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bradholmes

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Everything posted by bradholmes

  1. The FOS can be very slow unfortunately. Here's how it should work: You write to FOS, detail reasons why default should be removed and include supporting evidence. The FOS then forwards details to HFO at which point HFO have 40 days to issue a final response. You are then given the decision of acceptance of their final response or continuing to a further investigation by the ombudsman. If this has not happened you should contact FOS and ask why. Try to get the personal contact details of the person dealing with your case and put the pressure on. The best way to do this is to write to them asking that they contact you via email, that way you have a more direct channel of communication and this can help speed things up. Have you had any response at all to your complaint with FOS?
  2. I'd fire off a complaint to the FOS, HFO were completely ignoring all my requests to remove a default that had been on my file for too long, even refusing outright to remove it when I complained to the CRA concerned. Complaint sent to the ombudsman and a month later HFO had apologised, removed the info and scuttled off. They are absolute **** and will do nothing honourable at all unless forced to do so by authority or the serious possibility of legal action. Also, here is the email address of their compliance manager, feel free to bombard it with questions: [email protected]. Though I suspect you will be ignored anyway. Good luck! Edit: If you complain to the FOS be sure to explain clearly why the default on your file now falls under the limitations act and should be removed from your file, include evidence to support your claim as they will ask for it and this saves time (statements showing the date of cause of action for the default etc...). I'd email HFO's compliance manager first though, detail the issue and explain you will be complaining to FOS, ICO and OFT unless they remove the default, complain to the CRA involved too and see if this pressure works.
  3. Also, as a matter of interest, I must say the FOS seem to have really woken up, I got the impression there's been some cutting of dead wood and reshuffling there. Chap I've dealt with recently is very much on the ball.
  4. I'll definitely hang around and will gladly answer questions Coledog. I reckon some specific tactics at certain times are what made the difference here so would be happy to share that info but perhaps not in a fashion HFO may see. I'm going to follow this bunch for as long as it takes to see them shut down.
  5. I just thought I'd add: I do not encourage or condone the emailing of pictures of baboon's bottoms to people, however much they resemble the recipient, and would never engage in such activities.
  6. The final episode of this saga has come to an end, HFO's accounts have now been removed from all my credit files, after a year and a half of games I am finally free, thank you to every contributor to this thread for all the help and advice and bravo for the time you all put in to helping folks out. CAG is a fantastic resource! I'm going to be a lifelong lurker here........... Here's the email of HFO's compliance manager, Jodie Toporowski, if anyone needs to get in touch regarding data protection/compliance issues: [email protected]
  7. Just got home, confirmation letter from HFO has arrived, however checked my Equifax report and although they have updated the report, they have in fact NOT corrected the default date. Buggers......Various emails fired off to HFO, FOS and Equifax. Will see what comes of it.
  8. I don't suppose Bart's been sighted lateley has he? Only I'd like to gloat....................
  9. I think you'll find a reputable organisation of stand up gentlemen have beaten you to it.
  10. Donkey Debt Management Services. "Kicking you when you're down"
  11. Game on then Donkey! Mind if I wait until they've removed the default first though?
  12. I wonder how they'd react to being invoiced for all the time I've spent researching, seeking expert opinions and writing letters. I may send them one just for a laugh! If they don't pay up I could hand it over to a debt collector......
  13. Back again folks! My complaint with the Ombudsman has actually worked, finally! There's a new chap who was assigned to it and he's been quite on the ball. After my last letter of complaint to the compliance manager at HFO asking that they acknowledge the statute barred status and that they remove the incorrect default date with Equifax, HFO have written to the Ombudsman to say they uphold my complaint, will no longer pursue the debt and will be contacting Equifax to remove the default from my file. Apparently the incorrect default was one of their renowned "admin errors". Must be the same "admin error" that caused three different default dates with three different CRA's! I have seen a copy of the letter they sent to the Ombudsman but have yet to receive my official copy so I've emailed JToporowski this morning asking for them to pull their finger out.Congratulations to the fan club on one more blow landed!
  14. Congrats! Another excellent result against those vultures!
  15. Just wanted to add my 2p worth to this discussion. Both the information provided to me by various members of the site team and regular caggers as well as the template letters have indeed been instrumental in saving me thousands in relation to a debt I genuinely did not even know existed, for money I never actually spent. Were it not for cag, my life would truly have come to an end.
