Here you go DonkeyB. Let me know what you think. Notice on second page , No signature. Plus the address they supposedly sent it to , i haven't lived there for 6 or 7 years PDF letter will return after i've fixed it . Cheers DonkeyB:-)

Hi DonkeyB. Thanks for your enquiry. I received a letter from HFO about a month ago , well after the 12 + 2 days for the CCA letter i sent in may. In it i got a photo copy of my card application with terms and conditions along with a letter from Barclay's dated July , which is weird because i went to Barclay's in may to see what the hell HFO was talking about and lo and behold no record of me on their system. Therefore it got me thinking the letter must have been falsified. Since then i have decided to ignore the letter and any other letters i may receive from HFO. I'm i wise doing so ? Thanks again for everyones help .

Hi .Sorry it been awhile since last post. Just to let you know how it is going with HFO . Since i posted CCA letter last week I've not heard anything back. it's not been 12 + 2 days yet though. So here's hoping . Oh and i have since had credit report back as well ( report says that i.ve got very good rating and no black points on it ),HFO have checked me out 3 times. So maybe they are just chancing their arm? Well lets see what happens next . will keep you all informed. Thanks again for all your help.

Thanks again guys . By the way i tippexed my name out of the threatogram as you put it Donkey LOL Just posted cca to them . Cheers for advice .

Please find attached my 2nd letter. If you could please read it and let me know if i should be worried about this? Still waiting for Credit report but have send a prove it note to them. My next aim is to send a SAR to Barclay's. Is there anything else i should do in the mean time? Please help getting a bit worried about it going to court. img071.pdf

Just received a letter from HFO asking me to call with in 72 hours ( which i won't) or debt will go to court. Funny thing is got first letter on 4th with 14 days to call and 7 days later get second asking to call in 72 hrs . weird. I guess it is HFO's way of scaring you into calling them . Must send Prove it letter tonight.

Hi Donkey and thanks. Before i refute the content of the letter , should i wait for the return of my credit report i requested ( Should get it within a few days) and get as much info on the matter from Barclay's using a SAR. I was also waiting for credit report before sending prove it letter . Is this wise?? Also is there a template letter on the forum i can send to HFO, blocking their attempts to extort the added interest? But in doing this first would it not be saying to them that i acknowledge debt and HFO upping their pursuit of said debt.

Don't know how to delete message

Cheers guys . The point i was making with streetview was that i know the areas i've lived in but not the street name or house number so i can find that by looking at streetview. So when i'm waiting for my credit check i'll send a prove it letter to HFO and see were that takes me . If there's anything else you think i should do please let me know. Thanks for all you help and i'll keep you all informed on how it's going . Thanks again. PS . HAVE ATTACHED BETTER PDF OF ORIGINAL LETTER FROM HFO img070.pdf

I know the address where it was first registered that should help. The rest are just long shots but given time i might be able to come up with last know billing address using street view.

As i was moving around alot (because of work ) , I have no idea were i was when i made last payment. So i should send Barclays a SAR which could take 40 days and in the mean time send HFO a prove it letter and see what they come up with ?

Thank you will send prove it letter . But do you think i should wait to see if i receive anything else from HFO?

Gave myself long lunch break and went down to see Barclay's. Spoke to branch manager . He couldn't find any sign of my account on Barclay's system and because it was an old account they don't keep records. Plus the number given by HFO was card Number and not account number. Should i wait to see if they sent another letter before i send prove it letter? Any thoughts ??? No payments made for over 6 years i think and as for other credit reports , i had one done last year to open a first direct account and all was fine

Well address at time . I've moved seven times since and can't remember the right address

Thanks for info Will rescan letter. Have called barclays but can't remember any of the secerity queations . so have to go into a branch. Wish me luck

[ATTACH=CONFIG]27469[/ATTACH]Hello to everyone at the Consumer Action Group. I must say after receiving a letter from HFO i was at my wit's end , untill that is i thought something wasn't right with the letter and contents . I Googled them and came across this wonderful forum that took some of the worry of me and my wifes shoulders ( But not entirely) after seeing we were not alone in this. A few days ago i received the aforementioned letter entitled REMINDER - NOTICE OF ASSIGNMENT. Now it said i owed £5621.02 For a Barclay card account which i did have but I'm sure it was not for anything like that sum of money . £1500 i think? Is it the 12% interest rate they've added? Even so i can not lie , i did have an account and i fell in to debt with it . It was such a lot time a go ( about 6/7 years ago) and as time when by i completely forgot about it. After reading a lot of posts from other posts am i right in thinking that the account is now statute barred ? My wife is worried that they'll come around to our home and empty the place or remove savings from her account. The dept was before i meet my wife so is the debt mine and mine alone? we don't have a joint bank account and the house is in her name. I have applied for a credit check with Experian and should get info back soon. They don't have any phone numbers and as you've all mentioned i will NOT be calling them. As the letter states ( which i have scanned and attached) , i have 14 days to get to touch. What is my next move? Should i request a SAR from Barclay card and send a Prove it letter to them ? Please can you help to put my wife and myself mind at ease? Thank you for reading and thank you to this wonderful forum. [ATTACH=CONFIG]27469[/ATTACH] img070.pdf