Hfo

[tomterm8]

Pardon?

 

The agreement you've shown isn't a barclaycard agreement, it is a welcome finance agreement.

 

Did you have an account with welcome finance?

[Pappamere]

The cover letter I got this morning states "Your Account Barclaycard"

 

Thats why im confused, as it what the debt is over.

 

As for welcome I sent them a letter in 2005 I have a copy of it on my PC, Saying you have the wrong person and address.

 

And that was it I never heard of them again, until about 2 weeks ago from a company called HFO

 

And thats where im at now,

 

I have asked HFO to take this to court as the only way I think this will get sorted and my name cleared is for a judge to say hang on lets look at this in a bit more detail.

 

But so far no court date just more and more charges being added to the account.

 

Hope that helps

 

Paul

[tomterm8]

Hi Paul,

 

what i am basically asking is, is the name on the credit agreement yours, is the address yours, did you sign it? Was this you loan?

 

It seems welcome believe this is your account. It certainly doesn't seem to be a barclaycard account.

 

Is it possible you have same name and dob as another person OR that it could be fraud?

[Pappamere]

Sorry mate in not a smart person.

 

The name is mine yes and the sig looks like mine, the address was my partners old address, But I know for sure I have never signed it ever, when Welcome phoned in 2005 as a courier I told them they had the wrong person, and we talked for around 30 mins and that was it, letter sent confirming what was said and I never heard out again. until 2 weeks ago

 

As for name and DOB I have no doupt thats possible, (every one want to be like me im sure )

 

What I do know is im now worried more so than ever as I do not want to end up paying a loan/debt for some one else

 

Paul

[onecall1]

Have got to say this looks very iffy to me.

 

I think you need to go back to basics. If they do issue a claim through the courts, are you absolutely sure you did not take out a loan with Welcome Finance? Is it your signature and if so, where did they get it from. Were you ever desperate enough to sign a loan agreement with 47% interest?

 

If this is definately not yours I would not even think about paying it just to get them off your back. This is exactly what they want.

 

I would insist on seeing the original along with a true copy of the deed of assignment from Welcome Finance. You need to send an SAR to Welcome if you have not already done so and CCA request. If in the meantime you get a county court claim you can request extra time to prepare your defence. There is a fab letter which you can serve on them giving them 10 days to provide all the documentation for the Court. Remember in law, he alleges must prove.

 

Just out of interest, are you a home owner? If not I doubt very much if they will instigate court action.

[onecall1]

Just thought of something else.

 

The agreement has to properly exercise and executed.

 

Who the hell is A Partington? No address...............very iffy

He has the same handwriting as the person who inserted your date and the same as the person who completed the agreement...........very iffy

 

I would not underestimate the depths to which HFO will sink. They must have a whole department just devoted to copy/paste and scan!

[sillygirl1]

HFO are getting a very bad name - the postman who delivered their fake 'courier' card says he wishes he could NOT deliver them but because it is properly franked he has to deliver... I'm slowly gathering other evidence against their bad practices.

 

Luckily I haven't had to deal with them personally - other than to tell them where to stick their job offer - but have dealt with other DCA muppets. The favourite was one who "didn't deal with third parties". My reply was "Neither do I, provide copy of last bill and you will be paid - otherwise court". Needless to say I got a letter back stating it had gone back to OC with no further action to be taken.

[onecall1]

Yes their reputation is certainly growing.

 

There is so much I would like to say but cannot at this time as it may prejudice my case but rest assured very soon I will post everything which will hopefully help everyone else who have had the misfortune of having to deal with these muppets!

[Pappamere]

Thanks again for getting back.

 

I have never sign a loan with welcome, in fact I have never had a loan

 

Yes i do own my own home with my partner

 

I have not send SAR or CCA to Welcome just CCA to HFO

 

A Partington no idea who he is

 

I will send the above to welcome first thing in the morning

[Pappamere]

Not sure if this means anything but just been to

 

Credit Reports: Get your Credit Report from Experian UK

 

And had a look at my credit rating (not as bad as I thought)

 

and there is nothing there from welcome at all. Not 1 small ounce.

 

This is making me feel so much better as I know they have the wrong

 

Person, Im making my defence now for my final demand from HFo to

 

take this to court

[onecall1]

Good on you.

 

They dont care if you genuinely dont owe the money. They rely on people just paying due to the intimidation and harrassment.

 

The court does not like to have its time wasted with idiots like this. Let them file, it costs them money.

[patrickq1]

since my complaint against HFO this is the reply,not enough peeps complaining about them....

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

www.financial-ombudsman.org.uk

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

*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: ……………………………………………………………………………..

[UK26]

the same response i got from OFT

 

Standard Box Letters

 

From what the OP has said in this topic

 

I seem to have the same issues over at

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/130275-hfo-services-limited-2.html#post1471961

 

Fake Documents

 

 

regards

 

Dave