Well I finally received a letter from Roxburgh today acknowledging my letter and advising me that any debt collection activity has been suspended whilst they seek advice from their client and that they will be in touch. I wait with baited breath. Still nothing from HFO or OFT whose letters were both sent recorded on the same day. Will let you know of any further progress.

Ok I will send the letter tomorrow and let you know of any responses!

Thanks for your replies, The debt is definately sb, HFO have put the debt on my credit report when they bought the debt!! Yes Coledog I got confirmation from Baraclaycard that the last payment on the account was 19th February 2004. I have a copy of the sb letter that I sent to HFO on my computer don't have a copy of the original or the recorded delivery slip I know it was signed for as I checked at the time but i know that doesn't help!! ( my house got flooded and we lost a lot of stuff including paperwork, this is also one reason why I haven't tried to chase this as have been a bit busy!!) So I will get a letter written to Roxburghe enclosing copy of sb letter (I presume recorded delivery?) and copy in the OFT (does this need to be recorded as well?) should I send a letter to HFO?

Hi All Last year I had an issue with HFO trying to claim on a Statute Barred debt, I took the advice of the caggers that helped me out sent a recorded delivery SB letter on 18th June, surprise surprise heard nothing sent a complaint letter on 6th July and also asking them to remove incorrect information from my credit report, again have not heard anything that is until today!! when I receive a letter headed Notice of Appointment The letter states " We are writing to let you know that we have passed your account to Roxburghe (UK) limited for servicing. Accordingly, please accept this letter as formal notification that from now you must direct any correspondence or enquiries relating to your BARCLAYCARD debt, owed to HFO Capital Limited, to Roxburghe (UK) Limited' It then gives me Roxburghe contact details and what this means for you etc. My first thougts are to send a letter to HFO and Roxburghe and OFT again stating that this is a statute barred debt with a copy of my previous letters attached but really wanted to get advice if I am doing the right thing before I actually do anything!! Any advice would be appreciated

Thats great thanks I will draft one tonight and send it tomorrow with any luck, will obviously keep you posted on any responses

The original default date with Barclaycard was 19th February 2004, the date that HFO have put on it is when the debt was sold to them in July 2007. Brig, I presume that the complaint letter to The Compliance Manager is at the normal address for HFO? and should be about the fact that I have not received a response to the SB letter and should I also state about the credit report entry as well and ask for it to be removed??? and I presume this should go recorded as well?

Hi Still not heard anything from HFO after I sent them the Statute Barred letter on 18th June 2011 sent it recorded and it was signed for (if you can call it a signature!) as it has been nearly 3 weeks now with no response from them do I need to do anything else? Also as this debt is SB what do I need to do to get HFO removed from my Credit file as I said in an earlier post they have put a record on there with a default date of 2007 (which is when they bought the debt) which is obviously dragging my credit rating down. Thanks for your help so far and hope you can help some more

Thank you and I will of course keep you updated with the outcome of the SB letter which will be sent recorded tomorrow.

thanks guys well what I will do is send the SB letter to HFO (a link would be helpful thanks)and also do the SAR that way the SAR time is ticking on whilst HFO are dealing with it and then hopefully by the time HFO respond I will have all the stuff from Barclaycard to defend it, saving time and further crap from HFO in the meantime. I can guarantee there has been no payments since that date because I didn't actually pay it as Barclaycard took the money direct from my Barclays current account at the time without my consent but that is a whole different story and was dealt with at the time!!

Thanks for your reply, i won't contact them then. I didn't get a chance to call Paul Hart yesterday but have done today ( he was out of the office all day) but the lady I spoke to confirmed that the customer services that I spoke to the other day do not have the facility to send out letters also that she could give me any information i required but again that because her and Paul's department only deal with complaints from OFT that she couldn't either!! The info I did get was that the last payment on the account was 19th February 2004 and from what she could tell on her system the last letter sent to me was on 23rd February 2004!!. the debt was sold to HFO Services on 27th July 2007. so i presume that confirms that it is statute barred? even though i don't have it in writing is that correct? do i still need to do the SAR and what next?

Hi All Received another letter from HFO today a "schedule of Litigation" letter, I know I am to send the letter to barclaycard (which I now plan to do tomorrow) should I contact HFO to say it is dispute etc or am I asking for trouble if I contact them? as I have not been in contact with them at all yet. Any advice would be appreciated.

Ok I will definately give him a call tomorrow and will let you know what is said.

Thank you Broken Arrow, they said the debt had been sold to HFO services, I would have mentioned it earlier but didn't realise that there were different ones! and yes I will definately contact OFT when I receive the details from Barclaycard.

but I haven't defaulted any payments with them as they have only just contacted me and I have never had an agreement with them to default, surely they can't just pick a date and put that as a default?

No there was only a default for HFO, barclaycard was nowhere in site, I honestly can't remember if I got a default notice from barclaycard I probably did but it is so long ago now I can't remember!!

Hi, after some advice regarding the above company, I have read some of the threads already regarding them but some specific advice would be nice. last month I received a letter from HFO regarding a debt with Barclaycard many years ago they were asking for £462 if I remember correctly the original debt was for about £100, I then received another letter about 2 weeks ago asking for me to contact them regarding the debt, I then looked into the company via this forum and followed some advice given on one of the threads and contacted Barclaycard asking them when the last payment was made to that account and when and who the debt was sold to. They confirmed that the debt had been sold to HFO in July 2007 and that the last payment on the account was February 2004, I did ask the man to confirm what he had said to me in writing but he said that he couldn't do that to which I replied that I wasn't asking for anything that he hadn't told me on the telephone, he still refused, I then explained that I would put in a request for all my information which they would then have to give me the details , the man said that all requests like that would have to go through HFO, I explained to him that this was incorrect as they hold the information on me so they would have to disclose their records under data protection etc, he was very nonchalant and said it would still have to go through HFO, at this point I ended the call stating that they would receive my request in writing (as I had read that I need to do in another post). As far as I aware I was never told that the debt had been sold and haven't had any communication for many years I even think that the debt might come under the 6 year rule but I don't think I will know this until I request the information from Barclaycard, I still haven't contacted HFO but today received the 72 hour litigation letter from them. I plan to send the letter to Barclaycard requesting my records next week (payday!) and will send HFO a CCA request, am I doing the right things? Also with regards to HFO I have checked my Credit report and they have a log on my history that the debt defaulted in 2007 (this is when they bought the debt not when it defaulted which was in 2004 how would I get this changed? and also with regards to the interest that HFO have added to this debt it is my understanding that if they add interest they need to write to you confirming the interest rate and also send yearly statements is this correct ( I have not received any of these the first contact being from them last month). Sorry for the long post but wanted to cover everything. Any help would be appreciated. Thanks