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HFO charge on property


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Hi

I have received a letter from HFO saying they are going to take me to court for a barclaycard debt. the debt was £500 now it is £2071.86. I am in the process of writing to them asking them to send proof a copy of my credit agreement.

they have also sent me a copy of a letter from Barclaycard stated that they have assigned my account to HFO Capital Limited. The logo does not look orginal.

 

What do I do ? do I write to Barclaycard ? please advise me.

I also received a message from HFO stated that they are going to take me to court. please advise me they also informed me that they were going to put a charge on my house. I am currently unemployed because i am caring for my parents.

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Hi

I have received a letter from HFO saying they are going to take me to court for a barclaycard debt. the debt was £500 now it is £2071.86. I am in the process of writing to them asking them to send proof a copy of my credit agreement.

they have also sent me a copy of a letter from Barclaycard stated that they have assigned my account to HFO Capital Limited. The logo does not look orginal.

 

What do I do ? do I write to Barclaycard ? please advise me.

I also received a message from HFO stated that they are going to take me to court. please advise me they also informed me that they were going to put a charge on my house. I am currently unemployed because i am caring for my parents.

 

Quick question : is the house in your name or in your parents' name?

 

If the house is your parents' name then there is nothing they can do - what they have stated is just an empty threat.

 

On the other hand if the house is in your name is it completely paid for or is there a mortgage on it? Or any other loan secured against it?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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How old is the card ? don't forget that it could be that they owe you more than you owe them....don't forget the excessive charges + 8% compounded interest....for example a charge of £30 on 1st January 2003 is now worth £43:25 to you !!!! there is a good calculator here....

 

Bank Charges: Reclaim them, they’re unlawful, includes free template letters ...

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