HI EVERYONE I AM NEW TO THIS SITE,
I am emailing you has i have received a letter yestaday from Hfo debt collection
there are located in surrey,There sent me a letter reguarding an old debt from over 7 years ago which was from originally Barclaycard and there sent me a photograph of my street where i live and a copy of my credit file
.This is the 1st letter i received reguarding this debt in years.
Before realising how old the debt was i offered them a monthly payment and there refused the payment i offered them.And said there are going to take futher legal action against me and there are going to send me to court and said bailiffs
could come to my home.And This Dispute is over a 7 year old debt which should be now expired.
I did know the debt was old but, When i realised the debt was 7years old,I asked them for the credit agreement and the statements of the debt from the orginal creditor which was barclaycard and there told me it could take them up to 4 weeks before there get the paperwork from the orginal creditor.And my files are all ready with there legal department.....
i would like some advise on what to do.Has i think this debt collection agency is been unfair and i think there are breaking the law by taking photographs of my street and sending them to me though the post.
So far ive reported them to tradeing standards,consumer rights,office of fair trading,and the Ombudsman
could ANYONE kindly reply with some advise for me please what to do