Here we go again I have sentt CCA to HFO they have cashed my £1 postal Order not provided a thing.. Ive sent the dispute letter some time ago now ...... nothing JUST GOT THIS Received a letter from Turnball etc... Dear..... Our Client HFO Capital Limited ("HFO Ireland") Original Lender B Card Account number We Act for HFO Capital Limited, a debt factoring Company incorporated under the laws of Ireland with co number 446327 ("HFO Ireland") who has been assigned your debt from HFO Capital Limited a group company incorporated in the Cayman Islands with company number MC-13977 ("HFO Cayman") HFO Cayman originally acquirred your account from Barclacard ("theorigional Lender"). For the avoidance of doubt, this letter constitutes further notice of assignment, This letter is sent in an attempt to avoid the need to issue legal proceedings against you. It requires your immediate attention. If you do not respond witthin 21 days of the date of this letter, legal action will be taken against you without futher warning. Your liabillty for costs may increase. Our Clients Claim Blah Blah Blah Faliure to respond 8% above bank interest rate Your reply Attached are details of Account Transfer tp HFO Limited Orginal lend B Card First Assignee HFO Capiotal (HFO Cayman) Current HFO Capital Limited (HFO Ireland) Account Number......... Case Number....... Date of Assignment from orginal Lender to HFO Cayman ??/08/2007 Date of Assignment from HFO Cayman to Ireland ??/01/2008 If you need more info i will type all in Ive had no response to my CCA? what does futher notice of assignment can they reasign when in dispute? Any help appreciated

Hi Today received B Card : copy of orginal Application so tiny - Still nothing stating who sold too HFO 72 hr notice of Litigation to my home address(Only posted dispute letter yesterday) stating they are clear i am unwilling to pay (LOL) no response from them for my request at all Do i ignore this or respond

is this letter ok to send Dear Sir/Madam, Notice before Legal Action I enclose a copy of the letter I wrote to you on 18th April 2011. I have given you a reasonable opportunity to act upon my complaint. Which, you have failed to do. If you persist in contacting me at work when I have written and verbally requested you to use an alternate contact address (as above) and in writing only, I will commence legal action for compensation for harassment, and will also contact the police re: criminal harassment. OFT Guidance Unfair Practices: Para 2.2 g g. it is unfair ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, OFT Guidance Unfair Practices: Para 2.6 j j. acting in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care by running the risk that it could be read by third parties. Yours faithfully

Nothing in the letter and package says who and when it was sold nor does it say if more to follow from Barclays the 2nd which was a package as i had the account for some time was sent registered delivery and I had to sign for (just printed my name)

NoA???? i will look over the weekend

Thanks for this I will try to incorporate.

Looks like the information from my SAR is arriving in batches I have recived statements today letters, reports & collections but still no agreement or notice od assignment But still time Nothing from HFO yet and I think my 12 + 2 days are over now

Hi Thanks for the content advice will get sent out asap Do DCAs send things recorded delivery? as i have come home to find a Royal Mail Card delivered for a Recorded Sign for Packet and i am not expecting a delivery of anything?

thankyou is there one on this site as i can not find one Paula

Think Friday i can send my dispute letter as still no response to that Called barclaycard and asked for copies of who and when they sold in writing

Hi All Another letter same one as previous 2 (1st to work) (2nd to home) (this one work) But to work again :-xeven thought i have sent a letter (recorded post ) to only contact me using my home address and to remove all work details. I guess more evidence for regulators Is there something i can send to them as even with a written request to remove these detail they have not.

Hi all received emails back form my complaints made which is good just have forms to sign so they can use them:) also received reply to SAR all i have enclosed is statement from 2005 - Apr 2007 says in letter they are sending all personal information they have on me . Copies of statements enclosed with this letter No signed agreements No sale details I am so lost

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Hi all The same letter received today "Using home address" dated a different date saying the sam as before 7 days to get in touch (do I ignore and wait for a response to my cca) Also checked my Credit rReport with Equifax No Barclaycard on at all Just HFO Services Ltd has a default date of May 07 (last payment to Bcard May 06)????

Hi All How does the 12 plus 2 days work over bank hols all my letters sent on 18th April guess they would receive the 19th Im having a moment sorry