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  1. I have just received a letter from turnbull solicitors (working for HFO!). They state they have now obtained a charging order on my property. They took me to court early last year and I sent a defence to the courts but could not take it any further because Turnbull refused to give me any information requested. The proceedings went ahead regardless then I had notice that they were applying for a charging order. I immediately applied to set the judgement aside and after 2 months had the court papers returned informing me that the case had been moved to another court. I immediately forwarded the papers to the new court and heard nothing more (this was in November of last year). in the post today a letter arrived informing me that a charging order had been granted in court! Help - what can I do? I have continually requested all the usual information from turnbull and HFO and have only ever been sent coloured photocopies of deed of assignment from Barclays and a photocopy of my application for a credit card but not a lot else! What do I do next????
  2. I had a debt with Monument Credit card that was bought by HFO. I got court papers in 2007 for them to get the monies owed. I spoke to them and was told to send the forms back to them and they would deal with it. Did all this and next thing i knew the court had ordered in their favor. They also obtained a charge against my property to secure the debt. As i owed the debt I just accepted it and we came to an arrangement to pay £20.00 per month. Balance was now £2,045.06 up from £1,477.56 as they added on cost and interest I think. I have paid this since December 2008 so have paid approx £1500.00. Around June this year the payments started to getting returned by the bank so I thought that I had finished payments. Today I received a letter from the Land Registry saying that Asset Link Capital(No5) have now been assigned the debt. I started to look up Turnbull and HFO and found they are not trading anymore. So I am at a loss as where to go do I contact ALC or go the courts? During this time I have only spoken to the a couple times on the phone and a few emails. I have never received any Statements only letters saying a payment was late a few days. Andrew
  3. Latest from the FCA http://www.fca.org.uk/news/statements/agreement-hfo-services-limited-roxburghe-uk-limited-hfo-capital-limited ------------------------------------------- I hope that IF they do apply for a new licence, they will be turned down
  4. 'The (mill) wheels... grind slow, but they grind exceeding small.' I noticed the thread HFO/OFT Minded to Revoke thread had its last post eight months ago, so I'm putting this in a new thread - I hope admin will move it if they see fit. With help from many CAGgers, specifically DonkeyB (good luck in the Rugby World Cup:oops:) we were part of a process that ended in a thorough, days' long interview with the OFT to do with being hounded by HFO using draconian and humiliating practices on a debt we didn't owe them. We were asked but due to ill health were unable to be witnesses. It gives me great pleasure to share the mucho satisfactory letter received today: ~~~~~~~~~~~~~~~~~~~ Dear Sir/Madam HFO Services Limited, Roxburghe (UK) Limited, HFO Capital Limited and Alasdair Turnbull ('The Appellants') v The Financial Conduct Authority Further to our recent correspondence, I write to update you on developments in the above proceedings. Following settlement discussions, the Appellants have agreed to exit the consumer credit market and to write off any outstanding consumer credit debts which they own. The FCA has agreed to the quashing of the determination made by the Office of Trading on 27 January 2014. It follows that the Tribunal proceedings have concluded and therefore there will not be a Tribunal hearing in this atter. A statement reflecting this outcome will be published on our website soon. We are grateful to you for all your assistance in this matter. ============================================ Alice in Limboland! It couldn't happen to a nicer bloke. Thank you again for all your help.
