I am sorry to ask another question about HFO but I have tried to find a post with my situation in vain.

My OH had a Barclaycard account in dispute with Lowell, who did not provide a CCA. HFO demanded money on this account in May 2010. Sent them 'in dispute' letter as advised by CAGgers.

HFO have come back a year later, with (as I've read on other posts) an entirely arbitrary amount of money they say is owed; hassling OH's ex-wife on the phone and threatening a charging order on the house she lives in with OH's kids. The threat-o-gram has come with an attachment saying how much court will cost us! Though the dolts have sent it to the wrong address despite OH's correct address being provided last year.

It was my understanding that an account in dispute, ie no CCA provided, cannot be sold on to another DCA in this manner, and that HFO cannot take OH to court.

Any advice - I've already sent them the 'debt passed on to another DCA while in dispute letter' - much appreciated. (I cannot read through loads of emails due to poor health.)

Best wishes to all, thanks for reading.

They are perfectly within their rights now to pass the debt to a DCA. Your best way forward is to inorm the debt is still in dispute with the original creditor and send them the Prove It letter to ask them to prove they have the right to be collecting this account. Alternatively send them a CCA request and place it into dispute with them when they can't supply the agreement either.

Thank you, Tingy - will do a CCA asap

Thank you, Broken Arrow

Hope you're all well

Update:

72 hr notice of litigation letter received from hfo just before Easter, lol.

As advised, CCA request banged off, 12+2 working days up on 13 May.

hfo refuses to send correspondence to current address (keep posting to OH's old house which they think they can get a charging order on, with two minor children still living in it) - refuses to deal with me as OH's appointed rep - refuses to send CCA -

Today another letter (to old address): a 'schedule of litigation' with 'solicitor's costs' attached.

Having read Hillard's thread I take some comfort that this is all hfo's usual incompetent modus operandi. And that without the CCA they can't do anything.

Also have banged off complaint to TS, for once they seem to be interested and have asked for further details.

Hxx

have you complained to the OFT,James Waldron, and the address is OFT, Fleet Bank House, 2-6 Salisbury Square, London, EC4 8JX.

I haven't, but I will, cheers, B.A.

I am encourraged by TS wanting to know more this time - last time I complained to them (about Lowells, the other 'worst DCA of the lot') and they fobbed me off

I think Mr Waldron will be interested.

Have you contacted Barclaycard to find out the last payment date on this and exactly which company this was sold to and when? Get them to confirm everything in writing. I imagine Lowells were chasing it for Barclaycard?? but HFO will have bought it Is there a Notice of assignment from HFO or BC? It may also be worth a SAR to Barclaycard.

Barclaycard

Barclaycard recoveries 0844 556 0066

SAR Request

Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply

Standard SAR.doc

I have posted up your other thread, previous post.Might be worth getting a Mod to merge.

Thank you, all. Loads of paperwork to be getting on with.

Should I send my complaint to Mr Waldron recorded signed for?

And (soz for dumb question) when OH rings Barclaycard does he just need details from HFO threat-o-gram?

2 years ago Lowell never produced CCA on this and slunk away.

If you can afford to. But I imagine he has quite a pile of HFO complaints. The more the merrier.

She just needs her security details as were logged with Barclaycard. As said, get the date of default but most importantly the date of last payment, and exactly to whom and when it was sold.

Send the account in dispute letter recorded/signed for once the 12+2 is up.

Will do.

Looks like I'm a full-dues-paying member (or at least OH is) of the HFO Fan Club - cheers!

Indeed you are.

You can send a complaint to OFT on line or by post, no real need to send recorded but keep a copy in case it is lost. mark for the attention of James Waldron

OFT http://www.oft.gov.uk/

Will send complaint with attachments to Mr Waldron next week.

Many thanks again to all for advice.

This is the most trouble we've ever had with a DCA, the nastiest, most unprofessional and most incompetent of the lot, even worse than the lovely Leeds Losers.

Will post updates.

Have a great weekend!

Posted 'Failure to reply' letter to HFO and detailed letter to Mr Waldron with several attachments such as threatograms from HFO, CCA request & proof of posting, etc..

Does anyone know if credit protection insurance might be an old name for PPI?

Many thanks in advance.

Update: Letter from OFT re my written complaint about HFO:

'We have ... recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take'

Better result than last time!

There's an OFT consent form - don't mind if OFT discloses my details to HFO if OFT do take action. In that case, there's a dca that knows we do what we say we will.

I hope this encourages other people to make written complaints if they too have been badly treated by HFO.

Best to all,

H.x

OFT sent this reply to my complaint about HFO too - hopefully they are building a good case against them. They must have loads of complaints by now!

And don’t worry – they issue lots of idle threats designed to worry you. If they’re silly enough to take court action, we’ll be here.

You’re in good hands with CAG.

 

You’re in good hands with CAG.

D*E*F*O. I just cannot thank you guys enough for all your help - you have made such a difference in our lives - looks like it's donation-to-CAG-time again

Your prayers are answered.

http://www.consumeractiongroup.co.uk/forum/showthread.php?306771-HFO-Capital-Services-Roxburgh&p=3423025#post3423025

Dolts have sent (to wrong address!) an application form from 1980! No agreement of any sort, enforceable or non-.

I suppose they're hoping for an HFO-friendly judge if they plan on taking OH to court...