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Found 12 results

  1. The sky is starting to cave in for HFO. I have a feeling chicanery is afoot. http://www.consumeractiongroup.co.uk/forum/showthread.php?334112-Changes-at-HFO-Turnbull-Rutherford-%96-Quarterdeck-Law-Ltd&p=3719901#post3719901
  2. Hi, I have recently been contacted by HFO Services regarding a debt they claim is owed by me. I have some doubt that the debt is mine, but it may possibly be. They have informed me that I last made a payment in April 2004, so I sent them a letter explaining it is stautute barred and asking them to not continue asking me for money. They replied to me that it isn't statute barred as although there had been no contact for 7.5 years a default notice was issued in 2006. (This has never shown on my experian credit report). I checked the literature from the OFT (and other sources) and replied again that the debt is in fact statute barred and not to persist. Today I have recieved a letter from Turnbull Rutherford Solicitors giving me 21 days to pay up or face litigation. I have informed the OFT but would like to know if I should reply to Turnbull Rutherford or just wait for a possible court summons. Cheers
  3. Be interested to hear of any HFO cases that have been dealt with in this court.
  4. I checked my credit report today and was suprised to see a default account on there! When I saw the name HFO Services and the amount in question I knew straight away that it was for my BarclayCard in my student days. I did a little research and found out HFO were a vile debt collection agency and that I was not on my own. I also remember receiving a letter from First Logistics several years ago, googling them and discovering that they are a shower of, well not very nice things, and ignoring them. Furthering my research I discovered the best option was to start a thread and seek help on my situation, as each one varies. So, this is my post and any help will be much appreciated. I will of course donate to the site in due course and update the thread as actions progress through the different hoops I am sure, and willing, that I will have to go through. I am also looking to get on the first rung of the eternal debt machine of the mortgage, and this will of course hinder my progress!
  5. 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! ;-)
  6. 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
  7. Well finally have got court papers off HFO services, and do not know what to do now.. Do I acknowledge some of the debt or defend myself.? Quick background... In 1999 I took on a loan with Capital bank, which when divorce reared up I could no longer pay, as my life and head went into a downward spiral. I really cannot remember much, but eventually the debt was past on to 'Intrum Justitia' and from 2005 I paid monthley payments, never mised one as I started to get myself together. This went on to the 22/1/2008 when I received a letter from said company ( I still have it) to state that account had been returned to clients at their request. I rang HSBOS and they said account was closed.. Which I didnt understand as I still owed £5000. The next thong I heard was in Oct 2008 when I had a letter from Turnbull Rutherford who stated I had a principal owing of £6159 plus interest of £4939 !! and tha they confirmed I was an homeowner and were looking to enforce payment by a charging order. Then the phone started. I did speak to them once, but denied owing THEM any money and not to ring me, but to send paperwork . I then got lots of threatng letters for a while then it all stopped. 2010 it started again, Litigation letters, and one ( which I cannot find...which showed a photo of my home etc etc, after finding this site, I sent them a CCA request which was delivered on 23/08/10 . On the 24th I recieved a letter which states in one line " Forward the file for escalation of colection activity, whether by legal action or otherwise" Stating that they will obtain a enforcing judgement by attachment of earning from my workplace...naming the workplace. I do ont know how they found out where I worked!!! I decided after this sod them, nasty S.O.B's, and that I would rather deal with court than them.!! I finally got a photocopy of my credit agreement on 17/9/10 I have about 48 hours to reply to court hearing. Any help and advise is sorely needed!