  5. Hi, I'm hoping someone may be able to help me with a problem I have which involves Turnbull Rutherford / HFO Capital Limited & HFO Services Ltd. It revolves around a Barclaycard debt going back to 2007. I have attempted to get Divorced & had my submission returned form the Court due to their being a Couple of Charging Orders listed against the property I shared with my ex which we had a mortgage in joint names on. It would appear that a CCJ was granted at Northampton CC on 4th July 2008 in favour of HFO Services Ltd ( I was never notified that they had applied for a judgement so was not able to attend to defend ), subsequently a Charging order was granted on 14th August 2008 at Guildford CC ( according to a letter from Turnbull Rutherford ) although a copy of the Final Charging Order as supplied by Turnbull Rutherford is Stamped Guildford CC & Dated 29th September 2008 ( again I received no notification of this action so was unable to attend to defend). I first made contact with TR in December 2012 to query the Charging Order & also to enquire as to what the debt was as I had no knowledge of it, at the time of my call the representative of TR was very vague & offered little information, although I stated that I had received no paperwork or notice of the action taken his response was basically '' we have the charging order so I doesn't matter now anyway, pay or we will sell your house''. I received a letter from TR a couple of days after my call suggesting that I had discussed a settlement figure for the debt ( which I never had ) and the client detailed on the letter was HFO SERVICES LTD. I spoke to my ex - wife who confirmed that she had not received any paperwork in relation to this matter ( I was no longer living at the marital home & hadn't been resident since 2006 ) I spoke with someone who advised the debt was 6 years old that it would be statute barred & to have no further contact with TR which I duly did. I received another letter from TR in March 2013 again incorrectly stating that I had contacted them and requested a settlement figure ( which I had not ) I ignored this letter and made no contact with TR. I applied to Guildford CC to have the judgement set aside I completed a form as supplied by the court and paid the fee ( cannot recall the amount ) and sent the paperwork to the court. Approximately a week later I received a call from TR which I took by mistake during the course of which the TR representative again suggested that if I didn't pay they would force the sale of the property & also that my attempt to get the judgement set aside would fail, they suggested that the court had contacted them following receipt of my application which had prompted their call. I have until recently resisted all contact from TR however my circumstances have changed whereby my ex wife now wants to move on with her life & potentially re-marry which she cannot do until we are legally divorced, she had suggested that her Father would be willing to settle the debt in order to get the charging order lifted so that the divorce can go through. Reluctantly I have tried to contact TR only to find that they have been struck off and that the Debt is now being handled by HFO SERVICES Limited, I have obtained their number and called them, I have requested a settlement figure to which they have asked me to make an offer, as instructed by my ex father in law I have offered the sum of £1800.00 against a debt of £3547.90, I spoke with a guy called Ankur Srivastava who said he would go back to his client and respond to me by email which he has now done. His response is as below; Your Account With- HFO Capital Limited Original Lender- Barclaycard Original Reference- ..............# Balance Outstanding: £3,670.90 Further to our telephone conversation this afternoon, we would like to inform you that HFO Capital is willing to close the account by offering you a one off payment for £2,753.17 as full and final payment on the account. his represents 75% of the current outstanding balance. We would also like to inform that above mentioned balance does not include any post judgment interest added to it. As you may be aware the judgment was obtained in 2008, however HFO Capital has decided to waive off interest for all this time. HFO Capital Limited would also like to confirm that once the payment is received in full, we would inform the court to get the judgment marked as satisfied against your name and also instruct the land registry to remove the charge from your property. HFO Capital would also be contacting the relevant credit agencies to get the default marked as satisfied against your name. Please feel free to contact me on 0208 899 7452 if you have any further questions. Please note that settlement offers are time bound and would be valid for a fixed time. Regards, Ankur Srivastava HFO Capital Limited PO Box 342, Lavender Park Road, West Byfleet, KT14 6YX T: 0208 899 7457 This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of HFO Capital Limited. HFO Capital Limited is a limited company registered in in Eire; Registered Office: 22 Bridge Street, Ringsend, Dublin 4, Eire Registered Number: 446327 Vat Registration Number: IE.9673073N. Director: B Nathan (British) S. Blackburn (Maltese) HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989. I have noted that he is saying that his client is HFO CAPITAL LTD & he has signed off his email as being an employee of HFO CAPITAL LTD, the judgment & Charging Order is in favor of HFO SERVICES LTD. I have tried to contact GUILDFORD CC to seek clarification of the judgement & who it is in favour of to see if the fact that monies are being requested to be paid to a company other than that named on the Judgement & Charging Order is legal or if I can get the Judgement set aside due to this discrepancy. I apologise for rambling but am new to this & out of my depth, just wanted to put as much detail on here as possible in the hope that someone can help me. Any help or advice would be gratefully received.
