Quick Question about HFO

[loislanehere]

Hiya

 

I've been harrassed by HFO for my boyfriends debt (no legal connection to him)

 

So trying to help my boyfriend out-he has arranged to pay an amount over a period of 3months (which ends August 24th) which will clear his debt.

 

Even after payments were going ok-I got called up and told that if we didn't pay the full amount there and then (and i quote) "You will pay lots more, hundreds of pounds more in interest if you do not pay me this money today"

 

So we've cancelled our cards now so they cant take payment.

 

I've got a letter from 3saying it was sold, and one from HFO saying he owes them £££.

 

So we arrange to pay and they still hassle us?

 

Anyway my question: We are sending a letter that includes inspiration from the library about "harrassing third parties" "deal with written letters only" and have asked for the proof...and have listed the legal clauses in which they have to do this.

 

Have also included a £1 postal order.

 

I would like to ask...if anyone knows what is going to happen? I mean how can he make further payments to these people without the same happening again? How can he do this via letter? Safely? And with enough proof to get them off our backs if they try to blag more money once its paid?

Edited July 16, 2008 by loislanehere
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[Hopeful1]

Just to clarify, is this for a mobile 'phone debt?

 

You are right to keep everything in writing.

 

You can use a standing order or internet / telephone banking to make payments. No-one else has any control over these.

 

If you just need to know the balance you can simply request a statement of account, this is free. If it is a mobile 'phone the credit agreement request you would normally pay a £1 for, is not relevant.

 

As for the DCA who's threatened you, i would write and ask for a copy of their complaints procedure. Go through this 1st. If you are not happy with the way they deal with it you can then make a complaint to Trading Standards.

 

[loislanehere]

Yeah its for a 3 mobile account.

 

I've sent the letter now.

 

Do you think I should not pay anything until they reply?

[Hopeful1]

Yeah its for a 3 mobile account.

 

I've sent the letter now.

 

Do you think I should not pay anything until they reply?

 

That has to be your call.

 

All i can do is share my experience. I had an outstanding orange bill passed to a DCA last year. I made payments via internet banking directly to the orange account (details on back of bill). I then asked Orange for a statement of account. When i knew i had paid it all off, i wrote and asked them to confirm the account was settled, which they did. I don't think i heard anything from the DCA at all.

[maroondevo52]

Hi, loiselanehere.

 

In your post it say's your waiting for a reply to your CCA request, if it's for the Mobile Phone debt, have a look at this.........

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/70464-mobile-phone-companies-consumer.html

 

If it's not for the Mobile Phone debt, forget what I just said

 

Regards.

 

Scott.

Edited July 23, 2008 by maroondevo52

[loislanehere]

It is for the mobile phone debt so I'll read that..

 

Thank you

 

And thank you hopeful