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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
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