gwk
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Everything posted by gwk
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Well have sent the sar request to welcome,and a nice reply to the letter our friends at hfo sent me yesterday:-)
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How is everyone today,quite a busy day today:-)
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hello bart
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i assume the default was put on there a while after last payment,anyway its due to come off in a few months so im not to fussed
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I will send HFO and polly ashford a copy of the letter off welcome as soon as i recieve it
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I have e-mailed polly ashford a copy of the first 2 letters which i recieved off hfo
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i have phoned welcome finance back,and they said they are going to send me a letter of confirmation with regards to the last payment made on this account.
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i will send it to the oft,where do i go with regards hfo not complying with my statute barred letter and sending me evidence to back up their claims.
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will i not recieve this information with a sar request or will i have to ask for confirmation in a seperate letter
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I have just got off the phone to welcome and they have told me that the last payment was .26/08/05 for £15,which in my reckoning make,s this statute barred,i will still send the sar request to welcome,happy days:-)
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I have amended the letter broken arrow,is there anything else which you can think of to put in this letter
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Morning all, the debt does show on my credit file but there is no name as to the dca or creditor ,the original amount was £4983, so i do not know where hfo have got the figure of £7714.85 from, the account was opened on the 18/03/04, it was last updated on the 16/07/08, and was closed on the 01/05/06, the default date is recorded as may 2006, i find this totally inaccurate,and misleading. I have attached a copy of the letter i will be sending HFO in reply to their letter on the 1st of november ,i would be gratefull if anybody would take a look at it and advise me if i have missed anything off LETTER_REPLY.pdf
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Now off to bed,thanks everyone for the good advice,will check back tommorrow:-D
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i will definitely send the sar request to welcome tommorrow,can somebody advise whether i have to send one to hfo or will the cca request suffice
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yeah sorry i meant the 28th of october not november,been a long day
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my next step is to send a sar request to welcome,i must admit i did have a laugh when i read the second letter they sent me today:-)
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I have now redone the pdfs so no personal info is visible
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i have sent them a cca request on the 28th of november,along with another statute barred letter,should i just now wait to see what the response is regards to the cca request?
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surely its upto the dca to provide evidence of contact or/and payment,which they havent done
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broken arrow im not to sure what the first letter contained as i have mislaid it,but im sure it was a notice of assignment,im sure the last acknowledgement or payment on this account was over 6 years ago,the dca may have acknowledged the debt but i havent,any way have a look through the letters which i have redone as pdf's,and see what you all think as im a bit lost as where to go next
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I have recently been contacted by HFO services about a welcome finance loan i had about 6-7 years ago,they say they have been assigned the debt by welcome finance. I have unfortunately mislaid the original assignment notice that they sent me,but i have kept the next 2 letters which they sent me,i have sent them a statute barred letter on the 20th of october after i recieved the second letter on the 19th of october,unfortunately i forgot to typo my name at the bottom of the letter,but everything was as the template letter. I then sent them another statute barred letter on the 28th of october together with a cca request.All these letters were signed for and delivered to PO Box 342. I then recieved another letter through the post today(02/11),which i have included with the other letter i recieved from HFO on the 19th of october. I would be most gratefull if someone could assist me with this matter,and give me advice on which direction to take this matter. hfo1.pdf hfo2.pdf
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