  6. Hi there, In 2007 I was the victim (like many others) of the aggressive tactics of Turnbull Rutherford Solicitors in conjunction with HFO Services (they are actually the same people, or were then - HFO bought unsecured debts and Turnbull converted them to secured debts by a court order, on an industrial scale). At the time in 2007, I was ignorant of what I should have done, which was to question the validity of the contract by making a Subject Access Request. But as I didn't know about this I had no option but to complete the N9A and offer to pay by instalments. Turnbull/HFO wanted all the money and it was in their interest not to accept instalments, therefore they pretended they had not received the N9A, thus making it look as if I had not responded. The court then naturally found against me by default. Turnbull/HFO further muddied the waters by making up another bogus case which was subsequently struck out by the judge when it was discovered that the case did not actually exist. My first attempt to set aside this CO was unsuccessful because the district judge seemed to be beguiled by the paralegal who showed up to defend Turnbull/HFO. Also, by what the judge seemed to be saying, he had not actually read my witness statement. The judge dismissed my claim. I have full documentation covering this case, including all court papers and over 20 exhibits. Since this fiasco the FCA have asked to see this documentation and I have supplied them with copies of everything. As the account is in dispute I have stopped paying the £55 a month I was paying to Turnbull/HFO by standing order towards this fraudulent account. Last week I received a letter from HFO Capital (HFO Services had passed the account to their alter-ego HFO Capital) demanding the restitution of my standing order. I phoned HFO about this. I told the person I was speaking to at the start of the conversation that I was recording the dialogue. I then told him about the letter and reminded him that it was a criminal offence to demand money while an account was in dispute. At this there was a complete change of attitude! He told me that it was a terrible mistake and to "just ignore the letter". I have paid Turnbull/HFO nearly £2,000 for this fraudulent account and I seek to set aside this court order, recover my money, including all prior legal costs to date and clear my credit profile of this unjust item. I also seek compensation for the time I have been obliged to spend trying to clear up this appalling mess (by my reckoning about 80 hours and the distress caused. HFO Services and their associates HFO Capital and Roxburgh UK, all debt purchasing companies, have been barred from holding a consumer credit licence by the old OFT. Additionally, Alastair Turnbull has been barred from the group consumer credit licence of the Law Society (a hitherto unprecedented decision by the OFT) as a result of his illegal activities and has clearly brought the reputation of the law into disrepute. At this stage I would welcome the help of a solicitor to set aside this court order and to restore some justice in this matter. I would welcome any suggestions on this forum. Thanks.
  7. Hfo secured a ccj against me over 6 years ago. They obtained a notice against the house in August, 2008. I have not responded to any correspondence, or court papers, at any time. They have sent the odd reminder but not taken further action. As you are aware, they lost their licence. They have now sold on the debt to Assett Capital Link Ltd. What is my current situation? Many thanks.
