Hi, after some advice regarding the above company, I have read some of the threads already regarding them but some specific advice would be nice. last month I received a letter from HFO regarding a debt with Barclaycard many years ago they were asking for £462 if I remember correctly the original debt was for about £100, I then received another letter about 2 weeks ago asking for me to contact them regarding the debt, I then looked into the company via this forum and followed some advice given on one of the threads and contacted Barclaycard asking them when the last payment was made to that account and when and who the debt was sold to. They confirmed that the debt had been sold to HFO in July 2007 and that the last payment on the account was February 2004, I did ask the man to confirm what he had said to me in writing but he said that he couldn't do that to which I replied that I wasn't asking for anything that he hadn't told me on the telephone, he still refused, I then explained that I would put in a request for all my information which they would then have to give me the details , the man said that all requests like that would have to go through HFO, I explained to him that this was incorrect as they hold the information on me so they would have to disclose their records under data protection etc, he was very nonchalant and said it would still have to go through HFO, at this point I ended the call stating that they would receive my request in writing (as I had read that I need to do in another post). As far as I aware I was never told that the debt had been sold and haven't had any communication for many years I even think that the debt might come under the 6 year rule but I don't think I will know this until I request the information from Barclaycard, I still haven't contacted HFO but today received the 72 hour litigation letter from them. I plan to send the letter to Barclaycard requesting my records next week (payday!) and will send HFO a CCA request, am I doing the right things? Also with regards to HFO I have checked my Credit report and they have a log on my history that the debt defaulted in 2007 (this is when they bought the debt not when it defaulted which was in 2004 how would I get this changed? and also with regards to the interest that HFO have added to this debt it is my understanding that if they add interest they need to write to you confirming the interest rate and also send yearly statements is this correct ( I have not received any of these the first contact being from them last month). Sorry for the long post but wanted to cover everything. Any help would be appreciated. Thanks

hi guys just now ive just received a letter from wescot.Reguarding an 2 year old BT phone bill. I refused to pay my bt phone bill and broadband with them has the phoneline and broadband wasnt working properly.people could ring me and the phone wouldnt ring at my end.broadband was cutting out all the time upto 8 times aday.I phone Bt reguarding the matter loads of times.and there just reported the fault and said it will be fixed in 72 hours by sending some kind of signals down through my phone line. but no change the fault just kept contueing so i didnt pay the bill and let them disconnect me from bt. Anywhere last year in march 2010 my neighbour pulled me up and said to me are you mr ------- and i said yes.my neigbour said a company keeps ring for you on my house phone called wescot and asking for you and asking if i am still living at my fixed address.She told me that she told them i still live there and that wescot are sending me a letter reguarding the matter so said ok thanks to my neighbour. The next day I got a letter from wescot credit services reguarding the debt for the phone bill £330.54p.so i offered them a £1 a month and there expected it.At th time i thought just pat this £1 a month to them and it will get them off my back. Anyway to put things short i got bored of paying this £1 a month to them so i stopped paying it 6 months ago .and today i receive a letter from them 1st time since stop paying them saying Our records show that you have failed to maintain the agreed repayment plan .the last payment received on your account was £1 on the 17/08/2010 and as a result the repayment plan is £5.00 in arrears. you have already acknowledged liability for this debt by agreeing this repayment plan,therefore you must take immediate action to clear these arrears. please do not ignore this letter to do so could result you in either us or our client taking action to recover the debt,which may include: 1 legal action against you through the courts. 2 referring your debt to a door step collections agency to carry out collections at your home. do you think i should just start paying wescot again? any advice would be great or help on this matter would be great...

