Hiya, They called around hour ago on different numbers the first one I said to contact me in writing and then another lady called and asked if my work address was open on a Sunday as they were issuing me with a Court Summons can they honestly come into my workplace and do this or is this all take I have sent both letters advised and they have said they have not receieved do I send again... The other day they called and asked to speak to my HR manager this is a living nightmare every day I have messages on my desk from them which they have left with people I work with telling me they are taking me to court !!! This is becoming so embrassing and that I owe £15000.00... It is a matter of time before my MD will be made aware of this and these people are making life a living hell at the moment !

Hi All, I have done what was advised they are now calling saying that they are serving legal notice on me at work have sent the letters and they are now saying they have not receieved them what do I do !!

Hiya, This was a email this is the guy which calls me around 8 times a day and 4-6 times a night !!!!

To be honest I am petrified I am a receptionist at present I can control 80% of the calls they are making to me during work hours. At present I am at the point that I dont go to lunch just in case they call and leave anymore messages with my colleaugues I have forced myself to come into work on a number of occassions when I really I should have been at home in bed. This is all ruling my life at the minute and I honestly do not know what to do!!!

It is with regret that I note that it has become clear to us as that you are refusing to pay this debt. Our investigation into your account is now complete and I can confirm that your account has been qualified for litigation. You will see that the cost of investigation has been added to your debt. You are now on a 72-hour notice of litigation. I should warn you that if I do not hear from you within 72 hours, your account will be passed to our solicitors for legal action. This will result in an immediate increase in the balance of your debt because HFO’s legal fees will be added to your debt. You can avoid this by calling me immediately. Once our solicitors have reviewed your case they will issue a claim form against you in the County Court. The cost of the litigation will be added to your debt: this includes court fees, accrued interest and further solicitors’ costs. When we have obtained a County Court Judgment against you, the cost of enforcing our Judgment will be added to your debt. You should seek advice from your own solicitor if you’re in any doubt as to the seriousness of your situation. Your solicitor will also be able to explain to you how we can enforce our Judgment against your income and any assets you may have (including your home). I hope the above is clear and you can see how your continuing failure to contact us is costing you a significant amount of money. You can put a stop to all of this by calling me on 0203-0248435 or 07918762335within the next 72 hours. Yours sincerely, Clinton Bruce Senior Litigation Officer HFO Services Tel: 0-203024-8435 Mob: 07918762335 Email: [email protected] This is what they have emailed me !!!

Hi, Thank you all for your responses since speaking to you I have had three calls in a row from them. I have told them that I do not want to discuss this matter with them on the telephone and would need every bit of communication in writing they are refusing. I now have a direct dial and the mans name is it best to just go to the police. They are now also asking to speak to the MD or Financial Director at my work !!

Hiya, I will do that but they refuse to give me my account number and also their correspondence address. So I am struggling with them at the minute

Sorry but was is CCA !!

Hiya, Thanks for your reply I dont even think they have the right postal address for me anymore. I have received nothing in writing from them for over 2 years so I am just confused I keep asking them to leave me alone but they wont I put the phone down on one and she called me back 8 times asking me who I thought I was and a load of other threats. The calls are affecting my job now as obviously people talking !!! Who actually are these bullies !!

Dear All, I wonder if any of you can help me. I had a loan with Marks and Spencers and missed 3 payments. I got these payments up to date but Marks and Spencers sold my account to HFO when they initially contacted me I started a repayment with them of £50 a month and the representative of HFO would call me monthly and I would make a payment to them. The Representative of the Company had left and I heard nothing from them tried to call them but never got through. Now I am called on average 8 times a day at work leaving messages with various staff that they are a debt collection agency and I must contact them immediately. And of an evening on average four times on my mobile. They have also contacted my next door neighbours as well to get in touch with me and left a similar message as the one's they leave for me at work. What is concerning me is that I am always speaking to different people different sums are given to me on every conversation then I have another company call me who they say are part of HFO so I am completely confused. I originally borrowed £4000. they are now saying that I owe jsut over £14,000. I have asked them to put this in writing which they refuse point blank they are constantly saying I am in court the following week. I just do not know what to do. Can someone please give me some advice please.

Hi I sent my letter on the 24th August (the 1st one) Data Protection including £10.. In response I receieved the usual blurb apologising that I was unhappy. And then another sending my cheque back and saying they will issue me with a schedule of all my bank charges by the 3rd October ( No charge). What do I do now !!!!