I was getting excited then... At least it's something!! I've heard from them again today apparently Letter at home so will post that up on my thread when I get in!!

woohoo another letter sent... shall wait until their next reply Its been 2 weeks since i have sent my complaint to oft not even had an acknowledgment yet when should i write to them again to confirm they have it and looking into it as it was sent recorded like my last HFO letter?

Yeah it was a tough one to put together for me and I was talking to a member of my team who has abit of knowledge in this and is currently studying law part-time and some of the consumer law. We reckon that sort of letter will make them realise I mean business and may put a stop to them but because we know what they are like they may not take any notice!

Hopefully this will be my final draft: Something along the lines of: Thank you for letter dated 24th June For me to meet to your request I need the following from yourself in writing • the additional information you require • the reasons why you need this information • my legal obligation to give you this information Once I have this information I will refer this to my legal representatives and the oft to clarify this meets their guidelines in debt collection. I would like to remind yourselves I will only communicate in writing as should I speak to your operators it becomes an intimidating/harassing experience. Yours sincerely

Ok letter to be done tomorrow and go... I was looking for an easier way and have more evidence that their tactics they are using is illegal and that I could use against them i.e. chasing a SB debt that doesnt belong to me that would make great reading to the papers etc...

I'm thinking I am in this for the long haul... Just when should I send a letter?!?

Ok... I'm in 2 minds what to do... I'm half tempted to wait and see if they chase me after this letter.. Respond to them but take a week to do this in or as I have statements of this account try and hang out until 22nd July then who Evers this debt belongs to it will be SB as that was when the last payment was and then hit them with load of legal stuff about it.... And also forward this to the oft ( they haven't even acknowledged my complaint yet but that's understandable)

oooh maybe put a time frame in?

Something along the lines of: Thank you for letter dated 24th June For me to meet to your request can you put the information you request into writing. I would like to remind you I only want any correspondence with yourself to be communicated to me in writing. I will not call your offices due to your operators harassing and intimidating behaviour on the phone (I may put the second sentence in) Yours sincerely

Wow I got a letter within a week.... It says... I am writing in regards to your letters dated 20th June 2011 (I only sent 1 to them plus my oft letter - yet to have a response to). You have indicated that you have never had this Barclaycard. We need to clarify if you are claiming that this account was taken out fraudulently in your name. Please contact our offices to discuss the account, there is some information we need to gather in order to look into your dispute. Please contact our offices on 08456061573 so that we can discuss the account and to investigate your dispute. We look forward to hearing from you. Yours sincerely Business Support Group HFO Services To me this is their attempt to get me on the phone again and try and abuse me which I am not interested in doing... I am half tempted to sit on this letter for a week and then maybe respond what do you guys suggest?

Feel Free... As time I goes by I hope I will be sharing what I have learned form you guys with others on this forum!

The thing is today I sent out 2 letters the ones I posted on here... So A letter will go to the ICO by thursday (got a meeting tomoz). What else could I send HFO?

Just an update... I asked equifax wherre I should go with the incorrect data on my file and they have advised should I wish to complain and go to the ICO... Here is the detailed response: Thank you for getting in touch. Hfo Services Ltd (I) / XXXXXXXXXXXX7003 The company has investigated your query and have asked that you get in touch with them directly using these details. This information will remain unchanged on your Credit Report. Contact details 0203 4500532 The note that we added, stating that your information was in dispute has now been removed. I’m sorry we haven’t been able to resolve this recent query. If you’d like to continue with this complaint, you may like to forward the details to the Information Commissioners Office: First Contact Team Information Commissioner’s Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF You’ll find more information about your credit report at: http://www.equifax.co.uk/help. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. If there’s anything else we can do for you, please let us know. Kind regards Equifax Customer Services

Is there anyway we can find out how this is going??

Thanks both will go in the post tomorrow!

I have been a palace fan a since I moved this way but over last 18 months became more involved season ticket etc... I was life long Man Utd fan coz my nan was... the 1st game 1 saw on tv was the 1990 fa cup final... Its weird how life turns on ya!