  8. 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 service, could ANYONE kindly reply with some advise for me please what to do Thank you
  9. Hi guys, There are a lot of threads on this site already dedicated to Roxburghe (RB) / HFO Services (HFOS) and Hutchinson 3G (H3G) but I would like to bring to attention my own case as I have a few issues that I hope to seek advice for (... and apologies if you guys are bored to your back teeth with more of the same recurring themes ). My experience with HFOS and RB has been distressing and upsetting. They appear to use deceitful and dishonest tactics to bully their victims into submission and I am determined not to let them win. I have no knowledge of the alleged "debt" for which they are attempting to recover as I closed my account with H3G with a zero balance back in 2004. Background details (pieced together from recollection and the very little written correspondence I have had with the trio of aforementioned companies): 24 July 2003 : Contract with Hutchinson 3G for a mobile phone handset and monthly tariff underwritten for £38.00 per month 28 December 2003 : Due to extremely poor reception and quality of service (phone call drop-outs, SMS messages not being sent / received) I cancelled the contract via a telephone call. The service centre employee was happy to oblige under these particular circumstances. No written confirmation given. No further written correspondence from H3G (including bills) March 2004 : H3G informed me of an outstanding balance of £49.84 from November 2003 30 March 2004 : Final balance paid to H3G 09 July 2008 : I received two letters from HFOS titled "Notice of Transfer" and "Notice of Assignement of Debt". The letters stated that the debt was assigned by H3G on 31 July 2007 for the amount of £173.20. The signees were 'D Hashan' ("Telecoms Team") and 'Jane Parker' (Manager, "Telecoms Team"). The Assignment letter claimed to include a letter from H3G stating that the debt had been assigned. There was no such letter included in either items of post. 01 August 2008 : I responded to Jane Parker expressing my surprise. I stated that to my knowledge there was no outstanding balance with H3G. I also noted that there was no letter of assignment from H3G included in their correspondence. I received no further mail from HFOS. 24 November 2009 : I received a letter from Jonathan Stock at RB stating that the debt had been passed to them by H3G (not HFOS?) and the amount to be recovered was £298.21 (!) 27 November 2009 : Feeling empowered by various forums (possibly this site) I found a template letter stating that I do not acknowledge the debt and require documentary evidence that the debt exists. I made the schoolboy mistake of signing the letter... December 2009 : RB responded with a compliment note (no letter or explanation, not signed or dated) stapled to a printout of a screenshot of the H3G accounts software with what appeared to be a ledger of my account with H3G. This ledger showed that H3G continued to bill me for 4 months after the account closure. A balance of £163.20 is visible on 28 May 2004 and this is flattened with an adjustment on 6 June 2007 (possibly the sale of debt to HFOS). As this screenshot in no way constituted proof of an outstanding debt I chose not to humour them further and to get on with my life. Oct 09 - Sept 10 : RB continue to send SMS messages to my personal phone and leave voicemails from random mobile numbers pretending to be solicitors and requiring urgent response. Solicitors do not work like this. I ignore them. 25 October 2010 : I received a letter from Nick Krauspe of RB stating that I agreed to make a payment to them as part of a plan to settle my debt. They state this agreement is legally binding and as I have failed to make a prompt payment they will charge me £12.50 for the pleasure. The letter also mentions HFO CAPITAL LIMITED for the first time? I am HIGHLY concerned about this letter as it would appear that SOMEONE has entered me into a CCA without my knowledge or consent (possibly by lifting my signature from previous correspondence?). If this was the case would it reset the timer on the "debt" to avoid being Statute-Barred? Should I send a letter to RB by special delivery demanding to see proof of this "agreement" such that I can forensically analyse the content (if it exists) and thus be in a position to take legal action? I have signed up to CreditExpert to check my credit report and hope to complete this in the coming days. I will attach censored versions of all the correspondence I have had in the next posts in the hope that you can give me the confidence and empowerment to fight these intolerable, abusive, dishonest scalliwags (!). If you can help then I will happily donate the entire alleged debt amount to CAG (and even if you don't I may well dig deep as you give many others the courage to speak up and fight their cases). Many thanks in advance.