  8. Hi all, i'm desperate for some help! about 2 years ago I received a letter from HFO services to say that I owed £6k+ from an old Welcome loan. (included interest/fees etc) They threatened me with baliffs etc unless I set up an agreement. I made it very clear that the amount they were stating seems very high in comparison to original amounts I borrowed (which I think were around £1,000-£2,000). Bear in mind that the loan was from around 2005. Under duress I set up a plan for £50 per month but told them that I still wanted to see the original agreement. 2-3mths pass (still making payments to them) and I decide to stop paying as I still hadn't received any documents to support their claim of the above amount. Needless to say, I received another call to ask why i'd stopped paying... I explained that I wasn't happy with the amount they were claiming I owed and was told that they had requested this, but they didn't need to, they had all of the original amounts in front of them, and that if I didn't start making payments again, they were resume court proceedings etc. I started paying again. Again, a few mths passed and I hadn't heard anything so stopped paying again. Then a Claimform arrives for the full amount of over £6,000 I had no option other than to complete the affordability request and offer of payment (again, £50 per mth). This was accepted and I have had an attachment of earnings ever since. This has been on for over 1 year now. On the claim form, I included a long letter explaining pretty much the above story on requesting documents etc. There isn't a month goes by without me wondering if I have done the right thing. Clearly, I did not attend the CCJ hearing (if there was one), and now the A.O.E. is in place, I cannot stop paying as my employer will not remove without the Court requesting them to do so. My questions to anyone on here would be: 1) How on earth were they allowed to apply for a CCJ and/or A.O.E. without proof of the original loan amount? 2) I have tried Googling for ways to contact HFO Services, yet cannot find anything, does anyone know if they even still exist. (If they don't, who am I paying every month?!) 3) Have they broken any rules based on what I have explained? I had an argument with someone over the phone at HFO that I felt that I was being held ransom as they rang me and told me I owed them £6k+ but they didn't even have to prove it! Now I have an A.O.E. I feel totally trapped! I would really appreciate it if anyone can offer any advice or if anyone has been in a similar position or could advise what I could possibly do??? MANY THANKS!
  9. Hi I was wondering if someone can offer any advice. I deferred on a credit card in my youth. Around £1500. This got passed on to HFO Service. After some contact I started paying it back. I payed around £800 back when I realised that they ahd added an extortionate amoun of interest on. I went to citizens advice etc ad they contacted them and all went quiet for a year or so. I sent them a CCA & SAR letter but have already payed some money back. I heard nothing apart from letters from Turnbull & rutherford. They have recently contacted again to say I still owe approx £1100. I really want to close this out and put an end to it once and for all. I was wondering if they ever accept reduced offers to close the issue as I know they can not legally ad there own interest on even thought they do. I understand theyre licence is under review but would would happen to my debt if their licence as revoked. How will this be afffecting my credit rating and how do I repair it? I want to end this issue once and for all but what is the best way to do this.
  10. I have just checked my online banking to find out a company called HFO services ltd have set up a direct debit on my account. Anyone know who they are as I have never heard of them or no what this is for! Thanks
  11. For all the people that has been harassed by HFO Services Limited and Turnbull Rutherford Solicitors, this is good news. This culled from the OFT website and the link posted below http://www.oft.gov.uk/news-and-updates/press/2014/08-14#.Uvvum8uPPIV OFT finds three debt businesses unfit and excludes a solicitor from undertaking licensable activities 08/14 5 February 2014 The OFT has refused to renew the consumer credit licences of debt purchaser HFO Capital Limited, and two associated debt collectors, HFO Services Limited and Roxburghe (UK) Limited. Alasdair Turnbull, a solicitor who acted for the group of firms, has also today been excluded from the group consumer credit licence held by the Law Society for England and Wales. The OFT found evidence of misleading and unfair practices in the businesses' operations, including: sending debt collection letters which misrepresented debtors' legal position misleading and otherwise inappropriate behaviour by HFO and Roxburghe agents during phone calls to debtors failing to properly investigate disputed debts failure to respond appropriately to the concerns of regulators, including the OFT. David Fisher, OFT Senior Director for Consumer Credit, said: 'We expect businesses in the debt collection sector to behave with integrity and treat their customers fairly and transparently. We will not hesitate to refuse to license debt collection businesses that fail to do so.' The parties have until 24 February 2014 to appeal the decision. NOTES The Consumer Credit Act 1974 requires businesses that offer goods or services on credit, or lend money, or are involved in activities relating to credit or hire, to be licensed by the OFT. The OFT has a statutory duty under the Act to administer the consumer credit licensing regime, and must be satisfied that a licensee is fit to hold a consumer credit licence. Trading without a licence in such cases is a criminal offence and can result in a fine and/or imprisonment. The OFT's consumer credit team currently has 32 investigations open into firms which intelligence suggests are engaged in unfair practices or may be otherwise unfit to hold a licence. The Financial Conduct Authority (FCA) will take over regulation of consumer credit from the OFT on 1 April 2014. The transfer of regulation is part of the Government's programme of regulatory changes for financial services and brings conduct of business regulation under a single financial services regulator. See the FCA's website for more information. Businesses seeking a consumer credit licence should see the Consumer credit changes page for more information.
