Hello I am new to this site but picked up your link via complaints about citcard and HFO Services. I too have had a number of phone calls from HFO services. Last august I completed a remortgage of my property to settle my divorce and 2 credit cards which were settled through my solicitor,as stipulated by the mortgage provider. So all settlement cheques were in the solicitors name, unbeknown to both of us citicard sold the debt to HFO Services, but also cashed the solicitors funds for settlement of the same debt, for which they have ignored two letters from my solicitor. my account was formerly taken out with the associates which was sold to citigroup, and there are other cases on the web where citigroup have persued settled debts. Hope everybody gets everything dealt with, and thank you for the information your site has given me.