EDIT: please note the dates of the posts, as I've bumped my own thread which was active over a year ago! This is my first post, although I've searched the forums and read up a lot on HFO Services so far but wanted to start my own post instead of hijacking someone else's. Basically, I had a Barclaycard years ago which I ended up missing payments for. I had actually moved house and sent them TWO change of address forms and simply heard nothing back from them, and just kept forgetting to call them... A little later I lost my job at the time and was obviously concerned with my immediate situation, so my creditcard issues were put to one side for quite some time. (I've actually been made redundant from SIX different jobs and suffered a couple more redundancies during this period of time.) A couple of years or so later and I received mail saying I had been passed onto a DCA (although I cannot remember the name of them) and managed to actually pay some of my debt off. The DCA were meant to send me a payment plan in the post but I never received this. After moving house again I sent them a change of address form and still heard nothing back. At the end of last year my girlfriend and I began looking for a house. Our mortgage advisor ran an online credit check on us both (with our permission, of course) and I was surprised to see that the only defaults that came up were from Barclaycard 2 years ago -- no mention of the DCA. We successfully got a mortgage and bought our house, which we have lived in happily for 6 months now. A few weeks ago I received a call from someone saying they had purchased my Barclaycard Debt and wanted to confirm my address - which I gave them - in order to send me some details. I assume these were HFO Services but found the person on the phone very difficult to understand at the time. Last week I received a call from someone at HFO Services asking me for the balance in full of around £1600, which I said I was unable to pay. The caller then said the minimum they would accept as a monthly payment was £140 and asked me for my debit card details to take the first payment over the phone. I said that I had not received anything in writing from them and under no circumstances was I going to give my debit card details over the phone, as I had no guarantee of who they were. The caller took my email address and said she would email me the appropriate paperwork and asked if I could call back the following day -- I said that this was OK but it had to be mid-afternoon as I had an important client meeting in the morning. Sure enough, during my important meeting I faintly heard my phone vibrating in my jacket and checked the message to confirm it was from HFO -- ringing at precisely the time I had asked them NOT to call. I have not returned their call as I wanted to ask for advice before doing so. I have received an email from the caller, containing a poorly layed out and quite unprofessional looking Word document but have not replied. Firstly, (for once) I am in a much better situation financially and DO want to be free of my debt, however, £140 a month is way more than 10% of my disposable income (which I understand is what I would be ordered to pay if taken to court?). What options do I have -- can they really dictate how much I must pay monthly, or is this purely scare tactics? Last year I successfully reclaimed my bank charges from my bank account -- is this something I could potentially do with my Barclaycard also, even though it has now been passed onto a DCA? From my dealings so far, I do NOT like this company at all and if I were to pay back my debt I would much rather do it through some other debt consolidation service -- any recommendations as to where to look for this? I appreciate my questions have probably been asked millions of times before but frank and honest advice would be much appreciated!! Thank you in advance!

Be interested to hear of any HFO cases that have been dealt with in this court.

Hi everyone, Im new here but have been following the HFO threads since I got my first letter from them about a month ago. To put you in the picture I had a Barclaycard debt of about £800-900. HFO are asking for in excess of £2k. The debt itself is well over 6 years old, in fact it is no longer on my credit file as 6 years have passed. No payments made in over 6 years so its definately statute barred. The letter I got today from HFO is the "schedule of litigation" one. To date, I have had no communication with HFO. I have sent no letters and they do not have my number so have not called. I understand that an option is to send a statute barred letter, however after reading these forums it appears that they can cause more problems than they solve with HFO claiming that the letter is admitting the debt etc. Im also concerned they will try this phantom payment thing and I can assure you I have made no payments in 6 years. A lot of the threads here seem ongoing or seem to end with no resolution... I guess I have a few questions: 1. Has anybody been taken to court by HFO for a statute barred debt? 2. If so, what was the outcome? 3. What action (if any) would you advise me to take? Thanks very much in advance for you help. I guess il get my HFO fanclub membership card soon! ;-)

