Hi, Please can someone advise me on my working hours I work for a local housing association on a 24 hour contract As part of my rota next week I have been put down to work Fri pm 5.00pm-10.30pm then I am doing a sleep-in which starts at 10.30pm until 7.00am, then I am due to work from 7.00am until 11am then back in that evening at 5.00pm until 10.30pm. This seems a bit much, although my sleep-in shift is supposed to be a sleep-in we can and do get called out at various hours. Any help much appreciated

They have said i have to reply to them in 7 days not sure if i will have time for SAR? Thank you for your help this site saved me from HFO a few years ago dont know what I would have done without the help i received then what a great site :)

Unfortunately i dont have any statements the only paperwork i have is for when they changed my additions account to active in 2010, when i rang them to see if i could increase my overdraft and i was stupidly talked into paying £15 a month and then transferred to someone else who talked me into getting Aviva life insurance at time i had 3 small children so agreed to it to get off of the phone quickly and have stupidly never cancelled any of it

ok many thanks for the replies is there any threads or advice for filling in the forms on here:-)

Hi All, I have received my complaints form this morning to claim back fees, I have had an account with Barclays for 26 years and can re-call the Addition account being added mid 90s when i had an o/d, then they changed it to Additions active in 2010. On the form it asks if the account has ever been joint it was for a couple of years by my ex-husband, the account was originally mine, he was taken off of the account at least 10 years ago now do i have to fill his name in on the form?????! Any advice gratefully received:-)

Ok thanks x

Hi, have had no internet since last week so have been unable to do SB letter will do this evening, just a quick question! Today i recieved the same letter again ( copy of aplication form) however i also had enclosed in the envelope a letter from Barclaycard stating: Ref section 78 of the CCA 1974 it goes onto say please find enclosed a copy of your original executed agreement and a copy of our latest t&c, it then goes on about CPR 31.16 AND CPR 48.1 (2) SHOULD I JUST DISREGARD THIS LETTER and send the SB letter???? thanks xxx

Morning, no i havent sent SB letter yet was waiting to see what you guys said!Shall i delay it another week or do it now? Regards

just another question after trawling through all threads on HFO can a copy of my application form for a barclaycard be used in their defence?

Hi all, well after a period of silence from HFO i have today recieved a letter from them with a copy of my barclaycard application form with my signature on and 3 pages of statements the first dated 9th June 2005 with no payment paid then another statement dated 11th July 2005 with a payment i made 21st June 2005 for £100.00 then a statement for 9th August 2005 it says on the bottom your account is seriously overdue your card has been withdrawn. You must pay £1255.25 immediately followed by a further payment of £103.75 to reach us by 09th September 2005. Where do i go from here? I have paid nothing since 21st June 2005, as always any help gratefully recieved xx

Ok, so not being thick can the beloved HFO still try and take me to court? Aswe know they dont play be the rules. Thanks for your replies silly girl x

I thought that it took until after you missed a payment and recieved a default notice that the debt became SB?

Hi! my last payment to BC was 21st June 2005 so my 6 years are up, although i understand it takes a bit longer to be SB. I havent heard anything from HFO for 2 months ( touch wood!) should i be worried????? When does the debt become SB??? Thanks for any help x

Hi Slick, thanks for that will ammend and send back!

Any advice on sending the above letter anything i should add or change? For some reason some words have no spaces will ob change this when sending letter any thoughts. Thanks

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY Dear Sir/Madam, Please find enclosed PO for SUBJECT ACCESS REQUEST. ( SECONDREQUEST) Further to your letter dated 18th May 2011, requiring meto give you my personal information and identity documentation: Ihave the right to have access to any data you hold on me under theData Protection Act 1998, please note that up to now you have beenhappy to send correspondence containing extremely sensitive privateinformation to my address without prior identity verification. I have to ask if you are concerned that you are sending correspondence to the wrong person why it has taken you so long toraise this? I have written to you previously to request a CCA , following yourfailure to reply I have written to you again to put the allegedAccount in Dispute as I still have had no response. I have contacted the relevant organisations with copies of yourletters to complain about your threatening and most unprofessionalletters, underhand tactics and inability to comply with the aboverequests. Yours sincerely

Hi, im trying to compose a letter to HFO do they actually have a right to ask me for ID? Will post letter up when finished and see what you guys think!

Ok, should i re-send postal order and SAR request?

Ok thanks silly girl, perhaps i should send them my old school reports!

Morning all, I have sent HFO SAR and today they have written to me and returned my postal order. Their letter says- SAR we acknowlegde safe receipt of your letter and note contents. Please find enlosed our application and upon receipt with the relevant identification, we will then forward the information requested. They want either Paspport, Birth certificate, driving licence or recent utility bill. On the last page there is a space for my signature. Should i fill this form in and return it? Strange how they can threaten me then want ID! As always any help and guidance greatfully accepted x

Thanks for that, know i keep repeating myself but you are all sooooooooooooooo helpful. Means so much that people give up their time to help!

Thanks for that, im certainly not an expert on any of this but it looks good to me. Will copy it and send off next week, see what they throw back at me! Really appreciate everyones advice on this, im sure you have saved many mere mortals from going insane!

Sorry but getting a tad confused should i write to HFO as you posted yesterday on my thread or should i send SAR to HFO, they have recieved the CCA and account in dispute letters as i sent them recorded, im sorry if im asking the same questions but want to get it right ! Thanks again

Do you think thats what i should do? Was going to wait a week before sending the idiots a letter, as they put on the letter they sent yesterday i had 7 days to contact them. Regards!

The account was opened in the late 90's, when my husband and i seperated and sold house we paid the debts we could,unfortunately we had our mortgage with GE who charged us a fortune for early repayment of the mortgage im sure that BC were paid off but obviously for one reason or another it wasnt. I have moved several times since then but have always had my post re-directed for at least 4 months each time. So had i heard from BC i wouldnt have ignored the payments as i already have a plan with the CCCS for other debts i would have put the debt on my payment plan. The BC was in my name but my ex was a named cardholder on the account. The first letter i recieved was from HFO on 1st Aril 2011 Reminder of Assigment