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About findingmy_s

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  1. Is it usual that not all of the debts appear on the £2 statutory credit report from experian?
  2. We have just received the £2 credit report from Experian. One of the HFO debts doesnt appear on there? I will post up the CCA's tomorrow.
  3. I will requesr statutory credit report by post this week. DonkeyB - I did get the agreement copies through the CCA request.
  4. Hi Bandit, My dad wants to pay what he owes - but would be happy to challenge any unfair additional interest that HFO have added. He has managed to pay off 4 similar debts with other companies that have worked with him to agree a fair payment plan. Lloyds for example froze the interest at the point of the payment plan commencing on the agrrement that they would receive an agreed amount per month until the debt was paid in full.
  5. We have the original CCA for both debts from when we first found out that HFO had bought these debts in 2007. What should I do with these? On one of them the small print isnt really legible. I just tried the CRA noddle but my dad doesnt have any cards anymore so not sure how to get the report as cannot complete the verify your ID step? Note they dont contact my dad in anyway since setting up the payment plan, no letters, no calls, no statements.
  6. Hi, I am looking for advice on behalf of my dad on how to deal with 2 debts that were bought by HFO services. This has been ongoing for some time and my dad has managed to pay of all of his other debts via payments plans etc and now only these two are left. The difficulty is that since setting up a payment plan with them he never receives any communication from them - no statements etc so he has no idea what the balance is or how much interest they have applied etc. After a lot of harrassment over the phone which led to changing phone numbers etc and sending lots of lett
  7. Is anyone able to tell me if the document I have posted earlier (HFO Monument CCA.pdf) is a CCA as it says it is a credit application and does not state the APR terms etc?
  8. Many thanks for all of the great advice received so far! Please see attached the two documents we received in response to the CCA requests. Are these the correct documents we should have received? HFO Morgan Stanley CCA.pdf HFO Monument CCA v2.pdf
  9. Hello, My father has two debts which have been sold to HFO Services. When the debts were first passed to HFO they contstantly rang him at all hours of the day and even at work. We sent them the harassment letter that we found on this fourm and the calls stopped. We then requested the CCA for each of the debts. We received these however one of them was photocopy which had been shrunk to less than half of the original size and most of the T&C's are illegible. For the illegible CCA we wrote back to them asking for a copy that was readable. For the other other CCA we wrote
  10. I have two debts which have been passed to HFO, one originally with Morgan Stanley and one originally with Monument. Before the Morgan Stanley debt was passed to HFO I owed £3391.00 and HFO say the amount owing is £4200.58 Before the Monument debt was passed to HFO I owed £1043.00 and HFO say the amount owing is £1423.06. I have boththe CCA for these debts. The Morgan Stanley one has been photocopied and shrunk down so the details of the credit charges etc are not readable. The one from Monument is also a photocopy but is full size and readable does not show any information with
  11. Thanks for your quick response! Yes I have requested and received the CCA from them. What is an LBA?
  12. Hello, I recently sent a letter offering monthly pro-rata payments to HFO Service (letter sent on 11th December) but have not had any response from them. I have already sent them a telephone harrasment letter asking them to only communicate with me in writing. However they are still calling (I have not been taking the calls). What should I do next?
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