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Everything posted by noro__

  1. Hi guys here is the 2 pictures of letters. and What do you make of them?
  2. I haven't got a scanner... but I can take a photo of the letter and upload to somewhere if that is helpful? It doesnt seem to me like its an agreement, it seems like theyve just asked barclaycard for a balance. Do you think that they are most likely panicking because they haven't got a leg to stand on? What should I do now? Thanks again for all the help.
  3. Hi guys, I got a response. Finally. Its a letter from Turnbull Rutherford, they have given me a "reconstituted agreement" as requested by me... is that what I requested? It looks like a letter from barclaycard, dated 24th January 2013. Just a one paged letter, giving a statement of the account, and then 2 pages of T&C's. Does this make sense to anyone? They have also offered me a settlement of £150 to be cleared by... surprise, tomorrow. Even though I got the letter today.
  4. sorry for all the confusing comments guys. Anyway I have sent off 2 CCA requests today,with the £1 postal order, recorded post to HFO and the so called "Turnbull Rotherford" - who I assume are another arm of the HFO blaggard robot. Is it 12 days I was for a reply?
  5. I can't remember unfortunately if I did send the letter recorded back in June. I definitely enclosed the postal order, I have just reprinted it off. One copy for HFO and one copy for Turnbull Rutherford (a front for HFO?) Also the link above to the "account in dispute" letter isn't working, could you possibly relink? Thanks in advance.
  6. yeah i think I did? it was june now I look back on it. If I didn't should I send again? I send a SAE as well
  7. How do I get it in writing? Would Barclaycard supply this? They werent so forthcoming when I came into the branch.
  8. yeah the last payment was above ^ do I resend off the CCA letter? I didn't send the account in default letter as coledog suggested, should I send that now or start with a CCA to Turnbull Rotherford?
  9. Hello again guys. After a long silence from hfo. I have now come home to two letters, one of which is a letter from hfo instructing that they have instructed Turnbull Rotherford solicitors to act on their behalf and claim the debt. I have also got a letter received today from said solicitors who are saying they are acting for hfo. They are asking immediately that I contact them. What do i do now? do I contact them or not, I thought I shouldn't? and hfo still haven't got back with the cca request.... Any help on this will be fantastic guys.
  10. Thank you assisted blonde That is what I will be hoping for. I've sent the resignation first class special delivery today and also via a scanned copy to the HR guy at head office. I included an apology, and at the end some thanks for their support over the years (if anyone wisehs to see it I will copy and paste the letter). I wont be seeking an appeal nor any grievance. I'm bang to rights, I just want it over with now and on to the important step of getting a new job which I have already made head way, only time will tell if the reference they choose to give or not give is a bad one - in terms
  11. I suppose I am seeming a bit stubborn yes. Sorry, I shall await what the letter back says, I presume it will be either to tell me about the disciplinary or that they accept my resignation. Will have to wait until Monday / Tuesday for that now. Then I can assess whether to go through with the disciplinary, if they don't choose to accept my resignation they obviously will be wanting to make it an official dismissal. Thanks for your kind words.
  12. Thanks Emmzzi, I received 2 more interview requests today, so god willing, out of all the chances I have there will be one person who chooses to give me a chance. One of them was cheltenham and gloucester, I find it not as likely to be anything but a straight no, though I will never know unless I try. I do not wish to still attend the hearing, for example, I didn't bring up in the investigation affects of anxiety and/or stress nor alcohol abuse. So the likelihood of them accepting this in a formal disciplinary is highly unlikely, they will deem it me clutching at straws. Unfortunatel
  13. Well the job I'm leaving is retail, the one I would be going to was either marketing, or IT sales. Obviously I have to rule out my chances of working for banks, insurance, etc in the future. I am panicking I suppose, which is why I'm on here. I have read up though, and as I didnt leave the full premises, and all items were recovered - i.e. it wasnt money and items, so trivial at less than £40, there isnt a criminal act to prosecute for, not one they'd see the point for (I, believe it or not, used to assist on the loss prevention team) and understand what they do and dont want to pursue.
  14. I understand, but do I have anything to gain. I need the time that the meeting will be at the go on a job course, I also know they're adamant I will lose my job, so hence the immediate resignation. I've put everything at risk for one stupid act, including my 4 year relationship with my fiancee.
  15. I don't know if after my preliminary hearing today if that will work, i basically admitted the offence and being in the wrong. i'm well aware that this is going to affect my life immensely now. just wish i could change my actions. Im still in the frame of mind to send my resignation tomorrow, and hope for leniency.
  16. I have been having alcohol issues for a while, not alcoholism as a whole, but it could be classed under that. I also have been treated for anxiety recently too by my GP.
  17. Good Evening one and all. I have to start off from the top. A few days ago in a huge moment of what I can only describe as a mindless act, I stole from my workplace. Or at least I attempted to. I was promptly caught and asked to come back in. This is the biggest single regret of my entire life. I had worked for the company for nearly 4 years and to decide to throw it all away for this is unfathomable. Today i was invited to a investigation, which lasted for about an hour. After this was completed I was then informed after admitting my guilt, and offering no reason as to why I did it.
  18. Hi guys. It's been a while. I sent off the cca request before I went on holiday, that was start of May? I didn't receive a reply in 14 days. I haven't received any phone calls or letters since from rox? Do I now send off the letter that is mentioned above? And why have they gone quiet?
  19. I shall send that letter off tomorrow. How do I complain to the OFT? Once I have sent the letter off to rox then is there anything else I should be doing? Im getting the ever increasing feeling I will be resorted with nothing but to pay them back eventually especially if it is true and the case isn't statute barred because of my payments to hfo - even tho I did panic and pay them I didn't actually receive proof. It was the threats of legal action that prompted payment.
  20. No should I do that now? How do I do that. How do I find out for sure about the debt being either statute or if this ccl business is right then does that make the debt they bought void?
  21. Valid CCL? I'm not up on my terms unfortunately!
  22. Hello again all. I have just been to Barclays and they have given me some details. The last payment made to the account was 07/03/2006. The balance then was unknown. The account itself defaulted 13/09/2006 and was sold onto HFO Capital 24/07/2007 with a balance of £683.96 when hfo originally chased me the "balance" to pay was over 1k. Funny that. What's the next thing I should be doing?
  23. It was a couple of letters, I then rang a number - stupidly - and set up a dd from my bank account to start paying off the debt. I made about 8 payments. Obviously over this time there was no correspondance. I then accidentally cancelled the dd. They sent a few letters and rang a few times, until last month when roxburghe started sending me fairly frequent letters and nuisance calls from landlines, mobiles etc. I am going into Barclays tomorrow. I keep trying to think and I am pretty sure since I opened the card in Oct 2004 I didn't make many payments, naugh
  24. Good morning all. I have been on the phone to barclaycard this morning and they cant trace my account? I have given them the 4 postcodes I can think of the card being linked to and there is no joy with any of them. The lady says she cant searching my full name, which i think is a little bit odd. She said to contact hfo services to find out what the card number/account number is, but i have been advised against contacting hfo by phone. I then found that on a letter from HFO capital Limited (even though on my equifax its listed at HFO Services) So i rang barcl
  25. I don't think so. I heard nothing from Barclaycard for years, I had forgot about the debt and then bam, in comes a letter from hfo services a year ago. I rang the Barclaycard number but its only open weekdays. I presume there isn't anothrr contact I can phone?
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