Jump to content

  • Tweets

  • Posts

    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

HFO Services debt collectors.

Guest Lueeze
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5006 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Guest Lueeze

We are disputing our monument charges, but today had a call from the above.


They have bought the debt and want a settlement.


I have told them its in dispute and they want all our paperwork so they can go back to Monument and discuss the situation.


They will take £900 off the debt reducing it to £3700, off course we canot settle as we have no money.


Whats the best aproach to this? I dont want to slip up.


I cannot find anything about the above company either...:mad:

Link to post
Share on other sites

is it wort trying the "can i see the default notice " line. as a stalling tactic?

when i win ...... 5% goes back to the site!


Halifax- 14/6/06 Data Protection Act.28/6/06 S.A.R - (Subject Access Request) - (Subject Access Request) handed in person. 2/7/06 Prelin sent for £3297. 19/7/06 LBA sent SETTLED

Halifax cc- 26/7 prelim for £140 - 14/8 LBA sent - 21/8 £ 70 offer - 22/8 Halifax agreed to pay £140 after call SETTLED

Halifax loan #1 - SETTLED

SMPL- 20/6/06 prelim sent for £610 4/7 sent lba after no reply. MCOL 29/9

Rooftop Mortgages - 20/6/06 prelim sent for £225. 29/6/06 letter rec'd saying no! /2/7/06 LBA sent

Capital One- 24/6/06 S.A.R - (Subject Access Request) sent. 2/7/06 prelim sent for £137. 19/7/06 LBA sent MCOL 29/9 SETTLED

Link to post
Share on other sites

Guest Lueeze

oh yes forgot about that,


I will request a default notice information AND original credit agreement.


That way they can go hunting for it befoe they think they are getting anything out of us.

Link to post
Share on other sites

  • 1 month later...

Just reading thru the threads about monument. How did you get on with the the debacle with HFO



If I've helped tip my scales


Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D



Monument, didn't sign the agreement



Lloyds TSB didn't sign the agreement!



Citicards, didn't sign the agreement



RBS tut, tut!



Morgan Stanley, oh dear


Link to post
Share on other sites

  • 4 months later...
  • 1 year later...

hi there

in my opinion this company the HFO ARE RIPING PEOPLE APART

i just been asked to pay over £800 amonth back on a credit card debt which i havent recived any transaction from for more then 2 years and been told that if i cant pay that they will reposses my house i need advise can a credit card debt become secured on your house

Link to post
Share on other sites

There are several threads on HFO if you do a search. Don't talk to them on the phone. Ask them to put everything in writing then send them the CCA letter, asking for a true signed copy of the agreement - Letter N - General Templates Letters - send with a £1 p/o, or someone elses cheque - recorded delivery - do not sign anything. They have 12 +2 working days to comply after this they are in default and a further 30 days they have committed a criminal offence at which time you can report them to TS, OFT. Without a copy of the signed agreement they won't be able to enforce this debt through the courts.

Link to post
Share on other sites

Hi all,


Had the shock of my life yesterday when I checked my experian credit file and found that a default for a loan I had in 1999 had been placed on my file by HFO. I hold my hand up to that but why on earth has it taken 8 years for something to be added to my file causing it serious harm! My rating was, until this entry, good and now it's showing as poor. I have been assured(having paid the debt in full today)that a notice of satisfaction will be sent to Equifax and the rating will be restored but the entry to say I had the debt will not be removed.


As a trainee Special Constable this sort of thing can have quite serious consequences. I can't understand why they couldn't send a letter to me at my address that I've lived at since 2004 to let me know about the money owed.


Just bloody angry!!

Link to post
Share on other sites

hi Jason cuttler

as you must of seen my thread about HFO i know fully how you feel

i haven't checked my credit rating but i am sure they put my name there as well as poor credit although same as you i always had a good credit rating and i am not so sure its still the same now

i didn't get a letter all i got was a threatening phone call and they want from me double the amount i owe them .

well today i send them a nasty letter to demand my file to see if they obtained my details legally and i only gave them 12 days to reply well i had help from curlyben he is fantastic and if you ever need any help with any thing just ask him



Link to post
Share on other sites

  • 2 weeks later...

just not enough people complaining about hfo as this letter i got today explains


Consumer Credit Act 1974 ('The Act')

Complaint Against: HFO Services Limited

Licence No: 555914


Thank you for your email received on 17 December 2007, regarding the problems you have been experiencing with the above trader.


We are always interested to receive complaints such as yours as they are a vital source of information in helping us to investigate the behaviour of traders that hold consumer credit licences. The trader you have complained about does hold a consumer credit licence.


If a business wishes to be involved in activities relating to consumer credit or hire, including debt collection, they must have a consumer credit licence. The Office of Fair Trading (OFT) has a duty to monitor the fitness of all traders that hold a consumer credit licence. In considering fitness, we take into account whether a business has engaged in unfair business practices. This includes any evidence that traders have not complied with any guidance issued by the OFT. The OFT has, for example, issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance sets out minimum standards that we expect of debt collection traders, consistent with fitness to hold a consumer credit licence. The guidance is intended to ensure that debt collectors treat debtors fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants.


