I just checked my report with equifax and no sign of account

Ok thanks. Any ideas how this will show on my credit report? Is it worth checking?

Thank you both again! Is this the correct letter: Dear Sir/Madam Ref: xxxxxxxxxxx You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves. We would point out that we have no knowledge of any such debt being owed to The Loan Company. We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question. We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. We look forward to your reply. Yours faithfully Mrs A N Other

Thank you both, I remember your great help last time. So I definitely send the sb letter coledog?

Is it still sb if I sent the £1 request two years ago?

Hi DonkeyB, no nothing came of this. As far as I remember they insisted I pay the full amount and refused the pay plan hence why I discontinued cobtact. I believe no contact was made after November that year and I'm pretty sure the paperwork I received confirmed no further payments were made. If I send the sb letter does this basically say that I acknowledge the debt. Although I am pretty sure of this it does make me nervous. Maybe I should go the long route?

Hello all, I started this post done time ago as you can see and until this week heard no more from hfo. I have now received a letter from hfo stating that they've passed it on to dcw and dcw have sent a letter asking me to cobtact them. I know that no cobtact has been made for over 6 years (6 years November 2012 I believe). Which letter would you now send and to who? Many thanks again!

Also today been forwarded at 72 hr notice of litigation dated 12 April. Have not been able to send the suggested letter as yet. Is it too late to do anything?

Thank you for your replies. Could you advise how to upload please?

Hello all I have today received correspondence from HFO stating: a letter from your account manager is attached for your attention. Please contact your account manager directly if you have any concerns or queries. Attached is a copy of a letter to hfo from citi enclosing 'true copies of the debtors original and final agreements with citifinancial Europe plc.' As stated they enclose a credit card agreement regulated by the consumer credit act 1974 dated 01/08/06 and another 'credit agreement regulated by the consumer credit act 1974' dated 02/03/04. Neither have a signature. Any ideas what this means, as you will probably remember I really am quote clueless. Thank you so much in advance.

Ok thanks coledog, Ill keep you updated.

Hello all, I wonder if you could help me again following on from this thread? Today I have received info from Citi following SAR, the letter reads: Thank you for your recent request for copies of the personal data under s 7 of the Data Protection Act 1998 regarding your account. Please find enclosed: A copy of the personal data provided as part of the application process. Copies of correspondence received from you. Copies of the statements issued on the account. There were no statements produced for this account after November 2006 as the account was sold to HFO. We can confirm that there were no notes of manual intervention produced for this account. You should note that we do not routinely keep copies of all correspondence sent to customers because the majority of our letters are issued by our customer management system, and this does not maintain any records beyond the letter type and the date the letter was sent, and generally this information is only held for a two year period. We have not provided you with copies of the terms and conditions as these fall outside the definition of personal data for the purposes of the Data Protection Act 1998. Similarly, s 7 (1) © only requires a data controller to provide a copy the information constituting any personal data, not the actual document on which the personal data is recorded; therefore we have supplied a copy of the information on the agreement/application. ...... So, the documents they have provided are: a change of address document sent to them on 3/7/06 a letter from myself dated 20/07/06 offering a monthly payment plan as advised by Payplan, including a list of expenditure and income and list of creditors. (This offer was dismissed from what I recall) Application information including, personal details e.g. address, dob,contact no, time at address, marital status, employment details, date application processed, bank details and 'card protection plan insurance - 0 (meaning not requested) and 'Cardholder repayment protection insurance' - 0 (again not requested). statements from Feb 05 until Nov 06. Citi actually sent statements from commencement until Dec 06, the last of which stated 'debt sale receipt' from HFO. Also statements all show cardholder repayment protection insurance from commencement. So I would really appreciate any thoughts on what I have received, all of your contributions mean a lot to me. Also, I have heard nothing from HFO since account in dispute letter. (sorry if any spelling mistakes, second time of writing this through as lost the first! Really should do in word next time!)

Thanks Coledog just noticed your post, hope I have answered your questions?

Sorry the last statement date was Dec 2006 Also a few points that may be useful: 1. The last payment I was made was April 2006 (although unsure of any contact after that until SAR) 2. On the Dec 2006 statement it shows a debit sale receipt of £458 (transaction date 27/11006 Ref Number: HFO debt s...thats all it shows) 3. On the Nov and Dec statement is shows my parents address, however I never gave them this as a new address (although earlier statements do show this address before I moved) ALSO on these last two statements the address is spelt wrong!!! I actually sent them the dispute letter this morning. This letter was arrived Saturday but I was unable to view until this afternoon. Any advice greatly appreciated.

Hi I have actually received some statements from HFO today (had though it was SAR from Citi ). So, like I say they have only sent statements, the last dated Nov 2006. I have some that I have scanned but unsure how to upload. They have sent nothing else other than covering letter advising me to contact when received.