Hi, I've read a lot on this forum about HFO and their brilliant practices. I too am having some good fun with them?!?! Out of the blue in Oct (2011) I received a letter from HFO requesting payment for an old Barclay card debt. I stupidly rung them as I've been trying really hard to get my credit rating back into order for the past few years so now they have my number.. NICE!! What steps do I need to take as a first off? I'm a bit unsure as to what letter I need to send them? (I keep finding posts but none that start from scratch) All I've done so far is speak to them on the phone about once a week telling them this is not my account and not giving them any more details and generally been a pain in the arse as they try to get my date of birth and trick me into admitting I owe this money and that its my account. I've rung Barclay Card who told me my last payment was in Sept 2005 and HFO bought the debt in May 2007. (their first letter was Oct 2011) Does this mean that this debt is more than 6 years old therefore statute bared? Any help offered will be much appreciated

Hi all, I'm new to the forum and no expert by any means on computers but I've read similar stories to my own on here. A couple of weeks ago I received a REMINDER NOTICE OF ASSIGNMENT from HFO Services for an old Barclaycard debt sold to HFO Capital Ltd, stating I owed just under £5000. The number stated by them as the original account number on their letter was incorrect. I therefore wrote to them, recorded delivery, stating I had not received a Notice of Assignment and had no record of the account number stated. I have since received a second letter saying they have attempted to contact me several times, I never answer witheld numbers, though they have acknowledged receipt of my letter on my mobile answerphone. I have also noticed a number of missed calls on my home phone. In the second letter the amount has increased by around £15. I rent my bungalow from the local authority and have been unable to work for over 5 years due to illness, which is how my debts originally arose. I have noticed other threads adising tto ask for CCAs and SARs but in this case the account number is incorrect. I have suspected multiple sclerosis which makes matters like this hard to deal with so would appreciate any advise. thanks Badger

Made an initial complaint to the SRA. they phoned me and asked for further details and gave me the correct e-mail addy to reply to : [email protected] If you have a valid complaint and can document it, then everyone who can complain should do so without delay. I have told the SRA that they will, in due course be receiving daily complaints about our friends fairly soon. I therefore urge anyone who has a problem with TR, get your complaint off now to the SRA. At very least we need to create enough noise to enable the SRA to suspend TR's right to use the solicitors umbrella OFT licence. Without this they will not lawfully be able to carry out the regulated activity of debt collection. Reading between the lines whilst speaking to them, I get the feeling that they already have a significant number of complaints already. If you want action, then help yourself, get writing now !!!!!!!!!! Everything I come accross of significance Im sending them daily. they'll soon get the message. After reading the Silverpoint posts, I cannnot believe how stupid Alice can be for not smokescreening this activity. Is it stupidity or are they having a game with us all, or do they just not give a f*** ??? The net is closing on you Alice, faster than you may think, our secret weapon is about to be launched - aimed at you fella !!! My advice to you Alice - get yourself an Equity Card - you'll be needing it !!!!

Hello all, I was directed here by a few different websites saying this was the place to help with HFO trying to recover a debt I wasn't aware of from Barclaycard. I received the letter yesterday and it was dated the 3rd October 2011. I have never received any other notice from HFO or Barclaycard about this debt. As far as I am aware I never defaulted on a Barclaycard and I do not have one now, although I did have one many moons ago. I have looked at my credit report on Experian, Equafax and CreditCall, the only reference to the debt is on Equafax which states it is a Credit Card from HFO Services Ltd. The start date was 31/09/1999 and the default date was 04/08/2006 and there is an updated date of 16/07/2008. The amount is only for £178.06 according to HFO Services but the default/delinquent balance is £116. What do I do next, having looked around the web HFO seem to have a bad rep. and every bit of advice told me not to talk to them directly and to come here for help? Thanks in advance for your help.

