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suzie s

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  1. Hi, i have actually spoke to HFO a couple of times now since my 'card' was delivered (I have been warned on here not to do this - good advice!) but to be honest i just wanted my debt to be cleared. I wished i had not bothered!! They have my number anyway so it was a matter of time till i started getting 'the dreaded calls' lol. They have rang me now nearly everynight for the past 11/2 weeks. The first time i called them I told them how much i could pay weekly and they asked for my credit/debit card details (Like i would really give that to them!?!) I said i didnt have a credit card so they wanted my bank account details, then they said they couldnt authorise this because its a joint account - but they said they could use my husbands account whaaaat??? My husband just basically laughed at them. So now im supposed to pay cash over the counter through barclays bank every week to their account number. Now I keep getting calls from india from the same guy asking if i made payment...yea i did in the manchester branch i said....staffordshire branch? No Manchester! Where did you say..Staffordshire? NO!..Manchester!! Gloustershsire?? Flippin heck...NO...MANCHESTER!!!!!!!!! Miss...xxxxxx there were 3 payments made on the date you said you paid and we dont know which one is yours.... The one that paid the most..i replied!! (at this point i think he knew i was taking the mick) (I didnt pay anything!) as i am going to pay 3g direct!! Honestly...what a bunch of idiots!!!!!
  2. Hi, up till 3 months ago i was able to pay my capitol one credit card but i hit problems and my credit card has unfortunately been unpaid for 3 months. Everytime i recieve a statement i cringe at the charges they are slapping on and to be honest it makes me feel like 'whats the point paying £10/20 (Thats all i can afford at present) when they were only just going to hit me with another overlimit fee anyway because i was still above my limit. Plus its getting to the point where i feel like i couldnt pay off the amount they are asking for now anyway and when i ask for help they just dont budge with these charges, How can they axpect me to catch up when they wont freeze the charges for a month or two? I know this is my fault for falling behind with the payments but they dont want to hear my 'excuses' as the last caller put it, its either pay up or pay out! All i ask for is the charges to stop while i catch up. I really dont know what to do! I'm beginning to panic a little...
  3. I have learnt the hard way! I know phoning these have got me nowhere. I was a little relieved that we hadnt given them any bank details after i phoned them. It seemed like they were trying to grab every little bit of personal info and banking details they could. THE ADVICE ON HERE IS 100% CORRECT!!! NEVER PHONE THESE MUPPETS!! In fact they phoned us today and believe it or not asked for my husband!:o(The debt is mine and mine only) I just told them any communication must be in writing and put the phone down!! (Hey - thats good for me, i'm usually a push-over) lol
  4. Hi!! Sorry for sounding a little thick but how did HFO get the details for this debt if it was wiped out when she was made bankrupt? Who would have passed it onto them? I dislike this company so much....
  5. Ok, i really want to get this debt paid off and i know against better judgement and advice i rang to set up a dd (sorry Patrick, Kalley), my reasoning was 'its only £100, whats the worst they could do?' if it was more i wouldnt have done this mind you! (compared to others problems on here mine seem kinda petty) but what could have been so simple turned into a bit of a farce. I phoned with good intention giving my bank details offering 5 a week because its a joint account they needed authority from husband to set this up. The they told hubby they cant do a joint account cause of policy they definately need credit/debit card detail, hubby refused so then they asked for hubbys bank details. So get this..they couldnt take out of 'joint' account because its in 2 names..but..they were willing to accept hubbies debit card and bank details that didnt have my name on the account at all and were nothing to do with me????????????? He didnt give them anything. (They were cheering in the background, we were told it was because a collegue had exceeded his debt value!!) So thats what you get when you want to pay your debts off...back to the drawing board..
  6. Ok, just phoned them today. ....I know..I know..i shouldnt speak to these people by phone but to be honest i just wanted to see if they would accept my payment proposals. They did but they want it by DD so i need to give my bank details (ermmm? mmm) Also i quieried the £10 amount difference and he explained it was admin 'for removing my default with experian when the debt is paid up in full'. Never come across that before, is that the norm?
  7. I got in touch with 3 today and they confirmed that HFO will be collecting the payments. I am a little worried after reading about the tactics of this company that they are not going to accept what i can offer as the letter states it wants payment in full - no mention of negotiation. Also they have the amount wrong by £10. Could it be a charge or something?:?
