Thanks Brig They have offered a 40% discount I will carry on and pay Cap1 I would never ring them I will keep on filing their letters under bin

Hi Brig and DX I have received a reply to Brigs letter saying they will not contact me at work with a copy of OFT brochure their letter stated they did not think them contacting me at work was harassment LOL but they said I should pay them not Cap and should ring them to make an offer of a repayment plan I think not they also sent a letter this week offering a discount I think I should carry on and pay Cap1 I do owe this money but will not pay them any ideas

Hi I will do it on monday along with DX advice I just wish that Credit solutions would realize just how people feel at the moment I just wish I would not wake up tomorrow but I will and I will fight them

Thanks Brigadier & DX100 Will wait for your reply I am glad you and DX100 are helping

Hi I started the PPI April Cap 1t took 4 months and several letters they sent their reply with the back page missing and then took another month to send it. MBNA took over 4 months to sort it after asking for the original credit agreement that they stated I had ticked the box said they could not supply it got very confusing as MBNA had five different reference numbers? Should I try again?

They said I only had 3 months to go to the OFT but they did not reply for in a total of 4 months they said sorry for the delay etc ca\n I still complain ? I am now ready to fight for this but I am unsure of how to go about this. The main problem is still Credit solutions ringing work this is very upsetting as I work in an open office

Hi The claim was not successful because they say I signed for PPI insurance Credit solutions phoned again today and I have faxed them a copy of the letter regarding telephone harassment I am going to report them to the OFT . The reply I got from Cap One was the same I got from MBMA for PPI I repaid MBMA back for 7 and a half years and when I paid for statements they only sent 5 years of statements which I had been paying them back which obviously show no cost, PPI etc I feel so ripped off. I know I owe Cap 1 this money but they sold the debt on after I entered a repayplan with them well they can get stuffed and take me to court I am paying them back !!!!!!!!!!!!!!!!!!!!!!

Hi The debt with Cap 1 was sent to a DCA after I made a claim for PPI (unsuccessful) it was returned to Cap 1 I entered into a reply plan with Cap 1 and I was paying £50.00 per month I could not afford this and dropped it to £10.00 then credit solutions started ringing work left 4 messages a day and keep asking for me during the day I have sent a telephone harassment letter and informed them that I am paying Cap 1 I am ignoring them at present but they keep ringing work

hi I am in a payment plan with Cap One do owe them this but credit solutions ringing work 3/4 times a day how do I deal with this any help:-x

Hi there seems to be a lot of interest re:HFO would just like to add my support I have reported them OFT and have received a reply asking can they use my information etc I was really scared at first re let sleeping dogs lie but you cannot hide forever I would like to ask anyone who has dealt with HFO to report them if I can do it so can you ,never been so scared in my life but I cannnot let them carry on and hurt people. If they get their licence back dont Moan you could have stopped them. REPORT THEM and FIGHT BACK.

Thank you I wil send a SAR Thank you to every body else for their quick replys I have spend so much time being scared of these people and would like to sort it once and for all. CAG is a life saver and I hope i can get it al sorted would like not to hide from the mail man any more lol. Will update when I get the information about what to do next. Also should I ignore the letters about the outstanding monies owed on the shortfall?? thank you:smile:

Hi is this for a 2nd loan on the mortgage they were the ones that when for repossion not the 1st mortagees that were paid on time every time it was the second loan i could not afford. Also do i send a SAR is that right?? to barclay card or ring both debt are with them. Sorry for sounding thick thank you:smile:

thank you for your quick reply are you sure I would like to stop all the letters not just from HFO but mucky hall as well I would have paid these but all they just keep doing was adding interest and charges i did pay mbna off it took 7 years i had a cc with them at 3500 and paid them back 4890 i know i should reclaim but not ready yet would like to stop hfo at the moment did post under a different id but realise after reading that i was giving them to much informatiom also worried about a secured loan I had my house repossed in 2000 and there was a shortfall of 950 can they still askmfor this back they are sending me yearly statements with the contents no agrrement applied thank you

hi how do you check that cc are status barred without alerting hfo to this fact as i believe barclaycard e-mail them if there is enquiry regarding this also CRA let them know as well they would not stop interest etc have paid everyone else after 7 long years:jaw:

David please dont be so scared the guys on here will help I have spent the last 10 years hidding I know that when the **** at the botom of the pond come for me they will help. Please be brave debt is just a piece of paper your life is worth so much more. They have taken over my life for years I at one point was so paranored that I through they could track me through my pc but not any more. Knowledge is Power and the people on CAG can give you that just listenr keep strong VH

I think if we keep replying to this thread that it takes away the help from people that really need it the ghost must be happy about this as it is obvious that this is a power kick to him well rip ghost because the people at CAG are not that stupid we have the power and the help that we need I forone will never read or reply to this tread again

Hi I did not mean that I do not want your help just trying to keep my head down sorry CD I will need help soon I did not mean to affend you thanks

Hi they have not contacted me for the last four weeks so working on the fact that you should let **** lie at the bottom of the pond I am waiting for there next step after 7 years of paying off everyone who would stop charges, interest and the rest and take a direct debit I finally paid every one off in March my last payment to what HFO are chasing was in SEPTEMBER 2005 so I am lying low after years of being hurt and pushed into a corner I am not prepared to let this pond life get me but if they come after me again I will fight them and ask for as much help from CAG as I can get They really are the lowest of the low and I have been there. Thank you for your offer of help and I will take it up when they come for me again

Hi just reminding people to keep complaints going in to OFT - HFO have been very quiet think they are tryng to keep their heads down hoping that people will forget them and not contact OFT dont let them get away with it they have driven many people including me to think life not worth it with their phone calls to work and their letters. They are hurting people who do not have the strengh to fight them - just like me just tooo scared to fight them. After being so low i have reported them to the OFT thanks to the people at CAG keep HFO at the front and get them never let them be forgotten so that they can start again hurting and bullyng people into a corner again:!: