Hi P/O No there is nothing at the side. It does say on the statement that has the debt sale that the closing balance is £4332.41.....it then says Debt Sale credit adjustment £4332.41 CR and shows the balance as £0.00 ........................... lol do you think HFO or whoever bought the it paid of my debt...

Mmmmmm I have just been going through the statements and I am rather confused to say the least. The first statement is from 12/03/2005 and goes through to 13/07/2006......................It says on the all that the due date for payment is 13/07/2003. Then I have a statement showing 12 payments of £30 to Credit Solutions these are from 25/02/2006 to 26/02/2007...................after this there is statements showing just the outstanding balance until 04/02/2008 when it says DEBT SALE but it doesnt say who the debt was sold to. I am baffled by this, any ideas anyone?? tracy.

Good Morning. I have today received the information from my SAR request to BC. Please can you tell me exactly what I should receive within this request. All I have received is statements for the years until it was passed to the DCA. Is this what it should be or should there be all the other documentation such as CCA, Default notice etc. If so what should be my next action........I have heard nothing else from the HFO. Thank you for any advice.

Lol.....it was priceless......coledog its the follow up letter for my CCA request as the one i got was the application form.

Just had a call from HFO. He said "Mrs. ......I think it is shameful that you are asking for this letter. You should be ashamed of yourself!!!!!!!.......I said can u put that in writing please and hung up.......cheeky barstewards.

Thank you for your quick reply. Your time is most appreciated.

Hi. SAR sent to BC. (the OC was Morgan Stanley, am I right in thinking BC have taken them over????) and letter from Priority one (as above) sent to HFO. I have today received a Schedule of Litigation from HFO with the EX50 attached. Is this the usual threatogram?? have been looking at other threads and it does seem so. Soooo what is my next move. Can they do anything as I am waiting for all the info to come back. Thank you for any advice. Tracy. x

Had a look at the link that priority one has done onCPUTR.......baffled to say the least. So i will SAR barclaycard. Thanks once again. X

Thanks for that....So just to clarify . Do I send a SAR to Morgan Stanley....and I will send a letter of as per link but I am unsure what to put about the CPUTR, is there a template please. Its something I have little knowledge of and dont want to mess up by wording it wrong....going back onto other posts to see what I can find about it. Regards Tracy:-)

Thanks. Will send letter off. Should I SAR them just to see what they have. Been reading the link on CPUTR but its difficult to take in first time. I just think I know what im doing then Im not so sure right back to the night shift thank u again. X

Right today received a letter from HFO with a copy of requested CCA. It is the very same document that I got back from Morgan Stanley and uploaded (post 64). Even letters from them are almost rude " As we have provided the documentation you requested, now contact your account manager" Soooo do I fire off a letter saying that this is no more than an application form or because they have the copy is it classed as an agreement. They both state this is a Credit Agreement regulated by the CCA 1974. Sign it only if you want to be legally bound by its terms. Thank you for your help.

Hi Today received a 72 Hour Notice of Litigation. It says it has become clear that I am not willing to pay my debt!!!!!. I have been paying them for over 2 years. Please can I ask if I should be worried by this? I am still awaiting to see what they will come back with after my CCA request. Regards Tracyd

Never had anything from them for over 2 years. It does make me gloat a little when they try to get u to answer them. ;-)

I have started to log the calls as well.

The person sounded very indian. The number was 0442030249641.

Right well just answered the phone to someone from HFO (didnt know it was them). They stated that they had received a letter and it had not been signed. I replied "It doesnt need to be signed." (had typed name as per advice from here) They were clearly not happy by this and said "Why does it not need to be signed"? "Who has put you up to this"!!!!!!!!!! I said please put everything in writing and hung up. I guess they got my CCA request. Thanks again for your advice. x

Just reading through other threads with HFO and Turnbull Rutherford, they really are a shower of s*ite arent they. Cant believe some of the stunts they pull.

OH BUGGER!!!! I have posted up the wrong one.....Im still new to posting up docs and obviously rubbish at it....thanks for your patience. I have also put up the NOA I got from HFO HFO.pdf T&C.pdf CCA (2).pdf

Finally got back on the internet:-D.....so today I CCA'd HFO just to see what they have. Warned hubby not to speak to anyone and put the phone down. I have also uploaded what I received from Morgan Stanley when I requested my CCA. On the back of the document it has written on in pen. I certify this is a true copy of an orginal document. Please have a look and tell me what you think. Hope I have done it right this time. Regards Tracyd

Thank you for your help. I will send off a CCA request to HFO and see what they have. I will carry on paying the £20. I will post up the document i got from Morgan Stanley asap. My router is not allowing me onto the net....so I am doing this off my phone. Thank you again.

Hi Formister. Thank you for your reply. I didnt realise you could still see details. The scanned copy I put up did not show all the details on the application form. When I scanned it has cut off what Im thinking could be terms and conditions. It has info on Financial Related Condidtions, Credit Limit, Credit Charges, Payments and Interest Charging and a box stating The CCA 1974 covers this agreement and lays down certain requirements etc, etc. IM sorry but I hadnt realised it had cut them off. Should I scan them up for you to see. Plus I will get the letter off first thing tomorrow. I pay the £20 per month by standing order. Thank you for your help. I just feel a little silly for not realising I had left details visible and possible T&C off. Regards Tracyd Just seen reply from Coledog....so the CCA route to HFO would be the best thing to start with??

Looking back over the paperwork I sent a SAR and CCA in Feb 2007. I have attached what I received from them. Many letters passed between myself and a Karla Kenny. Customer Liason Team Manager. I seem to remember her name was mentioned on the forum quiet a lot. What I got back from them was no more than the application form so I sent off this letter Thank you for your reply to my request under Section 78 of the CCA 1974. Under the Consumer Credit Act, you will be aware that a credit agreement is unenforceable unless both the debtor and the creditor sign it. The copy of the document you have sent me is the application form, which shows my signature alone. Therefore this is not acceptable as a Credit Agreement. Currently, you are in default of my request dated 7th February 2007 under sections 77(1) and 78(1) of the Consumer Credit Act 1974. Unless you can provide a credit agreement signed by the debtor and creditor then this account remains in dispute and unenforceable until the dispute is rectified. Please be aware that as of the 21st March 2007, if you have not fulfilled my request you will have committed a criminal offence under the CCA 1974. I look forward to receiving the above. Yours Faithfully She sent one back stating that The CC Regulations 1983 stated that an agreement suppiled should be a true copy Regulation 3(2) states that a copy may omit certain information such as the signature box and signatures and date. It was then passed to Credit Solutions, then HFO and thats when the harrassment started. I dont know why I arranged a payment plan but I do not have hardly any paperwork from HFO certainly no NOA. It was then passed to Turnbull Rutherford. The orginal debt as of 18th April 2007 was £ 4332.41. When Turnbull wrote to me in Sept 2007 it was £6909.72 and as of today it stands at £7630.28. Thats £3297.87 in interest in guessing.. Im grateful for any advise. Should I CCA HFO and see what they have for starters. Thank you. Im trying not to worry but thats prob why I am writing this post at 02.50am.

Hi I hope this copy is better I have removed all personal details...I have paperwork from 2007 if you think this may be of any use against HFO. Thank you HFO.pdf

Thank you so much I am trying to resend another scanned copy. Thank you for all your help. I will have to work on it again tomorrow. I will try and send scan now.

Oh Im sorry but I really cant remember. I have the copy of the CCA sent from Morgan Stanley here. I had thought I had done all I can but I have had many other battles to fight and its now been 4 years as I stated the ball rollidng back in 2007. I also do not have an original NOA just a reminder