  8. Hi, on friday i stupedly fell for a DCA trick and phoned a number on a 'postcard' claiming to be a delivery service with a 'packet'(i explained this in length in another thread) anyhow, today my 'packet' arrived in the form of a letter from HFO services. It is for an old unpaid 3 mobile account i had in 2004/5. I expected this after that stupid card fell on my doormat. I owed in 2006 £108.51 (I have an old bill from wescot) now HFO say i owe £118.51. Now i know i may be overreacting and i do intend to pay this bill as i do owe it (not sure why its £10 more tho?) but to be honest i dont feel happy sending this hfo outfit any money just yet because of the deceptive way they obtained info on me (imitating a courier service etc) The letter they have sent says.. NOTICE OF ASSIGNMENT OF DEBT, WELCOME TO HFO! Enclosed in this package is a letter to you from Hutchison 3G confirming that your debt has been assigned. The entire balance is now due for immediate repayment. HFO will pursue the debt until conclusion. On the opposite side of this letter they ask for credit card details, mobile, work no, email.... The bit that really concerns me is that the 'letter' from hutchison that confirms this debt is now with this company is a bad quality photocopy with a grainy 3 image at the top (i think this is from hfo not 3) Thing is i cant remember my old account number with 3 so its not as tho i can really contact them. I dont have any old letters from 3 to go by, i only have an old letter from wescott from 2006. I might just try 3 anyhow and see what they say? What do you think? Any help much appreciated.
  9. Hi, Thankyou for your help and sorry for posting on the wrong board!
  10. Hi, Last friday i had a blue/white card drop through my door stating to be from a delivery/courier service trying to deliver a package to me. Not being very clever i phoned the number thinking my ebay purchase had arrived! I couldnt get through friday and tried again today. I got through to a girl who promptly asked for my postal code (normal i thought for a delivery) so i gave it. She replied-'Oh, its a package that doesnt need signing for so it is being sent out to you'. I asked why, if it didnt need signing for, did it end up going back to depot and what was the point of sending a postcard by post telling me to ring a number so they can send the package out again!!!! (did not make sense!! - but then it clicked with me - as i do have some debt) by now i kinda realised i had been had.. She told me that they are only a courier service and nothing more, also they send the postcards out so they can confirm that the 'packet' is going to the correct address only. I asked her to confirm that it was a packet and not a letter and she did. (she said the packet was from HFO- Proof - ha!!!!!) Everything condradicts what i have read on here.. After what i have heard i cant believe they are allowed to do businessl in such a decietfull way! Also does 'logistics' mean distribution service? if so is their heading fraudelent marketing/advertising? ...just a thought? I think this company needs to be shut down !!!!!!!!!!!!!!!!!
  11. Hi, (sorry this is very long!!!) I came across this website while i was searching on the net trying to find out about a company that had dropped a strange postcard on my doormat last friday. The name of the company was First direct logistics limited and it seemed (at first) that it was a courier company that had tried to deliver a package. It says..'sorry we missed you, we attempted to make a delivery to you'. It gives a web address and a phone number. I was actually waiting for a ebay purchase to be delivered and thought this was it so stupidly i rang the number. I was told by an automated voice i was in a line and my call would be answered shortly. After 5 minutes i gave up, but left a message quoting a ref no. I tried again today (monday) and got a girl on the line who asked for my postcode (which i gave) and ref no. She replied 'oh, its for a package that doesnt need signing for so it will be with you shortly'. This is when i thought it a bit strange if it didnt need signing for why did it go back to the depot? Anyway, i typed in their email/web address and came up with different things as well as this forum (people who have have dealt with this company before) and now i'm regretting giving them my postcode etc. I have read they work with debt collection agencies to gather information on the whereabouts of debtors. I was livid to say the least!! I couldnt help but ring back and vent my venom down the phone to whoever it was i was speaking to second time round. I asked why was the 'package' not delivered to me and why sent back? She replied that it was because if they deliver letters/packages to the wrong people then they get the blame, so to avoid that, they deliver a card asking people to ring so they can verify they are who they are and the package can be sent out knowing it is going to the correct person. She said the 'package' was from HFO (never heard of them till now!) She also said they were only a 'courier' company and not connected in any way to this other company who they were delivering for. From everything i have read about this company it sounded like she wasnt being very honest. So i politely said i would wait for my 'package' (she confirmed it was a package-not a letter) and i hoped it was something nice! I do have a few small debts that i am paying most of them off (as fast as i can!) currently but nothing huge so i'm not particurlaly worried, i just feel like this company have obtained information under false pretences. Has anyone come across this company before or this type of debt collecting. Suzie.
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