In an earlier letter not associated with my SAR they admitted that they have my records back to 2000. They know full well that this is the start of a PPI claim and are attempting to frustrate me. I have just posted my formal letter of complaint to the data controller so we will see what comes next,

On 4th February I sent the Co-operative Bank a SAR. The first letter they sent was asking for more information. Following my reply they today sent another letter stating that they sold the debt to Fredrickson International so they are now the data holders and not the data controllers and do not have to send me the information that they hold on me. They also kept the £10.00 fee. Can anyone advise if this is correct please? Thank you.

I got the same letter today and I am very happy that I do not have to go to the tribunal to give evidence now. If it was not for this forum I would not have made a complaint to the OFT in the first place. I must say that the OFT and then the FCA were very helpful, they kept me informed and talked me through the tribunal process. Great to know that poeple will not get any more of those HFO letter through their doors again. Well done to all that stuck with this.

That Registration Number comes up as Bhramavira Capital Partners LLP and ran out 29/02/2008. Something is going on here?

HFO CAPITAL LIMITED REGISTERED ADDRESS: 22 BRIDGE STREET, RINGSEND, DUBLIN 4 HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989. REGISTRATION NUMBER: 446327 VAT REGISTRATION NUMBER: IE9673073N The above is from HFO Capital Limited Web Site

The case is in the hands of the FCA and is going to appeal. I have been asked to give evidence against them at the hearing.

I cannot help you with the legal stuff but I do not think you will go to Northampton Court; it should be transferred to your local court. Northampton Court is basically just an administration office. My thoughts are with you at this time.

I sent a recorded letter to FPC regarding my previous post and was not surprised to see the name of the person signing for the letter was Carter.

I guess I was being facetious.

I have just received a letter from FPC (aka Fredrickson International) today. The funny thing is it comes from FPC in one of their envelopes but is produced on lookalike Capital One paper and reads as if produced and sent from Capital One. In my view misleading at best and could even be interpreted as fraudulent. “We write to inform you that we have instructed FPC to act on our behalf”. Why not send your own letter telling me we are now acting for Capital One? Its ok I know why. Because they know Capital One should inform a customer when and to whom they have assigned the account. I will send a copy to TS. on Monday for their view. I have dealt with Fredrickson International before and look forward to dealing with the offspring. The last time they owned the debt and use good old Bryan Carter (bless him), this time they are only acting as an agent. I am not a betting man but I have an idea they will soon send the account back to Capital One. Why do these DCA’s not get it into their heads that if they acted responsibly and stopped being underhanded and ceased the attempts at bullying people and telling untruths, that they would end up collecting far more debts? The moral of this story is never trust a DCA.

Thank you citizenB, I will think of a suitable letter.

On a side note the letter arrived clearly stating IND Ref Number XXXXXXXXX in the window above my name so the postman could see. Is this ok for them to do?

I received a letter today from IND informing me that “our client Robinson Way Limited has been acquired by the Hoist Group.” And that my account has been assigned to Hoist Portfolio 2 Limited.

I would send a copy to Bryan Carter to be on the safe side.

Years ago he increased my direct debit from the court order amount of £5.00 to £6.50. I paid him back by cancelling the direct debit and sending £5.00 of loose change every month by recorded delivery and insisting on a statement every month, the cost of postage was about £3.50 but it was worth it. I did inform the judge and she sent him a “for the avoidance of doubt” letter. I would send him a letter telling him to remove your work number from his system.

I would say that after old Bryan gave up Phoenix sold the debt. First of all don’t worry about this at all others will be along to help. As Bryan discontinued and you therefore did not admit the debt I would say it is statute-barred.

Good news

Will call the FREEPOHONE 0800 030 4101 number often and hope a few members do the same.

Phillips & Cohen Associates (UK) Ltd Building 5, Floor 9 Exchange Quay Manchester, M5 3EF .Dear Sirs, Your file number: xxxxxxxxxxx In reply to your letter dated 18th January 2013. You have wrongly assumed that an estate was left by Mr xxxxxxx xxxxxx and that an executor was appointed to manage the aforementioned non-existent estate. Mr xxxxxx did not leave sufficient funds to cover the cost of his funeral and you and your clients have already been fully informed of the circumstances. I am in possession of a pair of wellington boots that once belonged to Mr xxxxxxx and would happily forward them to you on receipt of a stamped addressed box. I have previously informed you in writing that any future contact regarding Mr xxxxxxxxx would be considered harassment and you may now expect a visit from your local police regarding the matter. In addition I require a copy of your complaints procedure. I do not intend to enter into any further correspondence with you or your clients regarding Mr xxxxxx’s affairs. Please inform your client that they are ultimately responsible for the parasitic actions of their appointed representatives and that their consumer credit licenses will be called into question should an apology not be received from them within 14 days of the date of this letter. I do hope that I have made the position abundantly clear to you. Yours faithfully,

Yet another letter today from Pillips & Cohen Associates. This time addressed to the Executor of the late Mr XXXXX XXXXXX. Our Client, Cabot, has instructed Phillips & Cohen Associates (UK) Ltd to deal with the above account. Cabot has previously received notification that Mr. xxxxx xxxxxxx has sadly passed away. On behalf of our client and ourselves, please accept our sincere condolences. We understand that this is a very difficult period for you, and our intention is to assist you at this time. Phillips & Cohen Associates (UK) Ltd are probate specialists. Our goals are twofold; firstly we need to discuss the above listed balance owed to our client, Cabot. Secondly we would like to explain the probate proses and answer any questions you may have. At the time of the unfortunate passing of Mr xxxxxx xxxxxxx the amount of £x,xxx.xx was owing. It is very important that someone contact us to provide information regarding whether an estate exists for Mr xxxxx xxxxxxx by calling FREEOHONE 0800 030 4101 at your earliest convenience. We assure you that a specialist staff member will be available to help you resolve this matter during the operating hours listed below. We thank you for your assistance, as we understand that this is a busy and difficult time for everyone involved. All future correspondence and calls should be directed to Phillips & Cohen Associates. Yous faithfully,

A recent conversation I had with IND Me Are you part of Robinson Way Ltd Woman We do work for Robinson Way Me Are you a subsidiary of Robinson Way Woman I don’t know what a subsidiary is. Me You should not chase clients for Robinson Way without a Notice of Assignment being sent. Woman Are we chasing you? Me No I am phoning from XXXXXX Council trading Standards. Woman I will transfer you. Me put the phone down. IND are a law unto themselves and will lie to the court. Be ready for them keep calm and you will catch them out. The NoA will be from LV to RW & Co they cannot assign it twice. RW & Co would of needed to assign it to RW ltd as it is a completely new company and as IND are the ones issuing court papers they will have needed to have sent you a NoA by recorded post so you can ask for proof of posting.

Yep

I think the robbing ****** way are scraping the barrel at the moment. There was a time when we had new posts every day on here about them. Don’t you feel sorry for them?

Please don’t run out of time. It costs nothing to start the N252 ball rolling and you may find they make a more realistic offer when they know you mean business.

Spot on