Hi I have today received a letter from HFO services saying that I owe them for a 4879.00 Barclaycard bill. I have spoken to Barclaycard who confirmed that they sold the debt to HFO Capital in 2006. Why has it taken them 4 years to contact me and also why have they added on 1400 costs? Now I will pay the debt, but I want proof first that it is all legitimate. I have sent them a letter saying I want a copy of the CCA and also did a SAR to Barclaycard. I have also spoken to HFO and demanded that they get the CCA. From what I remember, I applied for the Barclaycard online and it was an electronic signature, I never actually signed any paperwork. Again, i will happily pay the debt if they can prove they are holding the account and can provide the CCA. But why did they wait 4 years to contact me. They also say there is a default on my record which is completely incorrect, I have today got a copy of my report from Experien and it is not on there. Any advice on how to deal with these ignorant people would be greatly appreciated Thanks

This site is truly amazing, I've learned a lot all ready. Full Respect to you all - including Coledog Broken Arrow and all the others in the HFO Fan Club! I have read the HFO Barclaycard thread posted yesterday and think mine is very much the same and just wanted to talk through what I think I should do, from what i've read here. 1. This week My father receives Phone call from HFO asking for me - I haven't lived at home for over 10 yrs. Dad doesn't give any details. 2. Whilst at work on Weds (I teach), Reception takes a message for me to 'Ring Ahmed - it's personal - He's not trying to sell me anything' 3. I've received a 'Reminder of Notice of Assignment' Yesterday (Sat 12th Feb). This is the first I've ever heard of them. I've certainly not received any information from them before, as they state 'As you have already been informed...' 4. I have had no dealings with Barclaycard (even though I do have a barclays account!) for 10 years at least. Maybe even longer. I have moved house many times, but the statements were always to my home (parents) address and my parents never heard from Barclays. From all your expert advice I've read so far I think I will.... 1. I would ask Barclays for a SAR 2. Then Send the letter M to HFO 3. Hopefully, never hear from them again! Does this sound a correct course of action. Many thanks for all your advice. Stuart

Hi all, Hope someone can help, HFO services have been chasing me for an account they suggest i owe money for since around 2007/8. I wroite to them asking for a copy of the agreement(s) to which they referred (CCA request). They failed to provide anything and all went quiet. Recently they have started writing again, usual 72 hour notice of legal action, followed by 48hrs notice follwed by another 72 hr notice and so on. As they are very much in default of my valid CCA request of Nov 2008 i wrote and told them so. They ignored this and continued to write, so i ignored them. I now see that they have registered a default against me for the money they say i owe but have provided no proof? A default was registered before, can they keep adding defaults? Can anyone advise the best approach, is it trading standards, financial ombudsman, or direct action? Any help would be appreciated, Cheers B

