Hfo Services Cca Request Help!! *** Discontinued ***

[sillygirl1]

I think that Experian have a lot to answer for allowing DCAs to have complete access to our files, as long as their fees come in they seem happy to let every DCA and their sidekicks access information they have very little entitlement to view.

 

HFO need reigning in and should be barred from accessing tis data, particularly as they appear to be 'manipulating' it to suit their needs.

[bugsy123]

Experian said they are concerned but I couldnt into details because was in my friends house. They are going to phone me again on monday to talk.

[247orbital]

HFO will have signed the same legal paper work from Experian as all the rest of the banks/DCA's etc. This the CRA's seem to think is what waves them from any responsibility. The factual reporting of information is firmly with the lender, credit provider or DCA. They need to prove nothing to the CRA's, the word of the DCA's etc is treated as gospel. Unless you can prove otherwise in which case you will simply be told to contact the DCA/Bank etc.

[bugsy123]

Got the feeling following on from my conversation with Experian that sending out copies of credit reports was a definate NO NO. Asked was it legal but she wouldnt go into the legal side of it. Told them not to worry as it has been reported to the trading standards and the ICO. They are going to be speaking with HFO regarding this practice. Cant tell what action will be taken though as due to confidentiality. Laughable. I urge everyone to complain to the compliance department of experian as the more complaints the better.

[coledog]

Well done! a bit of a result

 

Make sure that you have make a complaint to OFT also

[bugsy123]

Well recieved a letter today from turdybum informing me that I have 21 days to pay before legal action. They inform me today that my account was assigned to HFO Capital limited ("HFO Ireland") The legal owner of my debt. Assigned from an affiliate factoring company. HFO Capital Limited ("HFO Cayman") a group company incorporated under the laws of the Cayman Islands who previously purchased my debt from Barclays. NOT WOT BARCLAYS SAID! Date of assignment to Ireland from Cayman jan 08. Still want me to direct payments through their agents HFO Services LTD. So its took them three years to send out letter of " ACCOUNT TRANSFER TO HFO CAPITAL LIMITED" letter.

[DonkeyB]

Well, that assignment from Cayman to Ireland was possibly illegal, and is probably also therefore a void transaction. HFO Capital Ireland did not have a consumer credit licence on 31 January 2008, so trading in debt was potentially a criminal offence.

 

This means that technically HFO Cayman still owns the account (other issues aside) - but - oops! - HFO Cayman's licence has lapsed, so they cannot action the debt or reassign it.

 

We really need these clear issues tested in court.

 

You've seriously fecked this up, haven't you, Mr T? Do your investors know about this? Maybe I should write to them...

[bugsy123]

LOL bang on with the date donkey!

[bugsy123]

we have a guest donkey!

[DonkeyB]

Please complain to the OFT and TS about this possible illegal assignment. Sorry, I meant possible criminal offence.

[DonkeyB]

Dang, I meant both!

[DonkeyB]

Probably a guest from India.

[bugsy123]

WIll do first thing monday!

[coledog]

What is a guest donkey?

 

That letter is probably a 'letter before action' expect them to issue a court claim in the near future. Have they actually met your s78 CCA request, I cannot remember?

[DonkeyB]

A guest donkey is a donkey that is visiting you.

[coledog]

Thanx I will remember that

[DonkeyB]

For your complaint, you’ll need evidence to back it up (though the OFT should know the statute and the law).

 

For the CCA info, go here:

 

http://www2.crw.gov.uk/pr/default.aspx

 

In the ‘Organisation Name’ field, type ‘HFO Capital *’.

 

This will bring up the records for both Cayman and Ireland. These will show the status of the licences, and when they were granted. Print them out as evidence. You will note from the history that HFO Ireland did not even apply for a licence until AFTER this transaction. I reckon HFO Ireland’s whole reassigned portfolio is therefore duff – that’s why complaints are important.

 

You should also complain about HFO Ireland processing your data while it was not registered with the Data Protection Registrar/Information Commissioner’s Office. Go here:

 

http://www.ico.gov.uk/ESDWebPages/search.asp

 

Again, key in ‘HFO Capital *’ and you’ll get both.

 

Note that HFO Ireland’s entry shows registration on 7 August 2008 – over six months after they MUST have processed your data (their contract shows it was assigned via CD). This again is potentially a criminal offence, so include this in your complaint to the OFT, and do a separate complaint to the ICO.

 

Go get ’em...

[coledog]

It works if you put HFO Capital in 'trading name' but I am only getting Caymen on the first one, not Dublin

[DonkeyB]

Key this exactly:

 

HFO *

 

The asterisk means anything can come after HFO. You will get both Capitals and HFO Services.

[coledog]

Ah the magic 'wildcard', got it now

[bugsy123]

Complaint number 2 to the OFT gone in today!!

[bugsy123]

After an acknowledgement of solicitors letter to HFO the phonecalls have started again. The ones I have asked several times for them not to make. I mentioned about the credit consumer license bit and bam! Straight on the phone to me.

[DonkeyB]

More complaints then. They are wholly justified complaints you will be making. Criminal harassment springs to mind.

[Bazooka Boo]

1 Prohibition of harassment.(1)A person must not pursue a course of conduct—(a)which amounts to harassment of another, and(b)which he knows or ought to know amounts to harassment of the other.(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.(3)Subsection (1) does not apply to a course of conduct if the person who pursued it shows—(a)that it was pursued for the purpose of preventing or detecting crime,(b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or©that in the particular circumstances the pursuit of the course of conduct was reasonable.

http://www.legislation.gov.uk/ukpga/1997/40/section/1

 

127Improper use of public electronic communications network(1)A person is guilty of an offence if he—(a)sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or(b)causes any such message or matter to be so sent.(2)A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—(a)sends by means of a public electronic communications network, a message that he knows to be false,(b)causes such a message to be sent; or©persistently makes use of a public electronic communications network.(3)A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.(4)Subsections (1) and (2) do not apply to anything done in the course of providing a programme service (within the meaning of the Broadcasting Act 1990 (c. 42)).

http://www.legislation.gov.uk/ukpga/2003/21/section/127

[bugsy123]

For your complaint, you’ll need evidence to back it up (though the OFT should know the statute and the law).

 

For the CCA info, go here:

 

http://www2.crw.gov.uk/pr/default.aspx

 

In the ‘Organisation Name’ field, type ‘HFO Capital *’.

 

This will bring up the records for both Cayman and Ireland. These will show the status of the licences, and when they were granted. Print them out as evidence. You will note from the history that HFO Ireland did not even apply for a licence until AFTER this transaction. I reckon HFO Ireland’s whole reassigned portfolio is therefore duff – that’s why complaints are important.

 

You should also complain about HFO Ireland processing your data while it was not registered with the Data Protection Registrar/Information Commissioner’s Office. Go here:

 

http://www.ico.gov.uk/ESDWebPages/search.asp

 

Again, key in ‘HFO Capital *’ and you’ll get both.

 

Note that HFO Ireland’s entry shows registration on 7 August 2008 – over six months after they MUST have processed your data (their contract shows it was assigned via CD). This again is potentially a criminal offence, so include this in your complaint to the OFT, and do a separate complaint to the ICO.

 

Go get ’em...

 

Donkey what do you mean by contract assigned by CD?