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  1. Hi everyone, Love the forum and I'm looking for little bit of advice. I had a run in with HFO at the start off 2011 about an old debt i had with barclay card which was over 7 years old then and was SB. I did all the letter sending and never heard from them again. But here's the crazy thing, I now live in Scotland ( since 12/2011 about 8 months after the letters from HFO stopped) and a letter from BCW dropped on my doorstep about 2 weeks ago asking if I was who they were looking for( It was my name on the letter) and if i could get in touch. And if i wasn't the named person to get in touch anyway. After finding out who they were i filed it with the HFO stuff and left it at that. Now yesterday i received another letter from BCW saying they were working on behalf off HFO and would i ring their office to settle the debt from Barclay card which is now about 8 years old and funny enough half the amount HFO wanted and is now more or less what the original debt was. What do you think i should do? Are they chancers and looking for a quick buck? I'm thinking of just ignoring them as going by the first letter they don't even know if i live at the address the letter was sent. They don't have a leg to stand on and don't want to acknowledge the letters in fear off endless threat o grams. Any opinion on this would be gratefully received. Cheers
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