Like me, Have you been HFO-vered ?? Ive had dealings with this mob for over 4 years now on and off. It wasn't until recently when they started using other tactics. that they have really antagonised me big time. Ive had some dealings with DCA's in my time, but nothing along the lines and extremes as to what this lot will stoop to. Having researched them in considerable depth, I now have my own ideas why they operate as they do and the possible constraints placed upon thier workforce to produce results. These views are unfortunately too sensitive to state here. As is evident from the results of the excellent work of these forums, the only way to hit these people is on thier docs. Remember, the damage has been done, every document now is a matter of record and cannot be undone. It is now up to us, the victims, to sensibly collate these individual case histories and use it against them. There is a very true phrase in life , "Someones strength is also thier weakness". Thier docs are certainly thier Achilles Heel - use it !! Well, fellow Caggers, the time has come for the "little man" to strike back. Im absolutely stunned by the amount of postings on here regarding the strokes that are being pulled by this lot. What is required is consolidation of data and cases. The posts on here are excellent and the lengths that the more experienced caggers have taken to help others is admirable and is clearly total dedication to the cause. We all get in debt in life from time to time, some more than others, and when we all take out those accounts initially, it is all in good faith at the time. Nobody knows what the future holds and how ones' circumstances can change for whatever reason. Whilst it is accepted that DCA's and other forms of civil enforcement are necessary and are part of life, what I cannot and will not accept is the underhand tactics and M.O's of some of these companies. Personally, I am not interested in the morality of whether a debt is or is not due, that is a case for your conscience to deal with. What I am concerened with is fair play and correctly administered legal process and exposing abuses of the system. In respect of this lot, I have already made my own noises to various government agencies, as Im sure many others have, howver, none of us know what is going on behind the scenes, but hopefully they take our complaints seriously. That is your right as a consumer if you feel hard done by. In view of the above, I consider that it is right and proper to use all legal and ethical means to expose the operations of these companies. Clearly there is quite sufficient evidence in the public domain to prove that it is more than a few minor "administrative errors". I am in the throws of launching a website, which will be privately hosted in respect of who-is databases etc as I dont want HFO & Co cyber snooping. The aims of the site will be : Clear concise information taken from statute books to assist members of the site who can only be HFO "Victims" regardless of who the OC is. A database of all cases together with uploaded documentation, case histories etc. All documentation to be "privatised" by the owner so confidentiality is maintained. All info, docs etc will be marked with a case reference number so only the site webmaster, and you, the victim will know these details. You will be able to log into your account at any time to add, delete, update etc. All we ask from you is your co-operation in allowing your details to ultimately be used should any LEA or other lawful interested party require access to these case histories. Access to this site will be by invitation only, and strict verifications procedures will be required. All data will be SSL 128bit encrypted and the site will also be an https "Green Address Bar". Your anonymous data is therefore 100% safe, and you cannot be identified unless you wish to. Part of the site is written, its sitting on a server ready to be launched and will be well optimised and is sure to be found using all major SE by anyone researching our "friends" activities. I will make it perfectly clear here, that any info on the site will be harvested from reputable, factual sources, including the public domain. No wild conspiracy theories or hearsay data will be entertained, nor anything closely resembling libelous nor derogatory remarks. You must keep to the facts based upon your experiences. I am seeking comments and input from other caggers. All input positive or otherwise will be welcomed. I have superb influential contacts in media, TV and government departments, and I will be calling upon these resources as and when the time comes. You would have noted the username. I'm also on CAG under another username but only a trusted few will know that. ************************* ************************* * COMMENTS PLEASE ************************* ************************* * If our "friends" are viewing this post, all I can say to them is, this is not defamation, libel or whatever you may alledge. These are the facts based upon 100's if not 1000's of personal experiences. I call it Justice and Retribution for the consumer, which is well past due. The website referred to above is only for HFO / TR problems, however, should any other DCA come to light who operates in a similar way, then they will also be suitably rewarded with a similar dedicated consumer action site !

Hi, I have an old Barclaycard debt that I think is over the 6-year mark but am not sure. I have moved around a lot over the last few years and have not thought anything about it for a long time. Out of the blue I got a letter from HFO Services, which was sent to my parents house where my bank account and other credit cards are registered. I am not listed on the electoral roll as living at this address or any mobile phone bills, utilities etc, so I don't know how they traced me to my parent’s house. The Barclaycard was never registered at this address. The original Barclaycard bill was for between £400-600. HFO want £1238.52! A telephone agent from HFO called my Dad last week, he told them I did not live at this address, even though I do at the moment. The agent said they would report him to the police for allowing me to use the address illegally. Can I find out if this debt is statute barred without contacting HFO? If it is still active should I ignore the letters until I reach the 6-year mark? Can they apply for a CCJ against me without my acknowledging them? I really don’t want to mess up my credit. They have sent me out a letter, which I assume is “standard” informing me they will seek a Warrant of Execution against me. I would appreciate any help with this. Thanks