  12. The Office of Fair Trading (OFT) has refused to renew the consumer credit licences of three debt businesses, including Roxburghe. Debt purchaser HFO Capital and two associated debt collection agencies, HFO Services Limited and Roxburghe (UK) Limited, have been declared “unfit” by the OFT and will not have their licences renewed. Solicitor Alasdair Turnbull, who acted for the group of firms, has also been excluded from the group consumer credit licence held by the Law Society for England and Wales. http://www.credittoday.co.uk/article/16628/online-news/three-debt-firms-deemed-unfit-lose-credit-licences
  13. Hi all I’m writing on behalf of my girlfriend who has a longstanding debt which she has finally agreed she needs to look in to, but does not know where to start. She admits she has been irresponsible and has been scared to look into it for a long time, but having read around these forums for a while I’ve managed to convince her that there are processes that we should follow to see where things really stand, what really needs to be paid, and if there is anything she can claim back. I’m not particularly informed myself, but am prepared to read and invest time and effort into this to try and help her, and any help and advice anyone can give would be really appreciated. The debt is a Barclaycard credit card debt relating to the period May 2004 to January 2005 and was apparently passed to/sold to HFO Services in April 2006. My girlfriend says she spent on the card, and then tried to forget about it/run away from it and obviously at some point stopped paying the minimum payment. She was at university at the time and moved address frequently, and so we are presuming Barclaycard chased her for payment for a period before passing/selling the debt to HFO Services in April 2006. We attended a Barclays branch recently and explained that she wants a full itemised breakdown of all transactions and charges on the account from opening to closure for the purposes of claiming back PPI (which she had) and also any late payment/other charges which were made by Barclays (which she thinks she remembers), and also to find out exactly what the final balance of the account was when it was passed to HFO Services. Barclaycard said that she would need to write to them and enclose a cheque for £10 – so I’m presuming that this is the SAR request that I’ve read about? Barclaycard then confirmed the date in April 2006 that the debt was passed to HFO Services, and also that the amount was circa £3000. So – obviously there are processes to go through to reclaim PPI and possibly charges, what should we be doing here? Next, and most importantly – HFO Services. My girlfriend only remembers the following correspondence with them: January 2011 – They called her demanding money, my girlfriend only remembers agreeing to set up a direct debit which she paid a couple of instalments on before cancelling. March 2011 – This is the date of the most historic paperwork she has from them. It states “72 Hour Notice Of Litigation” – red writing, multiple pages, with lots of scary looking court information and statements saying basically that their solicitors will be issuing court proceedings if not contacted within 72 hours. Looks similar to the correspondence you get from Private Parking Companies (something which I have extensive knowledge on and have accumulated and ignored many unenforceable demands for money over the past few years). It also states “the balance of your debt continues to increase” and states that the debt is circa £5000!! Circa £2000 more than the final figure given by Barclaycard! August 2011 – They called again, girlfriend says she again set up a monthly direct debit to them. This is documented in a letter stating the amount and payment date, and also the debt owed is now somehow circa £4000!! Down around £1000 from