Hi Donkey, I dont have the facility to scan this but have taken a photo (next best thing). Its just 3 sheets cant see any t&c's with it...

After nearly a month without hearing a single thing from HFO they have sent me a very tatty application form... In terms of small print it is very small not even a magnifying glass will be able to read this.... It has a previous address on it and security questions I wouldnt know along with a signature that is so feint your cant even make it out! I sent a letter on 23rd of May stating I need proof within 7 days and they never responded until 16th June They sent me a covering letter which says: This letter is regarding your case which is being dealt with by HFO Services. A letter from your Account Manager is attached for your attention. Please contact your Account Manager directly if you have any concerns or queries. We look forward to hearing from you. The thing is I have 3 sheets of paper, 1 their covering letter (as above). 1 attached to the application form detailed application form request, and 1 is the application form! So what do I do now?? I was in the middle of complaining to the OFT in writing before this came thru my door!

I've heard from equifax and they advised me again HFO are right blah blah so I'll add this to my complaint to oft ico and ts also they gave me the Sw19 address to write to HFO but want me to call them which I'm not going to!

Just an update. The help I was after from my home insurance I am not covered for ID theft... So I am going to wait and see what I next get (if anything) from HFO. I gave them 7 days from a letter I posted on the 23rd so will wait until 1st June (taking account post and bank hols) then their time is up. I will then write to the OFT and complain (been busy with work not to this week) and send them copies of what they sent to me last and what I have sent to them along with the CRA updates!

good question

haha yes... Well I'm going to post that without the last paragraph and tomorrow during my lunch going to draft up a letter to Barclaycard and sent them a copy of that and start that complaints process...

I liked it its worded stronger than what I originally put. I am going to send it special delivery tomorrow without the last paragraph

Ok this is the letter my fiancee took on and attacked for me now should I send this?

Before I post I have made a claim thru my legal protection on my home insurance I feel I need to run it by them as well as much as every one here has been a big help I need to see if I can also pursue these guys in anyway for this!

I will mark it as a complain to HFO and send a copy to barclaycard. What makes me laugh they only have statements from July 2005 whats happened to prior that. I am dont understand why they sent me statements with just that?

Well Im gonna draft up a letter and so far I have this: Thank you for contacting myself and sending me copies of statements (that i did not ask for). Unfortunately this does not prove to myself that I personally owe the debt only proves that some one owes this debt to Barclaycard (quite considerably less than you have quoted). I am now giving you notice that I require proof that I Signed to this account when it first opened and would like this within 7 days of the date of this letter. Should I not receive a response within this time frame I consider this matter to be closed. Anything outside this time frame or any demands for monies you claim is owed I will pursue this matter I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. Is there anything else I should put?

I was thinking of responding to them that they have 7 or 14 days to comply with my request for the proof as statements is not acceptable! In there quote a few things I've learnt about the oft and the debt and give them the chance to respond even if it's to ask for more information or they need more time but if no response or they respond out of this time frame I then take it further like starting with a complaint to barclaycard! People talk about debts being sb after 6 years this Isnt my debt so technically me disputing this is doing someone a favour!

Not as of yet as I was awaiting HFO's response. Should I do that and copy in HFO and in the process ask them to stop contacting me until the response from Barclaycard? I was thinking of sending them another 'prove it' letter and amend it slightly to say this is not what I was looking for? I feel the CCA request or SAR will be irrelevant in my case!

Only an abbreviation of my first name. on the lastest letter from HFO. Also looking at the first statement that shows payment was taken by DD says dd mandate is cancelled! Now as this is not my debt what do I do next?

Another Update. Today I have received Copy of statements. I have not asked for this back in April I asked them to prove to me I owe this debt. Their exact wording of the covering letter is: Dear xxxx Please find attached a copy of your statements with Barclaycard, which you have requested for. Please contact your account manager xxx on 0203 xxx xxxx in regards to your debt. This was in response the the prove it letter I have attached. To me this proves nothing, and looking thru it looks like its been put under 3 different first names now... 2 on my credit file and 1 from July 05. The first statement shows an address I havent lived at for nearly 7 years and a payment made in 22nd July 2005 by direct debit. The address they show I moved from there in November 2004. Not sure on how to attack this next!

Thanks there's been no post today from these people!

Ok I'm on a bus so won't know if anything has been received until about an hours time via the post! Ive mentioned this to a colleague who's got quite abit of knowledge in the cca area but he's inclined to wait til they respond... But I have legal cover on my home insurance but doesn't cover if im defending the case so if I wait til they contact me that cover may not help! But what I'm thinking Is - should I go to these legal teams explained to them what's happened now and get them to build up a case for this? Or Can people help me draft up a letter that I can send to then so we can tackle them now?

The entry for previous address has been move to current address as if a change if address has been actioned by someone!

[ There was never a default date entered on the original one which was the snapshot taken on 7th April!! I just dont know what to do now as not heard from anyone at HFO since I sent prove it letter apart from them contacting equifax when I reported it as inaccurate them asking them to get me to ring them! It's really alarming that they are aloud to update like they have done!

I have attached the 2 entries one of them was on the snap shot on 7th April and the the other one is the snapshop on 13th May. To me this is dodgy as anything! What does anyone else think?

Well now they have updated under my name and removed the extra intials and put under my current address on my credit report surely this is not allowed.... Its like Equifax has allowed this to happen where should i address it to?

Just an update... I heard back from Equifax who have heard from HFO urging I must call them to sort this matter - no surprise there... But to date I still not heard from HFO personally about this and not responded to my "prove it" letter. Now should I really be doing anything else or should I just wait now and see what else they send me (bear in mind I have not heard from them since the letter on i received around 16th April)?

Hi, Thanks for the advice. I have for now left things be as I still not had a response in the 3 weeks since I sent the letter. Should I receive another I will then act upon it. The only thing I have done is inform Equifax and made them aware of the fraud and got their automated email. So I shall wait and see what happens from reading other threads I expect something to happen soon as they dont seem to go away quietly!

Dont know yet... I just wanted an "orignal" user name! I have taken it from an old saying as big fan of wwe and undertaker - Try Me Ill Make You Famous from about 10 years ago!

Not at all... I had egg cards and a lloyds TSB card!