Hello, i am in desperate need of help. I got home the other day to find a notice of assignment of debt from HFO for a barclaycard i apparently took out in 2002. ( i have never even had a barclaycard) I phoned HFO immediately asking about this debt, they say that i took out a card in 2002 spent £500 and now the debt has been purchased by them and i owe nearly £900 with charges. i asked for the original credit agreement to be sent out. i then got a credit report and it shows HFO have put a default against my acc in 2007 for the debt. this is really worrying me as i have been saving for a mortgage and now i am worried i won be able to get one with a default on my acc i sent a letter to HFO with postal order asking for the original credit agreement, the original default notice and the proof of sale from barclaycard to HFO. all they have now sent me is a photocopied student application form to barclaycard. since then they have been phoning regularly ( i havent answered the calls) they have left voice messages saying that as they have sent me what i asked for i must phone them to arrange payment. i dont know what i am supposed to do now? as im worried about this defauly. i have read on here something about sending an SAR to barclaycard? any help would be much appreciated as this is worrying me terribly thanks so much misspolly

I will try to keep it short as an sure you have heard it all I recieved a letter from HFO on 12/9/2010 saying they were sold my debt by barclaycard etc, gave me the date it was sold to them, how much it was and now is. Lets say it is nearly a mortgage! in the Tens of thousands. I called them spoke to them, asked for more info and denied all over the phone. A week later i get a letter saying the last payment was made on the account to barclaycard on 24/9/2010. I knew it was nearing satute barred period. I wrote them asking for credit agreement clearly stating i do not admit the claim. I did not sign the letter and included a £1 standing order. It has taken them 1 month to reply with a front sheet of the agreement with my signature on it which i supposed bought me more time.nI got the letter and credit agreement yestarday 28/10/2009. Clearly 1 month and 4 days after the last payment date. of to put it into the limitatons act law, 4 days after "the cause of action accrued" I understand the cause of action as the day you missed first payment which is 1 month after your last payment? (please correct me if i am wrong) I now know that as i have not admitted the claim in the 6 years, have not paid in the 6 years and they have not taken me to court in the 6 years, is it statue barred? I know their is no court claim against me as i did a credit check and it came clear on court cases and i actually asked HFO if they had taken me to court yet and they said no. HFO say no it is not SB as they wrote me in Sept 2010 and i recieved the letter and that is when i contacted them, therefore it does not matter that i did not admit the claim so they will see me in court. What are my chances of winning if i go to court and should i be getting a solicitor involved? They are blooming expensive! Anyone konw something i have missed so far and any other actions i should be looking to take or is it just wait and see time?

Need some general input regarding the legality of Consent orders when claimant did not have right to enter into it

Spoke to an uneducated muppet at BC this morning on a unlisted private telephone number (available upon request) in Kirby (Liverpool) which was thier IT & Data department, regarding the release of statement data and other sensitive info to HFO Services Limited. He did not ask me who I was nor attempt to carry out any ID verification process. He asked me what it was regarding, so I told him it was relating to release of data to a DCA for an impending court case. After I told him the names, (you all know who Im talking about) he said, "Oh well thats OK 'cos they are the same company". I said, "how can they be the same company when they are quite clearly listed at Companies House as separate legal entities, have separate DPA Reg numbers and separate CCL licences." He said, "well I thought that they were the same company." He tried to defend them in every way even attempting to use the analagy that Barclaycard and Barclays "are the same company". I corrected him and informed him that Barclaycard is a registered trading name of Barclays Bank PLC, and that the only other company which closely resembles Barclays Bank PLC is Barclaycard Funding PLC, which as the name suggests does exactly that, provides money (or should I say make believe computer money) to presumably fund the Barclaycard operation. He then made no comment. He further stated that regardless of who 'phones up from DCA's and asks for data, we will supply it if appropriate. This is the intelligence level of some of the people working for these financial institutions. Clearly this idiot should seek admission into another type of institution, not the financial variant I may add !! Have taken the matter up with Barclays Legal, ICO, OFT, FSA. He also gave me the Directors office details to make a complaint to. They are located in Pavillion Drive, Northampton. He claimed that any correspondence received by this office has a turn around time of 48 hours !!. Can pigs fly ? I await thier comments.