March 2011, but still around £1000 more than what Barclaycard said the final balance was. There have been no other phonecalls or letters since and my girlfriend has paid an amount monthly by direct debit since September 2011 without break. I called HFO services on her behalf in March 2012 to ask for some information and was told that the total amount when passed to HFO by Barclaycard a bit over £4000, and this was in May 2006. This is a month later and over £1000 more than what Barclaycard have told us! They also said that the account was “up for review” in April 2012 – whatever that means, mentioned something about being able to offer a reduced amount for a one off payment to settle the account, and that it was being passed to Roxburghe. Sure enough, in April 2012 my girlfriend received a letter which has HFO letterhead, and HFO Capital Limited address (unlike the other letters which have HFO Services letterheads and HFO Services, Surrey addresses). This states “Notice of Appointment” says the account has been passed to Roxburghe Limited for servicing – but also states that: “any correspondence or enquires relating to your BARCLAYCARD debt, owed to HFO Capital Limited, to Roxburgh (UK) Limited” The outstanding balance is now a little under £4000 – with my girlfriend having paid monthly direct debits since September 2011 as stated. The only other information I can currently give is that when I rang HFO Services the guy told me to check her credit report - there will be a default registered and there is a default balance. Should we do this? Is this relevent? Can anyone advise on what to do now? I’ve read things like HFO Services are being investigated and may not have a right to collect these types of debt, the debt is over year and so might not be enforceable, something to do with HFO Capital being abroad so that is something illegal, they may not have the right to collect the debt – something to do with getting CAG?, etc. I’m just looking for advice on what processes to follow now, what letters to send, etc – and what to do/not? Should my girlfriend keep making payments? Etc? We want to find out how much really needs to be paid – if anything – and then if there is an amount to pay – to settle it in full and move on. Many thanks for reading.
  14. HFO Financial Services say I owe them £1700 after paying a total of £4000. I had been paying through CCCS along with two other smaller debts. Due to personal circumstance I've stopped using CCCS and intended to write directly to HFO to arrange a payment plan. However on Noodle this debt does not appear at all either on open or closed accounts. The debt must have been incurred somewhere around 2003/2004. Precisely what am I paying this for? Is it possible they have been taking payments on statue-barred debt and if so is there any way I would be able to reclaim monies paid in addition to ceasing future payments?
  15. Hi All, newbie here hope you can help. My partner had a debt from Barclaycard which was taken over by HFO in 2008. After some communication and threats of Baillffs from HFO my partner agreed to pay a set amount each month, which she has continued to do so ever since. In the intervening years she has tried to contact them to advise of change of address etc and also to ask for a settlement figure but has been unable to make contact with anyone from the company. During this time she has never received a yearly statement from HFO. We have since heard that HFO are no longer in business but the direct debit that is in place is still being called every month and being paid. Can any of you advise us on what we should do?? should we continue to pay or stop the DD. How can we find if the debt has been discharged etc?? We have checked her Credit report through Experian and they make no mention of the debt. Heres hoping you can help us out with some advice.