  10. My elderly parents (90) kept being harrased by HFO as I lived with them for a short time, I now live in America. I finally got hold of a letter they sent my Father and sent them the prove it template, and told them the debt was over 6 years old. I have been emailing them. Today I got an email saying that indeed the debt is over 6 years old, but they still want my current address to send me stuff, what should I do? If they have admitted its over 6 years old isnt it now SB? can I just tell them to go away now? this is a copy of what they sent me. Having obtained the relevant information, I can confirm that: · The last payment was made over 6 years ago. · The address we wrote to was obtained by trace activity as you did not inform us or Barclaycard of any address changes. Had you notified any changes, we would have been able to contact you sooner to resolve this. I can also confirm that efforts were made on Six(6) instances by sending you letters on the address we had for you on our systems starting from 2007. Kindly provide us with a current address for you for further correspondence.
  11. 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 !
  12. I am writing this on behalf of my father and would appreciate any feedback and answers to my queries. Here is a detailed history of the correspondance, please bear with me: He recieved a letter in Oct 2008 from Turnbull Rutherford Solicitors claiming to be acting on behalf of HFO Services (I have since found out these companies are linked) with an outstanding account of over £1,000. He ignored this letter having never had a debt with HFO. HFO contacted him by phone and told him they were collecting on behalf of Monument for a credit card he had. At no point has either Monument, Barclays (monuments holding company at the time) or HFO informed him in writing that the debt from Monument was purchased by HFO. First question - Is that legal? should they have informed him of this or not? About a year later after phone harrassing he agreed to pay £50 a month DD (over the phone), they sent a letter in Oct 2009 detailing the direct debit with a direct debit agreement attached, he did not sign the agreement but the letter does state that he doesnt have to take any action and the DD will go ahead. What is strange is that in this DD agreement letter the debt has decreased from over £1000 to £662 before any payments have been made. Sensing this was a bit suspicious he spoke with the Citizens Advice Buereau who gave him a template letter asking for a copy of the creditor agreement under the Consumer Credit Act 1974 within 12 days. This was sent to HFO 10th November 2009. They responded over the 12 day period on 3rd December 2009, however they only provided copies of 5 statements of the credit card and not the CCA. The letter states: "Please find attached copy statements that we have recieved from Monument. As soon as we have recieved the rest of the documentation this will be sent to you." Again is this legal? I have read in many places regarding this 12 day rule for CCA requests but am unsure what it actually means. If they dont respond within 12 days does this make the claim unenforceable or does it only make any further interest charges on the debt unenforceable? He finally recieved a CCA dated 10th May 2010, however this does not appear to be complete. Firstly they have only sent the application for credit to Monument. This does not detail the full terms and conditions and the interest rate for the card. Secondly they have seriously breached the Data Protection Act by sending him the wrong application form from someone who applied to monument a year later than he did. To clarify they have sent two pages - one is an application for someone else detailing their address and bank details the second is a 'Rapid reply card' (not a full application) detailing his name and address and asking for him to complete the following details on employment, income, contact number and to sign a credit agreement declaration. The declaration states 'I am applying for a Visa credit card issued by Barclays Bank PLC, I have read and agreed to be bound by the Terms and Conditions...etc' There are no comprehensive terms and conditions attached. Does this make the CCA unenforceable? He then recieved a letter dated 8 days later (18th May 2010) from HFO claiming to be a final settlement and closure notice informing him his debt now owing £670 will be charged at %12 interest per annum, he ignored this. He has now recieved a letter in Aug 2010 claiming to be a 72 hour notice of litigation. He says he doesnt mind going to court as he can bring up the several failings in the debt collecting procedure - Firstly he wasnt informed of the debt being sold, he has since spoken to Monument and Barclays who have no record of him. Secondly the CCA wasn't provided in adequate time and containing the correct information. Thirdly HFO Services have breached DPA by sending out information on another applicant. I would appreciate any feedback on this matter as to whether we can expect to get this debt written off or not and how to approach the issue. Thanks for your time. Chris.
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