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scottie1977

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About scottie1977

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  1. Well I have heard nothing from hfo services so hopefully that's the last of them but I doubt it.. Robinson way have produced some paperwork but they seem to be photo copies of the loan agreement which does have my signature on and also a print out of all the transactions on the loan. So looks like I will have to pay something to these people to get them off my back, I was considering writing and asking how much they want but not really sure what the right thing to do is now? The last payment I made was December 2005 so it's not yet statute barred so I cannot go down that route. What sort of pe
  2. Update: Sent out CCA's to both Robinson way and hfo Tuesday last week and have had no response as yet, although in the mean time Robinson way responded to my earlier prove it letter stating they have acknowledged my complaint and will cease chasing the debt until they have made further investigation so not sure what will happen now? HFO have also gone very quiet no more phone calls or letters as yet, my guess is they will now start chasing some over poor soul who may be a bit easier to get some money out of or I will they now try going through the courts?
  3. Thanks for clearing that up for me, I will send out the CCA requests on Tuesday and lets see what results I get.Thanks Again Very Helpful and much appreciated
  4. Right just to clarify? I need to send a CCA to both collection agencies and give them 14 days to reply, I also need to send SAR to Barclaycard and Liverpool Victoria (if I can find out who to send it to). Once I have this data what should I do? Can the agencies continue to harass me if they cannot produce the CCA and if the debts are statute barred as I am pretty sure they are how do I get them off my back? I thought it was down to the collection agency to prove that the debts are valid? Lots of conflicting advice if you read through other threads and I am getting a little confused!
  5. Right well I will send the CCA requests to both HFO and RW this week and see what sort of response I get and I will get in touch with Barclaycard and find out what I can from them. I was thinking the same about Liverpool Victoria they dont seem to exist anymore and really not sure what options I have with regards to contacting them? Thanks for the advice and I will keep posting as to my progress.
  6. Thanks for the the response guys, the OC for the RW debt was liverpool victoria and it was a loan taken out in 2003, as for Barclaycard I am again a customer they issued me a Platinum card with no problems so I really cant see how I can owe them any money surely they wouldnt have given me a new account. Is it worth talking to there customer services? I have never received a notice of assignment from HFO services.
  7. I have sent letters asking both RW and HFO asking them for proof of the debt and that I believe they are statute barred which they have chosen to ignore and continue to harass me, so my next step should be the CCA request which is what I thought so I will get those sent out on Tuesday and see what they come back with.I cant remember exactly when I stopped payments but I would say at least 4 or 5 months before october 05 if not longer I did struggle along and may have made a few reduced payment but its so long ago I really dont remember all I do remeber is making a large payment on that loan pr
  8. The robinson way debt is an old debt that was mine, obviously owed to another bank, but what they claim I owe is far more than I remember owing as I said at the time I tried to pay off everything I could and have never heard anything since so stupidly assumed that they were all closed, I have been advised that the default was always there it was just under an old address and it still has a default date of October 2005 which seems a little later than it should be but have been told there is nothing I can do and it will drop off my file in October 2011 which I will have to check on and make sure
  9. To add a bit more info as I have now started a new thread, I have had no issues with debt collectors for about 6 or 7 years hence I havent posted on this site. This all started up again maybe 3 months ago, I did have huge debts and had to sell basically everything I owned to pay what I could off and basically started again, had been living in a rented flat until April 2010 was there for 4 or 5 years and was registered there and heard nothing of any of these debts in any of that time, finally when my credit ratings were back to being good I managed to get a mortgage and buy my own house again,
  10. Re: Help needed with HFO Services Ltd Hi all, My issues with HFO, started receiving letters demanding payment then several phone calls a week from them for a Barclaycard debt that I have no knowledge of, I had a Barclaycard account which I closed down in 2004. I have sent a letter to HFO asking them to prove the debt and advising them that this debt would be statute barred if it did exist at all. As expected they have ignored this letter and carried on calling and received the dreaded 72 hours Notice for payment of the debt. What should I do next? looking through the various threads and Forums
  11. No problem guys, I will start this in a new thread...
  12. Hi all, apologies for jumping in on this post but have exactly the same issues with HFO, started receiving letters demanding payment then several phone calls a week from them for a Barclaycard debt that I have no knowledge of, I had a Barclaycard account which I closed down in 2004. I have sent a letter to HFO asking them to prove the debt and advising them that this debt would be statute barred if it did exist at all. As expected they have ignored this letter and carried on calling and received the dreaded 72 hours Notice for payment of the debt. What should I do next? looking through the var
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