Well have sent the sar request to welcome,and a nice reply to the letter our friends at hfo sent me yesterday:-)

How is everyone today,quite a busy day today:-)

hello bart

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

I will send HFO and polly ashford a copy of the letter off welcome as soon as i recieve it

I have e-mailed polly ashford a copy of the first 2 letters which i recieved off hfo

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.

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.

will i not recieve this information with a sar request or will i have to ask for confirmation in a seperate letter

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:-)

I have amended the letter broken arrow,is there anything else which you can think of to put in this letter

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

Now off to bed,thanks everyone for the good advice,will check back tommorrow:-D

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

yeah sorry i meant the 28th of october not november,been a long day

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:-)

I have now redone the pdfs so no personal info is visible

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?

surely its upto the dca to provide evidence of contact or/and payment,which they havent done

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

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