  16. Received a reply from TR today, I sent the letter to them as when you click on HFO's website, their details now come up. Anyhow, they say they have no record of me as they have not received "instruction" on their client's behalf and suggest I write to HFO at their old address, care of Roxburghe. More roundabout nonsense then, but next letter will go off tomorrow, watch this space......
  17. Could I just add, Magda, I think it would be an excellent idea if you could ask your solicitors for a detailed list of all the issues they submitted as a defence as well as the letter from HFO saying they're discontinuing and then send that to the OFT pointing out perhaps that given the situation they should not have been after you in the first place. I reckon that this sort of evidence, where HFO discontinue when it is pointed out to them that they have no case, is the biggest and best coffin nail for HFO.
  18. Fantastic news! Well done! Another kick in the unmentionables for the muppet show...........
  19. It never even got that far, I beat them off in no uncertain terms with the help of cag, backed them into a corner where they were so unwilling to come near me they began ignoring my correspondence. Now it's statute barred and I've just written to them telling them they won't be getting a penny and to stuff it. So I'm quite happy to be forthcoming about the details now since there's not a thing they can do. The trick for me was pointing out all the holes in their argument and what they'd rely on in court as bs before it got anywhere near that point. All I'm doing now is trying to get their incorrect default date off one of my credit files and get confirmation they will no longer pursue due to sb status. My kung fu is stronger...............
  20. Forgot to add, what's even more gutting about it is that I paid by card or in cash at the bank counter every month for a year and not once did a cashier mention that there was something wrong on the account. Guess they don't pull up the account details on screen when you pay, just accept payment to X account number.
  21. Hey DoH, thing is, I know I could probably put in a claim for the overlimit fees, late payment fees and ppi, however, since I owed X amount + interest and actually paid that exact amount back to Barclays, not a penny more, it would be a bit immoral to now go after them for all the fees and charges they applied, since I didn't actually end up paying any of it. I calculated how much the monthly payments needed to be to pay it off in a year and payed that every month. The problem began when I made one of those payments a few days late, therefore it registered as a payment for February, rather than January and so on. So for the rest of that year, they added the best part of £90 to my balance each month in charges and ppi as every payment I made registered as late. Imagine how fast the interest added up............It's a shame that there's nothing I can do about the fact that this debt exists purely out of charges but hey, we live and learn...........So, although I could probably screw someone over, I'm not sure I'd want to lower myself to the sort of thing that's not miles away from how this dca has behaved.........Sad, really, if I'd realised at the time, one extra payment would have prevented this whole mess.
  22. Interesting. Would the principle for this be that the money went into the pockets of the original lender in the first place? That makes sense........What a pity though, it would make some dca's think a bit more carefully about the sort of accounts they're buying if they were liable as the new "creditor". In my case, only 20% of the amount the dca is asking for is money I actually spent, a further 30 - 40% of the total is made up of late payment, overlimit and ppi fees, the rest is all interest added by the dca. This is why I have fought this so hard, I genuinely had no idea the debt still existed and when I saw what the amount had turned into, not because of my spending but because of all the charges and so on I just couldn't believe my eyes.......If, at any point, someone had said "look, you spent xxx on this card, we understand you thought you'd paid it off but you hadn't, so give us our money back plus a couple hundred in interest (fair's fair)", I'd have handed it over. Trouble is, every time I made a payment, they were adding double that in charges. Why the hell did they never say "Hey, this guy's still making payments each month, maybe he doesn't know he's missed one?" Hitting me with more than a couple of grand in charges and interest? Hell no..........Anyway, just musing.....not intending to try and reclaim anything since I only ever paid them the exact amount needed to clear what I'd spent and the interest it accrued. They never actually got more out of me.Have a good weekend all!
  23. Hi Folks, I have a question, purely as a matter of interest. I've seen a few cases on cag where people have reclaimed the ppi and charges on their accounts. When they've done this has it been claimed against the original lender or the dca who owns the account? It could prove painful for a dca if they are liable for it since they own the account. Thankin' you in advance!
  24. Hey Brig, I see. That's fine and in the case of Callcredit the original lender and the current administrator of the account were listed, this I have no issue with. When it's made to look as though the account has always been with HFO and the default date is in the same month they purchased the account it smells fishy...........
  25. Indeed. I often wonder what sort of a soulless person could behave the way they do and sleep at night. I suppose you just keep lying to yourself about people deserving the misery you dish out.........
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