HFO Services

[syproject]

Hi all

 

I have been reading through posts to try and help with my situation and read the best way to get help is to start your own thread.

 

Right I got into trouble with Barclaycard who then sold the account to HFO Services.

 

I have dealt with HFO for about 4 years, setting up payment plans and failed twice due to inexperience of debt management.

 

I have now got it all my debts under control and paying HFO services monthly, however I have sent a CCA request to see what I actually signed up to. (I was 18, I am now 25.)

 

I do acknowledge the debt and do want to pay all my debt off, however I want to see how much interest and charges they have put on to my account. they refuse to tell me such information and when I request them to send a balance they send a letter with just a figure of the amount I owe with no breakdown.

 

I sent a CCA the 3rd February and I have still not received anything back from them.

 

What should I do now? Do they legally have to supply me with this information?

 

Thanks for any help any one can offer.

 

simon

[SHELBELLE]

Hi Spyro

 

You need to send a SAR (subject accedd request) to them with a £10 postal order, again don't sign the letter and send recorded delivery.

 

They have 40 days to respond, they should send all data they hold on you as well as the history on the account.

 

Hope this helps, the letter is in the template section.

 

S.B.

[syproject]

thanks Shelbelle !

 

much appreciated

[SHELBELLE]

Your welcome.

 

I don't know a lot but I do know that answer!!!

 

 

S.B.

[SHELBELLE]

And I meant ACCESS, sorry typo!!

[syproject]

thanks so what information should I get from a cca? looks like I have gotten the letter muddled up.

[SHELBELLE]

Hi

 

The CCA is to request a copy of the original credit agreement that you signed with all the prescribed terms etc contained.

 

The SAR is to show all the data they hold on you personally.

 

If you have sent the CCA request it won't hurt, they have 12 + 2 days to come up with a valid enforceable CCA, after that time they are in default of your request and you can if you wish stop paying them.

 

I would personally send the SAR as well and the you will be able to see if any unlawful charges are on the account with a view to getting them refunded.

 

Hope this helps.

 

Someone else with more knowledge may be along with further comments for you.

 

Good luck

 

S.B.

[syproject]

thanks S.B well they have defaulted on the CCA, will send a Subject access request before i stop paying

[SHELBELLE]

Ok

 

Don't forget to keep your thread updated.

 

S.B.

[syproject]

I Have just had a very rude man from hfo call at 8:30 this morning depanding me pay another one to stop the interest.

 

I have already set up a payment plan with hfo and now they are demanding more money.

 

They say they have never received my CCA Request even though I have proof of signature.

 

I also found out that every one i have been deling with is in india!

 

if I have done a cca request even if I have set up a payment plan. can I cancel everything till they give me what i have requested?

 

also does any one have a default letter to report these idiots?

[syproject]

i just found out barclays sold my acount to roxburghe http://www.roxburghe.com

 

however HFO Services Claim they purchased the debt of Barclay card. is this right? can another company claim they are collecting for Barclaycard when they are collecting for Roxburghe?

 

any help would be appriciated

 

I also found out the oust standing debt barclays gave to Roxburghe was £2096 HFO are chasing 2750 plus charging interest everyday is this legal?

Edited March 3, 2009 by syproject
more info

[DonkeyB]

A quick google shows that HFO and Roxburghe are part of the Concilian group, but in that case Roxburghe should, at some point, have reassigned the alleged debt to HFO services. They'll probably just make up the paperwork to cover their ar*es, but equally you should have received the relevant notices of assignment.

 

You must request a full breakdown of the alleged debt.

[syproject]

HFO Services have never mentioned Roxburghe in any letters, they even say over the phone that barclays sold them the debt, but barclays say they have sold it to Roxburghe

 

Thanks for the reply DonkeyB, I will get on it.

[DonkeyB]

In UK26's famous thread, the missing notices of assignment mysteriously turned up pre-trial dated well before any initial contact (and even to the wrong address). So it would be fair to surmise that, if you ask for any copies of NoAs issued, they will be produced and backdated, and described as 'previously sent'. Keep all envelopes that anything comes in too. It appears complicated, but the tactics are actually easy to unravel.

[syproject]

I was wondering if anyone could offer me any advice.

I have a company called HFO services is chasing me for an old barclaycard debt from 2003

They first contacted me in 2006 regarding this matter and I disputed it with them telling them I do not know of the debt that they are chasing. (unaware it was barclays, because the about was almost £1000 more than what they were asking for.)

They threatened me with bailiffs and legal action so I agreed a payment plan (which was far too high) to stop legal action. They started pestering me multiple times a month and even Sundays for payment, I once paid twice in one week because of the threats. i still disputed this every time i spoke to them about the debt but paid to keep the baliffs away.

I took advice from a friend I sent them a CCA request and sent a£1 so they could send me it. however they did not send me the signed CCA within 30 days so I stopped payment. I know they received it because I sent it recorded and they have said in phone calls there has been a £1 payment.

They have recently contacted me again saying wanting payment for this debt or again the bailiffs will come in and I will be taken to court.

I told them on the phone that I never received a CCA from them which they then became aggressive and starting making threats again.

They told me on the phone “they were not legally obliged to provide a CCA” and if I did request another CCA they would just take me to court.

I have now been emailed a cca but but my signature does not look right and it is very dark and hard to read. (also could i still go about seeing if the credit card agreement is legal?)

Could any one advise the best method to take because I do not like the threating behaving, i would rather get a ccj and deal with the courts than speak to HFO again

i have read about a 6 year sat barred for debt collection but may have failed this because i made payment due to the threats.

Any help/advice would be appreciated.

thank you

[BRIGADIER2JCS]

Have you any proof that payments were

made under duress??

They are obliged to provide the CCA it is

a lawful request, so write and tell them

that until your request is fully met the

matter remains in dispute and no further

correspondence will be entered into

until the fulfill their obligation.

You may want to read through some of the

current threads regarding HFO as there are

important developments regarding their legal

status.

Look for posts by donkeyB and coledog.

[syproject]

i'll have a read of their posts, the only proof of duress i have is from the wife and work.

 

thank you for the quick reply

[BRIGADIER2JCS]

HFO is in serious dodo with the OFT,

if you have a valid complaint that the

OFT can look into have a look through

the threads, and just ask for help.

[BRIGADIER2JCS]

HFO is in serious dodo with the OFT,

if you have a valid complaint that the

OFT can look into have a look through

the threads, and just ask for help.

[coledog]

Hi ... I have asked the site team to move this to Debt Collection forum.

[DonkeyB]

HFO is in serious dodo with the OFT,

if you have a valid complaint that the

OFT can look into have a look through

the threads, and just ask for help.

 

Brig, you trying to get your post count up?

 

Subbing.

[cerberusalert]

Thread moved to the Debt Collection forum.

[cerberusalert]

If there is a clear period of six years (five in Scotland) where you made no payment or written admission of the debt it will be statute Barred.

 

If they were stupid enough to take it to court on the evidence that you paid £1 they can be shot to pieces by the fact you sent that £1 as a CCA request and have the recorded delivery receipt as proof.

[coledog]

Would suggest that you give Barclaycard a call and ask them the last payment date also exactly to whom and when did they sell this account. Barclaycard recoveries 0844 556 0066. Ask for anything they say in writing. NEVER speak to HFO on the phone, just say 'in writing only' and hang up. Can you scan the 'agreement' they have sent (with personal details removed) and does it have any Terms and Conditions with it? Sounds like a dodgy application form to me. Start compiling a list of everything and all the documents for an OFT complaint .. http://www.oft.gov.uk/contactus for the attention of Polly Ashford

[dadofholly]

subbing