Please Help!!! I have stumbled across this forum and i am in a dispute with HFO. They have purchased a debt i owe to monument 2 years ago but have never sent proof. i am in an arangement with monument and continue to send my monthly payment to monument. last two letters (they dont have my phone number) i have recieved from HFO are confirmation of a monthly instalment plan dated 3 august and letter of default dated 6 september recieved 22 september. when i phoned HFO to find out meaning of default letter i was refered to Turnbull rutherford solicitors. spoke to lady called diana nelson who said she would look into it and come back to me via mobile number i gave her. No response until court claim from wandsworth court from same diana nelson dated 27/09/07. phoned diana nelson who said i had called her too late to stop court claim but just send back acceptance of the debt while she looked into problem. I havent done this but i only have till monday to reply to court papers. Please help. Thank you.