I have recieved letter today from a company called HFO Service after a large amount of Money for a alleged loan to a bank.

I have seen on here that I will need, in order to get things sorted, send them some letters in order to make sure all is kosher ( requiring evidence which according to some threads on here they are unlikely to have)

I just want to make sure I get everything correct and not make any rookie mistakes.

Can someone help please with what letters I must send etc , to whom and when? If i can give you any more information please ask I would be eternally grateful.

As an aside their manner has been harrassing when they have called, bombarding my mobile, work number and flat mate with many calls, what can i do to stop this too?

Hi and welcome , there is a letter you can write to have all correspondence by post only.

i'd hang fire on doing anything

can you give us a bit more history on what you think this is about.

dx

Hi DX, sure can give you any information you d like! they say its for an old loan taken out in 2005 and defaulted in 2007.

Reading through other posts on here I guess I should be sending the original loan company one letter with a PO and one for HFO asking for a copy of signed credit agreement and also one to stop phone harrassment, correct?

As an aside, are they really allowed to charge %interest on this ??

when was YOUR last financial in/out on it?

dx

Hi DX, I have been told it was June 2007, apparently started in May 05

told who by?

not being funny but you need to confirm this yourself and not take what some muppet dca is saying as the truth.

HFO are bottom feeders and this A/C will prob be already writtren off years ago by the OC, and has been brought on a phishing list

if you have never had any letters from the OC over the last 2 yrs then pers i'd ignore it.

if it was 'deaulted' in june 2007, i'd guess it would have been 3-4mts before that you made your last payment.

dx

OK thanks DX, how would i confirm the default / last payment date?

Looking at posts on here ( trying to work things out for myself and not just ask) on the same and similar companies, am i right in thinking I would need a SAR to the original company and Consumer Credit Act Request to HFO?

Is this right? I also would like to send a letter re telephone harrassment too to ensure they only contact me in writing.

Wouldnt want to just just "ignore" this as I don't think it would go away but on the flip side wouldnt want to do the wrong thing!

thanks again

If you click on the library tab at the top of the page it will take you to the telephoe harrassment letter.

At this stage I would just SAR the OC it should include any agreement.

if you have had no other letteres on this debt in two-three years i would ignore them totally.

writing will only place a marker on your file that a mug awaits.

and it will still leave you on a phishing list, and the next leecher will still do the same as 'bad news' letters are not fwded on with the debt when it is brought in the next list, else it wouldn't be worth buying.

dx

It all depends upon what they have inferred in their letter to you... have they claimed court action is imminent?

VJ

hi VJ, not overly, sort of alludes to it without saying as much. will scan and post letter here to see if this helps you ( to help me)

thanks

ok heres goes

http://i854.photobucket.com/albums/ab110/batleyboy1/090810.jpg

sorry must be painful for you all when a newbie appears!

not in the least we love these letters

total garbage

no cca = np pay

bye bye fleecers.

dx

HFO Morons strike again it seems...

What's this with "no credible defence"??? I don't think I've ever seen a credible case from them yet!

hi thanks for your views, did you get to see both letters ( before one was rightly removed)?

if so in your opinion I should just ignore these and only take action IF they decided to go to court? If so how can i avoid them calling my flatmate, my mobile no ( which they tricked out of him) and my work address?

thanks again guys!

buuump =)

all i can suggest is to read around

type in HFO in our advanced search and read some posts

you'll soon get the idea.

as for the unlawful contact going on to the world and his cat to try and fleece you

pers i'd complaint to everyone you can

particularly the trading standards of the area they are based in.

ignore them and DO NOT contact them.

you could fire off the telephone harrassment letter etc

but pers i'd not, just complaint to whoever you think it necessary too.

dx

thanks DX!

Heres the other letter sent ( re added without key information - thanks Mods for the heads up)

" doh done it again!!!"

Thanks

http://i854.photobucket.com/albums/ab110/batleyboy1/2ndltr.jpg

try again :-?

threat-o-gram

toilet paper

if, could, might, maybe, instructed................snoreeeeeeeeeee.

dx

SHould I expect a court summons from Northampton in the post? Can see from a few threads on here that they have gone that far, whats their usual "MO"?

its probable they will try sneak it into northampton, you will receive from N'mpton notification when you get this just enter you intend to fully defend this case, then it has to be transfered to your local court , till then just send a harrassment notice also if they are harrassing you with phone calls and sending photo's then send copies to OFT and Google

patrickq1

otherwise as DX has said ignore them until the time comes

Joy so I have got that to look forward to then, happy days..

Harrassment letter, to be sent to HFO or Trading Standards, FSO etc?

Thanks patrick!