We investigate all complaints received about consumer credit licence holders and, where we have the necessary evidence, we do take appropriate action. In our initial investigation of all complaints we consider how many complaints we have received overall and how strong the evidence is to support any action. It is unlikely that a licence would be revoked on the strength of one complaint. Where we have strong evidence that unfair business practices have occurred, we may take steps to revoke or refuse the licence of the business in question. However, if we are to do this we need to take account of factors such as the number of complaints received how recent they are and how well evidenced. In cases where evidence is less strong we may issue a warning letter to the business putting it on notice that its behaviour, if repeated, will call their fitness to hold a licence into question. Any action we do take has to be proportionate. If an approach from the OFT makes a trader change its behaviour and treat consumers fairly in future, this is preferable to putting a trader out of business.


If we do take any licensing action against this trader it is likely that we would need to disclose your identity to this trader along with details of your complaint. I should therefore be grateful if you would provide me with written authorisation to disclose these details to the trader. I have enclosed a disclosure consent form for you to sign and return to me.


We have noted the details of your complaint, to consider alongside any other complaints we have received with a view to any licensing action we may decide to take. We may therefore contact you again if we require further information. Meanwhile, given that the sanction of licence refusal or revocation is such a significant one there are constraints built into the process for taking such action. For example, because of restrictions in Part 9 of the Enterprise Act 2002 relating to disclosure of information, we cannot disclose specific details about any action we may take, nor comment on any adverse information we hold on individual licence holders.


Unfortunately the OFT has no power to intervene in individual disputes, and therefore we are unable to assist you directly in this matter. However, you will be able to obtain practical advice by contacting Consumer Direct either by telephone (08454 04 05 06) or online at www.consumerdirect.gov.uk.


Consumer Direct is the first point of call for consumers, providing first tier advice on a range of consumer matters, including advice on shopping, information on consumer rights and practical guidance on individual problems and how to gain redress. Where further help is needed, such as specialist advice, face-to-face assistance, or intervention, Consumer Direct refers consumers to another agency, such as Trading Standards Service, that is best placed to assist.


Furthermore, the Financial Ombudsman Service ('FoS') can help with most complaints about consumer-credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the financial institution itself. The FoS can be contacted at:-


The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London E14 9SR

Tel: - 0845 080 1800




I have also enclosed details of organisations which may be able to assist you. Thank you again for writing to us and bringing this matter to our attention.


Yours sincerely



Miss Jo Kwok

Enquiries and Preliminary Investigations Centre

Markets and Projects

Permission To Disclose Complaint


Consumer Credit Act 1974 ('the Act')

Complaint Against: HFO Services Limited

Licence No: 555914


Reference: Epic/Enq/E/22497


*Please delete as appropriate


I give/do not give* my consent for the Office of Fair Trading (OFT) to disclose details of my complaint concerning the above trader, including my name and address details, in any further action that it may take under the Act or under any other legislation administered by the OFT.


I also confirm that I have no objections/object* to the OFT using the information provided by me in the performance of any of its functions and disclosing that information to others where legally permissible. By way of example, the OFT may disclose such information in connection with enforcement or regulatory action under its own powers or may refer the information to another government department or enforcement authority.


Signed: ………………………………………………………………… ……………………


Print name: ………………………………………………………………… ……………..


Address (Please print): ………………………………………………………………… …

………………………………………………………………… ………………….

………………………………………………………………… ………………….

………………………………………………………………… ………………….

………………………………………………………………… ………………….

Date: ………………………………………………………………… ……………..


Please note the OFT can only use your details in any action we may take against the above trader if you give your written permission for us to do so.





Additional contact details


In the event of the OFT needing to contact you for further information, it would be helpful if you could provide the following contact details. Please note these further details will not be disclosed to the trader.


Telephone number: (Home)……………………………(Mobile) ……………………….


Preferred time of contact by telephone: ……………………………………………….


E-mail address: ………………………………………………………………… …………..

Link to post
Share on other sites

  • 1 month later...

I am being hounded by hfo services for a barclaycard debt from about 5 years ago. Around that time my marriage broke down and so did I, I also had to move house. I'm not sure if I do owe the money and find it bizare that I have had nothing from anyone about this in the last five years unitl now. I have asked them to send me something in writing which they constantly avoid doing or say that they have sent me several letters which I haven't received.

I'm a single parent and don't have much money, if I owe this then of course I will pay it but I don't want to pay any more than I have to. Please where do I go from here. They are ringing me at all times of the day and late evening and have threatened to pass my debt onto their legal department which could result in 24 hour surveillance and talking to my neighbours, following me to work etc. I am feel very threatened by this.

Link to post
Share on other sites

Hi doohanpip,


Never speak to these people on the phone, get everything in writing.


Start a new thread in the debt forums you will get all the help you need there.








