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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Delta-Charlie-76

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Everything posted by Delta-Charlie-76

  1. Delta-Charlie-76
    From memory, this was sent to Moorcroft in May 2007, then heard nowt until June 2008 when I was dealing with another account that HFO had also with M & S but this NoA is the first proper correspondence I've had with HFO regarding this particular account.
  2. Delta-Charlie-76
    I don't intimidate easily now, if they phone they get the 'In writing please now b***** off' if they are stupid enough to phone back to remonstrate then I'm like a broken record but the goodbye does get stronger then I set my Mrs on them! One time I asked one woman what part of **** off doesn't she understand! Not nice I know but this is not a nice company to deal with!
  3. Delta-Charlie-76
    Hi Coledog, that is one of my lines of attack as I don't expect to get anything from HFO except threatening letters & phone calls and letters trying to fob me off etc aswell as some nice correspondence with that 'nice' Mr TR...lol!
  4. Delta-Charlie-76
    Tell you one thing I HATE this company, I mean really hate them, I remember the stress they put us through, thanks to this site, I'm more aware of my rights, as for experienced....I'm still learning, I think we all are. There are still areas of debt collection I am unsure of, I try not to advise on things that I haven't experienced or done. I am expecting trouble with HFO of sorts ie phone calls etc but I have a far better way of dealing with them now than I did 2 years ago....if they don't take 'b***** off, everything in writing', set the Mrs onto them, she just turns the air very blue...they don't like my Mrs (she has Aspergers)!
  5. Delta-Charlie-76
    The only date on this is the date of the letter Jan 11th. With my other account I sent the CCA off they just ignored it, the letters come thick & fast along with many calls thats why in the end I went to the Police & OFT!!! I can see that happening again.....however........being a cagger for the last 2 years things will be very different for them this time.
  6. Delta-Charlie-76
    Doesn't say when it was passed to HFO as for how much has been added to the account at the moment is anyones guess. When I had dealings with this shower 2+ years ago, they kept going on about a second account, never had anything about this account until now, so I would guess they have sat on it for two years or more. CCA req off in post on Monday! As for T & Cs I didn't think their own even came into it!
  7. Delta-Charlie-76
    I know all about this so called DCA as I have experience of their tactics!
  8. Delta-Charlie-76
    Hi folks I had a Notice of Assignment from HFO Services re: M & S account (Credit Card I think). Here it is word for word below: Dear Delta-76 Your account, including all legal rights and obligations associated with it has been sold by Marks Spencers Fiin Serc PLC to HFO Capital. Your debt is now subject to HFO's standard terms and conditions. This account has now been assigned to me. As HFO will devote all its commercial and legal resources to the collection of this debt, my responsibility is to assist you in coming to a final and positive resolution with this account. I request you to contact me as soon as possible so that we may work towards reaching an amicable solution on this outstanding issue of yours which is incurring interest charges because of non-payment. It will never be cheaper or easier to settle this debt than it is today. We understand that no-one wants to be in debt and I will do everything I can to help you. If you have any queries regarding the assignment of you debt, please call me on 0203 **** *** Yours faithfully *************************************************************************** I have/had another account with this lot which I haven't heard a peep about from HFO for nearly 2 years now after CCA ing them & getting nowt back except more threatening letters until they got reported to the OFT/TS and Police. This account was taken out in 2004/5, last payment was in August 2007, passed to Moorcroft, then when I was having trouble with HFO originally they said I had two accounts with them, this NoA is the first correspondence I've had with them for 2 & a half years regarding this account. First question, how do NoA work, am I meant to get this from HFO or M & S? Second is there any way they should be delivered in the post? I what my next step will be & they ain't gonna like it! Any help would be appreciated, thanks!
  9. Delta-Charlie-76
    Send them the 'Telephone Harassment' letter & demand they remove any contact numbers they have for you at once, if they keep phoning report them to OFT/TS breach of CPUTR 2008, OFCOM breach Section Section 127 Communications Act 2003 and the Police for breaches of Section 1 & 2 Harrasment Act 1997.
  10. Delta-Charlie-76
    I'm still learning the ropes of the forums, I've flagged post 18 for attention & hopefully someone with the knowledge will be able to advise you accordingly.
  11. Delta-Charlie-76
    I don't see a right to cancel box on either document unless my eyes are bad. I'm going to ask one of the site team to take a look at the agreement for an opinion.
  12. Delta-Charlie-76
    When was this taken out?
  13. Delta-Charlie-76
    Righto!!! Then as I understand it all agreements after April 2006 don't need a signature & tick box will do. Can you scan up what they have sent you if anything? They may have sent you an agreement of sorts but as to whether its enforceable or not we will see.
  14. Delta-Charlie-76
    Did you mean 2008?
  15. Delta-Charlie-76
    As far as home visits by a DCA are concerned, calm down (easy to say), DCA's have no power to be on your property, should one turn up tell them to get off your property in words of your choice, also print off & send recorded delivery the 'threatened home visit' letter which can be found in the debt collectors library, I would also keep a copy handy near your front door. If this numpty turns up, hand it to him & tell him to get lost then shut the door in his face.
  16. Delta-Charlie-76
    Depends on when you took this account out. If its pre-April 2006 (correct me if I'm wrong) then it can be a tick box agreement etc but before that you would have needed to sign an agreement (correct me if I'm wrong). If they want to take you to court, they will need to be sure their paperwork is in order. When did you take this account out?
  17. Delta-Charlie-76
    If this shower phone again, do yourself a favour, hang up on them, if they ring back hang up again & refuse security questions, eventually they'll get the message.
  18. Delta-Charlie-76
    What is this debt for & when did you take it out? If you sent them a CCA request, you wait 14 working days for them to comply, after that you send them the 'account in dispute' letter. If you CCA them & they don't supply your CCA, if that were me - NO CCA = NO PAY!
  19. Delta-Charlie-76
    I always thought they'd need the original agreement if they took you to court. My thought would be along the lines of 'if' they're not supplying the docs, then it is unlikely they have them.
  20. Delta-Charlie-76
    When responding to a Section 78 request, a lender does not have to provide a photocopy or other literal copy of an executed agreement nor provide a copy bearing or some other proof of the customers actual agreement. Dunno if I've done this right. What they are talking about is utter claptrap. I don't know how a credit account with a catalogue works, I'm sure that someone with more knowledge than me will be along soon.
  21. Delta-Charlie-76
    If you've sent the CCA request 2+ years ago & sent the account in dispute letter(s) etc, you should complain to OFT, me personally I would ignore them, keep all their letters on file & keep them handy for the OFT.
  22. Delta-Charlie-76
    What sort of account is this? Credit or loan?
  23. Delta-Charlie-76
    Oops just read your post again, should really put me glasses on. You have a choice, you can either ignore or send them a reminder that the account is in dispute. There other thing I would consider is to make a complaint to OFT & TS via Consumer Direct.
  24. Delta-Charlie-76
    Robbers Way & help....lol...pmsl!!! Fire off a CCA letter to them, don't sign it & send recorded delivery & wait 14 days. One thing I have learnt with this shower of ****, is that they are full of garbage & will reem out all sorts of meaningless threats!
  25. Delta-Charlie-76
    Oh lovely.....a who's who in DCA land!!! Sorry!

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