFO services are hounding him for £207 I have sent a SAR icon

to Barclays icon

and a copy to HFO with an account in dispute letter both sent recorded delivery got a letter back from HFO wanted some advice on it so do I put it in this thread or start another in the debt one

**Mamie** · 1st May 2007 16:52

Hi Folks
can anyone one help although I have sent SAR icon

to barclaycard what about the problems with HFO services should I stay on this thread or move to the DCA icon

thread, need help about dealing with them, or do I run 2 different threads one in here and one in DCA. sorry if it sounds stupid but dont want to put things in the wrong place. :?

**debt_mountain** · 1st May 2007 20:56

Leaving it a s 1 thread should be ok at the moment, if it grows then you canask to have it split.

**Mamie** · 4th May 2007 00:42

Hi Folks hope someone can help me with this dont seemto be having much joy here as I said in the above posts I am taking on barclaycard for my son I have sent a S A R letter to them. The problem is they passed it on to H F O services I sent them account in dispute letter and a copy of the S A R letter that I sent to barclaycard, Ialso sent them a C C A letter with a £1 postal order.
I received a letter today from Turnbull Rutherford Solicitors.

Dear Sir

re HFO Services Limited

we write to acknowledge safe receipt of your letter address to HFO services which has been passed to us to deal with.
We have today requested a copy of the signed agreement from our client and this will be forwarded to you with other documents you have requested in due course. Due to high demaand we have been advised by our client that there is an eight week delay
yours faithfully

the advise I need is do I reply to this letter now or do I wait and send a letter if they do not comply with th C C A letter which gives them 12 days +2 to reply to me.

A THANK YOU IN ADVANCE FROM A VERY WORRIED MUM

**debt_mountain** · 4th May 2007 13:06

Originally Posted by rae may

Hi Folks hope someone can help me with this dont seemto be having much joy here as I said in the above posts I am taking on barclaycard for my son I have sent a S A R letter to them. The problem is they passed it on to H F O services I sent them account in dispute letter and a copy of the S A R letter that I sent to barclaycard, Ialso sent them a C C A letter with a £1 postal order.
I received a letter today from Turnbull Rutherford Solicitors.

Dear Sir

re HFO Services Limited

we write to acknowledge safe receipt of your letter address to HFO services which has been passed to us to deal with.
We have today requested a copy of the signed agreement from our client and this will be forwarded to you with other documents you have requested in due course. Due to high demaand we have been advised by our client that there is an eight week delay
yours faithfully

the advise I need is do I reply to this letter now or do I wait and send a letter if they do not comply with th C C A letter which gives them 12 days +2 to reply to me.

A THANK YOU IN ADVANCE FROM A VERY WORRIED MUM

You do nothing, they have confirmed your letter so the clock is ticking. When 12 days + 1 month has passed you still do nothing.

They will then be required to take your son to court to request permision to chase the debt. they must then provide the court with the agreements and any T/C they rely on.

The agreement must be legible and signed in all the correct places.

Is it being collected on behalf of Barclaycard or do HFO own the debt?

If they have bought it they probably paid around 10% of it value to Barclaycard so depending on the amount they may just write it off.

Have fun.

**Mamie** · 4th May 2007 16:29

Hi Debt Mountain,
Thanks for your help H.F.O. said they bought the debt from barclaycard, I will just leave it as it is then and hope for the best.

Thanks again rae may

**debt_mountain** · 4th May 2007 18:00

Originally Posted by rae may

Hi Debt Mountain,
Thanks for your help H.F.O. said they bought the debt from barclaycard, I will just leave it as it is then and hope for the best.

Thanks again rae may

so they paid around £20 for it. I don't think they would goto court for that. Is there any damage done to his credit file because of it? a default etc.

If they have filed it it may be worth seeing if they have an agreement. If not you should sue them for the damage there incorrect sharing of his data has done.

If there is no agreement then there is no evidence that they have his permission to share his personal data icon

. No permission means don't share.

I have a few threads on Cabot and blackhorse where I am currently doing this with some success. Just follow the link in my signature icon

for info.

Feel free to ask me any questions.

DM

**Mamie** · 4th May 2007 18:13

I dont know nothing about his credit file ( bit dumb here ) all we know is he paid back Barclaycard £575 for a £400 card we thought end of story till a few weeks ago phone calls icon

from H.F.O. demanding £207. Thats when I did all the above just before I received the lawyers letter I got a letter from H.F.O. saying they would give him a substantial discount if he contacted them within 7days or they would hand it on to a solicitor

rae may

**debt_mountain** · 4th May 2007 18:53

send the £2 fee to eah of the CRAs and see if they have done any damage. I an get the addresses if you need them, Equifax, Callcredit & Experian they will all be .co.uk i you want to see their websites.

**Mamie** · 5th May 2007 00:46

hi D.M. dont know what CRAs are and could you send me the addresses and on one of your previous posts you put T/C dont know what that is either sorry for being so dumb although I joined last year only been on here for a few weeks but Im getting there. Thanks rae may

**debt_mountain** · 5th May 2007 07:33

CRAs are credit reference agencies and T/C are terms and conditions icon

.

**Mamie** · 6th June 2007 23:52

Hi looking for a bit of advice 40 days up no statement from barclaycard 8 weeks up for the F.O.S do I write to barclaycard or send of the form to the F.O.S

**sea-sidelady** · 7th June 2007 00:50

Did you send the non compliance letter yet?

**Mamie** · 7th June 2007 00:54

not yet have wrote it but when I was checking the dates noticed that the 8 weeks were up for the fos icon

and was not sure what to do so thought I would ask

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