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Hfo/BC


sorrylittlelot
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shamone,

 

I have a debt with Barclay card and it went to HFO, whom I agreed to pay off installments to stop them ringing (this was before i was educated by this forum) however I never did make a payment and have received the letter below.

I am just about to CCA and SAR them, is this all i need to do at this point? I was also concerned that they have added a charge and interest?

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/scan0001-3.jpg

 

hopefuly some of you good folk will advise me as confusions familiar

Edited by sorrylittlelot
the post needed editinh, hence I becam editfull of said post

I'm worse at what I do best and for this gift I feel blessed

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  • 2 months later...

hello all, this is an exact scan (minus my personal details) of one page from my statements, there are about 10 or so pages of exactly the same "quality"

 

http://i682.photobucket.com/albums/v...t/cap1blur.jpg

 

is this enforceable, any help would be gladly accepted

I'm worse at what I do best and for this gift I feel blessed

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hello all, this is an exact scan (minus my personal details) of one page from my statements, there are about 10 or so pages of exactly the same "quality"

 

http://i682.photobucket.com/albums/v...t/cap1blur.jpg

 

is this enforceable, any help would be gladly accepted

 

I don't know about anyone else, but I'm just getting a "Page Not Found" error.

 

SH

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I sent a CCA and that was there reply, like I say there are about 15 pages of that.

The letter from HFO said " Please find enclosed copies of the statements we have received from Barclaycard in regards to the above account. Please be advised a copy of the application will be sent to you as soon as it is received from Barclaycard.

 

We look forward to hearing from you.

 

 

If i look closely I can make out they have charged me each month.

 

Now I am no expert but I'm pretty sure a true copy means one that I can read!

I'm worse at what I do best and for this gift I feel blessed

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When did you take the (alleged) agreement out? And why would the Application Form (notice they don't say 'Agreement' nor do they refer to T&Cs) be held by Barclaycard if it's a Cap1 account?

 

The statements mean very little without an enforceable agreement.

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Are you sure you have titled this thread properly? The title says Capital1 but you are quoting a letter which says Barclaycard.

 

Either way, the illegible toilet roll in the picture isn't even relevant. If you've sent a CCA request and the "application" is not forthcoming, you are entitled to withhold payment once the time limit expires.

 

If and when they do send you something, I hope it is an application, because if it is, it will not contain the prescribed terms.

 

SH

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Yeah I have just noticed my mistake in the title and asked a mod to change it lol, I swear I could be blonde lol.

 

The alleged debt was taken out in 2004 so I think it would be stat barred next year although I am checking I didnt make a payment to them through PAYPLAN in 2008

Edited by sorrylittlelot
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I'm worse at what I do best and for this gift I feel blessed

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