many thanks, if there is anything else i can tell you please let me know

i do have to say that where we have been used to getting calls every day, we have now not had any for nearly 48hours

although the man that called me was speaking with an indian accent i can not say that i know that it was coming from overseas. the number was always with held. please, what is a cpr? i asked barclaycard earlier about what information they could give me - they said nothing. i asked about a sar and they said that any request for information had to go through hfo. is this right? i thought htat id have to send it to barclaycard direct

1- mrs --------- you do know that your husband is a coward and for this we will make him pay more 2. You are going to have to now pay double unless you pay me today 3 i am going to make sure that you are left with nothing this said it was always a very calm voice i really feel that i want as many people to know as possible what could happen if you take out a barclaycard, one thing is for sure, they dont tell you about all this in the smallprint. How can such a large company refer thing to such cowboys. Have barclaycard failed me on data protection here? They must have overall responsibility for what happens to their customers info?

I see. What is my next step? Do i get a sar or reply to the court or both?

Claimant; hfo capital limited, riverside 2, sir john rogersons quay, dublin 2, ireland throughout all this whenever i have been called or my neighbours, they have called themselves hfo services / hfo collection agency and only now do they call themselves hfo capital

The claim is for monies owed to the claimant by the defendant pursuant to an interest bearing credit agreement regulated by the consumer credit act 1974. The claimant was assigned the defendants debt and all rights and obligations attached thereto by barclaycard (the original lender) the defe has been provided notice of assignment previously. The claimant claims contractual interest pursuant to the terms of the credit agreement at the rate of 17.00 per annum from the date of assignment to the date of judgement. The claimant is also entitled to claim post judgement contractural interest on the same terms. Full particulars of claim to follow inaccordance with the cpr practice direction 7c (para 5.2) does this help, what figures do you want to know?

Im trying to write all this down! Do you want the particulars of claim word for word?

Circles are an understatement

I spent 4 hours on the phone to them last night, phoned about 10 different numbers, they kept hanging up on me before finally telling me to call back today, when i got throug they said thatt hey had sold the debt in august 2005, i asked why i was not informed and i was then told that for any further info i would have to contact hfo - which i will never do!

Please can i very quickly say that the responce to this is heart warming, thank you so much!!! My wife is sitting here in tears!

I rang the sols and said about s/b and they said that although i had never acknowledged the debt they had information from my mortgage and credit history proving i live at my present address. I would like to reiterate that i have never spoken to hfo, my wife once when contacted asked tht any correspondance be sent by post and not to call us again, but this just made it worse

Particulars of claim the claim is for monies owed to the claimant by the defendantpursuant to an interest bearing credit agreement regulated by cca 1974 claiment was assigned debt and rights by barclaycard. The defendant has been provided notice of assignment previously, then a bit about 17% interest and more saying that i will receive more infoin accordance with cpr practice

Afternoon all, i am here as a matter or desperation and am looking for some good advice. 4 months ago i started to recieve some very strange calls from this company/outfit, claiming that i owed them money as they had bought the debt from barclaycard. Without any confirmation i hung up and looked them up online (wish i had found you guys sooner). Everything i found made me believe that they were trying to [problem] me so i did nothing. Everytime they called i would just hang up (sometimes upto 8 times an evening) and hope that they would get the message. Then they stepped it up a gear, calling my wife during the day, telling her that i was an f£££ing coward, how baliffs would come to my house and take everything etc. They have called 3 of my neighbours telling them that i owe money and that i should call hfo as a matter of urgency (i cant believe that this is legal???!) 2 weeks ago i received a letter (first ever ) from turnbull rutherford sols telling me that hfo had instructed them to start legal proceedings. This morning i received a claim form from northampton county court bulk centre - now a bit worried i did take out a barclaycard back as a student (200 limit, last payment according to barclaycard 7th dec 2004) i do not still have the card and have not heard anything from barclaycard about an outstanding balence or that this apparent debt was to be or had been sold to hfo, i have had no other contact with hfo prior to the recent ever. I am being asked to pay now nearly 1300£ by way of interest and costs. I have phone barclay card and they will tell me nothing my neighbours are happy if needed to make statements. And i have 3 tapes of a man from hfo basically abusing my wife. There seems to be so much wrong with all of this and i just want to know if anyone can tell me what i should do? Many many thanks in advance