  16. 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
  17. DefaultNotice.pdf Hi all After googling HFO came across this excellent site with somehelpful advice regarding dealing with HFO. So far received following from HFO: Had a reminderNOA sent to me on 19 July 11, followed by a Do Not Ignore (with HMCS EX345 - Bailiffs andEnforcement Officers info sheet and EX50 - Court Fees info sheet) on10 August 11 then a Schedule of Litigation (with EX325 - Third Part Debt Orderinfo sheet) on 1 September 11. I would have dealt with this sooner, but I have been tied up withmatters of Probate on my recently deceased father's estate andsorting out my mother's financial affairs. I had a Barclaycard back in 2005 which due to very serious illnessI defaulted on in September 2005 (if memory serves me right). I havea notice of default from Mercers dated 8 December 2005. In March and April of 2006 I approached the CAB for help andadvice with problems with mounting debts of which Barclaycard wasjust one. Due to the seriousness of my ill health the CAB along withmy consultant arranged for me to receive benefits under the "SpecialRules" - for those not considered likely to live more than 6months - still here thank goodness!! The CAB also wrote to all mycreditors and requested that all my debts be written off, I rememberthe CAB advisor saying that Barclaycard would likely to be the mostdifficult. This was achieved with all' to my knowledge, over thefollowing few months. I have a letter dated 23 May 2006 from the CABadvising me that Debt Managers Ltd had closed the file. In 29 June through to 17 August 2006 I then started receivingletters from Credit Security Ltd. I don't think I passed this on toCAB because during this period I ended up in hospital in IntensiveCare - which I'm sure was in some way triggered by all the worry overmy finances. I have no NOA on file. In November 2007 I moved address and until July of this year heardnothing more. I have attached letters from HFO and the Notice of Default. If it wasn't for the contact made by CAB in 2006 I am assuming thedebt would now be statute barred, or very close). I assume that datewould be dependent on the last date of contact to the DCA/Barclaycard by the CAB. The last letter to me from CAB regardingBarclaycard is dated 23 May 2006. Reading through these forums I am guessing that in the firstinstance I need to send off a CCA request (recorded delivery, no sigand a £1 PO) with a line stating that I do not acknowledge the debtto HFO. It would seem advantageous to call Barclaycard, also, to find outto whom the debt was sold and when - in writing if possible. I wouldguess that I should get off a SAR request to Barclaycard sooner thanlater. I checked my credit file with Experian and there is a new entrydated 19 June 2011 by HFO with the date of default as 30 Nov 2006which is a year later than actual. Any thoughts and advice from the HFO fan club would be gratefullyreceived. I am worried that this firm's tactics could send myunstable health, at the best of times, spiralling back down. Bluebare reminderNOA.pdf DefaultNotice2.pdf DoNotIgnore.pdf ScheduleOfLitigation.pdf
  18. Hi, i wonder if you could give me some advice. I have recently received a letter chasing me for money from buchanan clark & wells on behalf of a barclaycard debt sold to hfo capital ltd. The first letter i got was asking if i was the person named and my old address. I ignored that letter then they sent me another letter dated 11/04/2013 which they stated was a formal demand. I ignored that letter as well. The next letter i got was dated 15/05/2013 and was a settlement offer which they said they would accept roughly half the original debt they were chasing. I ignored that letter as well. Today i got another letter stating it was from UMS stating that they were going to come and visit my property. They said that the BCW group had instructed them to visit me. I noticed from this last letter that although it is supposed to come from a different company the paper it is printed on is the same details rtc that have been on the other letters. I decided to call barclaycard directly to try and find out what all the details are on the debt and this is the information they gave me. I took out the credit card on 02/08/2000. The last payment i ever made on it was on 29/12/2004. The debt was sold to HFO capital ltd on 26/07/2007. From reading other things on the forum it looks like this should be statue barred by now if you go by the date i last made a payment or will be in a weeks time if you go by the date that HFO capital ltd bought the debt. Am i correct in thinking this and if i am correct what do i need to do to get them to stop sending me letters or contacting me again. I would be greatful for any advice you copuld give me.
  19. Good Morning, I have been paying a debt,by DD,to the above cretins for 18months. They stopped taking the DD payments three months ago, and now I have had a letter from them stating they have passed the case to their solicitors for further action as I have broken the agreement by non payment. The outstanding debt is £888 Any advice would be appreciated.