I am also writing to the OFT and here is my letter: Complaint against HFO Services. I am writing to yourself regarding the above company and their actions that I am unhappy with and urge you to investigate this. In early April HFO Services contacted myself on a mobile number they claim I had supplied to them in 2003. This phone number in question did not go live until 2005 and in December 2009 it was signed over to my partner to go on her mobile phone contract account. This to me is a breach of The Data Protection Act by incorrectly gaining data for their personal gain. During this conversation they first claimed I owed a large amount to them regarding a Barclaycard debt. During this call they wanted me to confirm to them my personal details which I refused to do, and during this they accused me of trying to avoid my debts and call the police. I then advised them that I was to terminate the call and they should contact the debtor in question via post as this was not myself. On 16th April they sent me a letter which to me are basic threats on what they can do regarding the account (copy attached). I also responded to this letter on 18th April asking them to prove this debt is owed (again a copy attached). During this time I set up an account with Equifax to view my credit file and I was disgusted to see that they have placed a record on my file but under a different name xxxx at a previous address. With a last delinquent date of 08/05 and default placed In July 2005. When my credit report was created with updates on 13th May this entry was changed by HFO Services and Equifax to Mr xxxx with a default date of August 2005. Both entries have last updated 08/2010. I have taken a screen shot of theses and included them for your attention. I have also contacted equifax regarding these entries and they responded that the company concerned advised its correct and will stay on there and a message from them urging I contact them regarding the debt. I do not appreciate a credit reference agency acting as a messenger to pursue the debt. On 21st May I received copy of what looks like statements from barclaycard via HFO Services regarding this account the 1st statement from July 2005 with 1 payment then 18 months worth of none payment (again copies attached). I responded to this letter on 23rd May (Copy attached), asking them to provide me further evidence within 7 days and if no response I Would consider this matter to be closed. On 17th June HFO Services contacted me again with a very appalling copy of an application form (copies attached). But when you look at all the information that was supplied with this is suggests to me it was also requested at the same time as the first letter to them was received asking them to prove this debt was owed by myself. Today I am writing to HFO Services placing this account into dispute as I firmly believe this not to be my debt (copy for your reference). I now feel I have exhausted all possible avenues with this company and would greatly appreciate your input on this matter. Yours Sincerely Mr xxxxxxx Attachments: Letter dated 15th April from HFO Services Letter dated 18th April to HFO Services Equifax Screen Shots Letter and statements received 21st May from HFO Services Letter dated 23rd May to HFO Services Letter dated 16th June from HFO Services and application form Letter dated 20th June to HFO Services.

Ok I have tweaked this abit Thank you for your letter of 16th June 2011, the contents of which are noted. I am disputing this account as I have never had this account with Barclaycard. As such, therefore, I consider this account to be in dispute and no further action should be taken by yourselves until this matter is resolved.As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt." I would respectfully suggest that this account is returned to the original creditor for resolution of this dispute as HFO Services cannot lawfully pursue any enforcement activities. I have firm belief that this is not my debt. After reading all correspondence from HFO Services and if HFO Services still chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the CPUTR 2008 and the Office of Fair Trading's guidance on debt collection. I need to remind you that this states that it is unfair to send demands for payment to an individual when it is uncertain they are the debtor in question I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully

Please tell me your not part of the plastic fans... You know the ones that were a fan and now a Man City fan coz they won the FA Cup!

thanks GH.. I have been following most of the threads with interest... Hope yours goes smoothly... I havent got to the bit they want to take to court but as soon as they do I will be fully defending... I kinda have a feeling I am a few stages away...

Ok, thats what I thought now the fight is on to get this off my name! I was trawling thru the paper work the covering letter "application form request" was dated 4th May... That was when the statement request was... and when you look at the covering sheet for each item the same person it was sent to or requested by... So to me it looks like they sat on it until this time! I think it should be that account in dispute letter and at the same time get a letter to the OFT and ICO for the records entered on my credit file!

lol... but anyways lets be serious now... I cant see any more I should add to that letter... The photo I took is exactly how that application form looks!

New shirt out today.... And get some pre-season friendly tickets! If I had the money I would buy them! Only started following them when I moved to the area a few years back! Someone has to!

I saw that... Ok... Donkey I cant seem to get the photo over to you by PM... but will look into photobucket and see if I can clear out any personal details that may be shown and will repost to you... Unless you know a way round? Well from what you are saying I feel I need to send a letter to 1 HFO putting account into some sort of dispute. 2. 1 to barclaycard and 3. to OFT, ICO etc. The other thing I should point out from the statements they sent me (looks like computer typed). The last payment was 22nd July 2005 even tho this debt is not mine should it get past this date they legally can not chase for this money? I'm off out now as need to get to Selhurst Park! be back in a while!

I have taken a template from another forum and have adapted it a bit for my case... Thank you for your letter of 16th June 2011, the contents of which are noted. I am disputing this account as I have never had this account with Barclaycard. As such, therefore, I consider this account to be in dispute and no further action should be taken by yourselves until this matter is resolved.As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt." I would respectfully suggest that this account is returned to the original creditor for resolution of this dispute as HFO Services cannot lawfully pursue any enforcement activities. If HFO Services chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the CPUTR 2008 and the Office of Fair Trading's guidance on debt collection. I need to remind you that this states that it is unfair to send demands for payment to an individual when it is uncertain they are the debtor in question. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. this paragrph: I would respectfully suggest that this account is returned to the original creditor for resolution of this dispute as HFO Services cannot lawfully pursue any enforcement activities. I am struggling with that as I have not done cca request as I feel its ID Theft it doesnt apply to me.