Before you do anything read all the FAQs then start your new thread in the debt forum. HFO are full of threats to frighten you into paying them, you will find lots of threads on HFO in the debt forums.


Sorry and welcome to CAG.



Link to post
Share on other sites

They are ringing me at all times of the day and late evening and have threatened to pass my debt onto their legal department which could result in 24 hour surveillance and talking to my neighbours, following me to work etc. I am feel very threatened by this.




these guys have been watching far too much tv......what a load of bull!


Seriously,I think you should complain about these tactics to the OFT and it wouldn't do any harm bringing in Trading Standards as well

Link to post
Share on other sites



these guys have been watching far too much tv......what a load of bull!


Seriously,I think you should complain about these tactics to the OFT and it wouldn't do any harm bringing in Trading Standards as well


I had a call left on my answerphone from these guys related to a debt that my wife kindly left for me before she moved away... Unfortunately, on MY card..


I quote "Hello.. I am calling from HFO and would like to talk to you relating to a time sensitive matter. I would like you to call me tonight on 02030248541 otherwise I will phone your employer tomorrow and you WILL lose your job"


Surely these guys can't leave these kind of messages... This is AFTER I had asked them to stop making any calls and contact me in writing with the original signed agreement

Link to post
Share on other sites

what I did when dealing with Lloyds who were ringing all hours including Sunday evening at 6.30 pm I sent a letter to OFT, copied Lloyds in on the letter and sent it to LLoyds stating that they had left me no option but to make an official complaint as they were ignoring all my requests for the phone calls to stop. After investigation by Lloyds the debt was written off.


When writing to OFT you should also make it clear that this company are not fit to hold a credit licence. Make sure you include every detail to OFT of the Debt Collection Guidelines that HFO have broken, make sure you send it to HFO.

Link to post
Share on other sites

I'm not sure if I do owe the money and find it bizarre that I have had nothing from anyone about this in the last five years unitl now.


Have you recently requested your credit file from a Credit Reference Agency? If you have there's your answer. The C.R.A.'s are like the Debt Collection Agency secret police.

What sort of world do you want your kids to grow up in?

Link to post
Share on other sites

  • 2 months later...

Hi all.


I have logged a complaint against HFO services with the OFT


They call me daily and annoy me saying I have an old debt with barclaycard. They will not give me their address and will not send me any credit aggrement. They will not do any data protection either.


OFT has told me the following


1. They are legally commited to give me thier business address under the Business Names Act 1985.

2. I am legally intitled to a copy of my credit aggrement under the Consumer Credit Act 1974.

3. They are breaking the law under the Information act by not asking for any data protection wuestion.


My advice is to get your credit aggrement under the Consumer Credit Act 1974 before you talk any further on the phone.




Please feel free to contact me on the forum



Link to post
Share on other sites

  • 4 months later...
  • 1 year later...

Hmm... a 'stooge' post appears to have gone, saying how nice HFO were... PM me if you want to read it!


Hello sarahmillerme!




S*d it, here it is... is this a new DCA tactic? Have their mates post really nice things about them? 'Kin'ell...


HFO - NOT THAT BAD!!!!!!!!!!!!!! while i do agree to the comments laid out here ,

i was surprised by the result of my conversation with them , Which was as follows -

I ACTUALLY ENDED UP WITH MORE MONEY!!!! - what happened was that when i told that

guy that i was unemployed , he made me realise that i wasn't claiming all my benefits!!!.

Now even after paying a monthly installment , i have 50 pounds a week more than i had earlier.

Edited by DonkeyB
Link to post
Share on other sites

  • 5 months later...

I have had alot of previous dealings HFO and not heard from them for over a year.

At first i was worried as they were claiming they bought a debt and were aggressively collecting, the then told me it was for barclay card .. BINGO.. never had one, my attempts to tell them i never owned a barclay card fell on deaf and probably stupid ears, over the next 12 months call grew in frequency and ferocity.

After alot of research and also two reports to surrey police (with crime numbers) i decided to play them at their own game.

I in no way recomend this to any caggers, i knew i was in the right with confidence in the fact HFO only persued me for money with absolutely NO legal recourse.


first i would answer their call like an old friend e.g "hello buddy , where have you been i have really missed you , you old tosser"


second, reverse their questions (very annoying for them)

eg.. hfo) can i speak to mr *******

me) hello is this mr ********

hfo) is mr ******** there

me) is he there ?

hfo) this isnt funny

me) this is funny


or answer ever question or sentance " yeeeeeeees"


when they started shouting down the phone i would giggle, they shouted louder laughed more.


answering on loud speaker then leaving the phone on the television with volume up.


or my favourite, i am in the forces and shoot on a range every month i would answer them during firing and when they asked what the loud banging was i would tell them we were executing debt collection thugs, this was great when the range officer would shout in the background " load.. make ready... targets WILL fall when hit, in your own time go on"


plus many , many more windups


it turned from being harrassed to a daily laugh i looked forward to.

in a weird way kinda missed them when they had had enough and stopped calling.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...