  20. Hi Guys, I have just received court paper work sent by Turnbull Rutherford on behalf of HFO. They are claiming over £6400.00 with £3800.00 being the original debt and over £2600.00 in interest and court costs. They are charging me 12% per annum interetsrt on the debt. I would like advice on how I should reply. I will admit to the original debt and agree to pay in installments but do not agree to the interest payments and the on going interest being claimed. I am currently unemployed but own my own flat. I would like to know how I should reply to the court. Admitting the original debt and asking for a nominal amout to tbe paid every moth. I was wondering if anyone could advise on how I should proceed and whether there are any template letters that I can sedn with the court papers that will help my case. Any help/advice would be much appreciated. Thanks
  21. Hi, I am looking for advice on behalf of my dad on how to deal with 2 debts that were bought by HFO services. This has been ongoing for some time and my dad has managed to pay of all of his other debts via payments plans etc and now only these two are left. The difficulty is that since setting up a payment plan with them he never receives any communication from them - no statements etc so he has no idea what the balance is or how much interest they have applied etc. After a lot of harrassment over the phone which led to changing phone numbers etc and sending lots of letters asking them to only communicate in writing a payment plan for each loan was set up. The original debts were for Morgan Stanley/Goldfish) and (Monument). These debts were bought in 2007. The first payment plan was set up in Dec 2008 but had to be changed as the direct debit kept on being taken out on different days and my dad gets paid weekly so sometimes the payments bounced (which led to another phonecall and letter and another charge). The last statement received for each was in Feb 2010 which was when the 2nd payment plan was set up where the monthly payment would be taken by standing order. According to this payment plans the final payments should be taken on 20/03/14. Ideally we want to find out the balance of the debts today and how much interest has been applied, check that it is correct and then pay these debts off in full. Please can anyone advise on how best to proceed?
  22. I have a 6 year old alleged debt which HFO Services/Capital didn't provide any documents even several letters asking for it. Now Roxburghe (who took over) confirmed on the telephone that the account is closed and they won't try to collect any money. - I asked them (PHONE) to remove the default and send a letter saying that the account is closed (not complied, 7 days has passed). - I sent a letter informing statute barred, I'm not paying (Sep 12th) and also asking for the notice of default (Sep21st) not complied, 28 days has passed. - I asked Experian and Equifax (EMAIL) that I dispute this default, not having any CCA with HFOS and that this alleged debt is statute barred. I made clear in all communication that the last payment was over 6 years ago and that's the date they should count. Is any procedure/action I can do to speed up the process of removing the default? I'm enclosing the letters I have sent.... Any help would be much appreciated!
  23. Thank you for your information / advice so far. I have 2 CCJ's that have been with HFO Services / Turnbull Rutherford, which have been in force since Oct/Nov 2007. I pay £1 per month on each. As I stated earlier, they did try to say I had arrears and take me to Court on one of these CCJ's previously. This appears to be what they are trying to do again. The last time the case was transferred to Manchester - they didn't turn up and it was judged 'out of time' and it was thrown out. They are using one of the CCJ Claimant Refs on the letter that I have just received from them and are stating that I'm in arrears again, which I'm not. The Post Office returned my last payment to them, and the Post Office informed me that the 'addressee had gone away'. This was the first I heard that Turnbull Rutherford were no longer working from this address. Turnbull Rutherford didn't inform me of a change of address or anything else for that matter. They also have never sent me an annual statement or notified me of any interest. I no longer have the help of Manchester Advice as because of cutbacks, that Department no longer exists as part of Manchester City Council. I was going to go to Citizens Advice to get some help but then I thought I should try the internet and then here first. To my surprise there's a whole host of information about the shenanigans of HFO/Turnbull Rutherford ! I would be grateful for any advice or information given.
  24. Hi I have been paying a debt since April 28th 2011 through HFO services ltd at £40 per month. This was my debt and I agreed to pay. This has been coming out of my account regularly since. I have moved house not do long ago and on sorting through paperwork have realised that I cannot locate the original letter from HFO with their details and my total balance owing etc. Therefore, I cannot contact them to update my details or find out what my outstanding balance is etc. On looking through various websites it appears that they no longer exist??? Is this the case? If it is, where has my money been going to? Does anyone have a contact number for them? I don't want to stop paying and then suddenly get demands, but equally I dont want my money going into a black hole either! Thanks!! Any help appreciated.
  25. Oh dear! http://www.credittoday.co.uk/article/14067/online-news/roxburghe-battles-to-retain-credit-licence#.T8eOWNuUb1A.twitter
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