HFO Services Ltd v Wife

[rippedoff15]

where do we find the address to report HFO services is their a template letter

[broken arrow]

I have PM,d you the OFT contact.

[rippedoff15]

many thanks, will be sending the CCA monday to HFO and reporting them to OFT also i will send recorded mail as well

[coledog]

Links for OFT and ICO - you must word the complaint according to your circumstances but we can help

 

OFT http://www.oft.gov.uk/

ICO https://www.ico.gov.uk/Global/contact_us.aspx

OFT Guidance link

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

[broken arrow]

Address for SAR if you don,t have

 

KINGS MEADOW

CHESTER

CHESHIRE

CH99 9FB

[rippedoff15]

many many thanks

[rippedoff15]

is this the address for M&S credit card

 

Address for SAR if you don,t have

 

KINGS MEADOW

CHESTER

CHESHIRE

CH99 9FB

[coledog]

Believe so

[DonkeyB]

A call to M&S is wise – you need to ask who the sold it to. They tend not to be sure. Also ask EXACTLY when it was sold.

 

BA, I thought M&S cards were run by HSBC?

[coledog]

I am getting the Kings Meadow address when I google them - good place to start

[broken arrow]

Marks & Spencer Money and Your M&S are trading names of Marks & Spencer Financial Services plc.

Registered in England No: 1772585. Registered Office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Services Authority. A wholly owned subsidiary of HSBC Bank plc.

[FORMISTER]

Have you made any payments or acknowledged the debt since 2006? If not, then this is a last ditch effort to get you to pay before it becomes Statute Barred (unless you are in Scotland ) in which case it will already be SB.

 

If it was 2006 then it would still be enforcable for another year minimum depending when it was last paid

[dadofholly]

subbing

[rippedoff15]

Today Friday 21st Jan 2011 was have now been issued a letter with BIG RED LETTERS 72 hour notice of litigation claiming the file will now be sent to solicitors to reclaim via the courts, however we have sent by recorded mail the CCA request can they still start court action if they habe not replied to our CCA request, what action should we take

 

1, igone this letter.

2, Wait until our CCA request timescale has passed and send the next letter.

3, Send CCA again

 

any help would be great

 

cheers

[DonkeyB]

They cannot take ANY enforcement action while in default of fulfilling a CCA request. Doesn’t mean they won’t though...

 

...because they’re stupid. Aren’t you, Bart?

[coledog]

Hi

 

This is the next letter in the standard set of threatening letters - did they attach anything to it? If you have made a complaint to OFT, you need to add this to your complaint.

 

Have you checked when the CCA request was received by them? If so allow 12 working days and send the Account in Dispute letter if no agreement received

[rippedoff15]

They have attached again a full copy of the credit report from Experian ( Econsumerview ) yet again reporting all our creditors address outstanding amount etc, i will be writing to the OFT today and enclosed all copy letters from HFO and all the attached reports reportng them etc also we sent the CCA by recorded mail and we have the tracking number and it confirms the they have had the CCA letter.

[coledog]

Make sure that you also send a complaint to Experian and ICO about this use of your data.

[FORMISTER]

All standard HFO Threatograms, I must of had 5 72 hour notices over the past two years. I would seriously doubt they will take you to court at the moment.

[rippedoff15]

Hi, we have sent the CCA letter to HFO but so far no feedback, however today they have wrote again but this letter states they will be starting court action and the letter details all the costs which they intend the apply, the letter states we have 7 days to repay, within 12 days solicitors letter then court action which 14 days by the way of Northampton Court, they attached copy of all costs and EX50 as well.

 

What should we do now as they seem to refuse to reply to the CCA, what happens if we get court papers, can anyone help

 

cheers

[coledog]

Do you know when the CCA letter was received? I have put a link below to check delivery

 

If it is 12 plus 2 working days you need to send the Account in Dispute letter - link below.

 

Can you describe ithe letter in detail or scan it in with all personal details removed? It sounds like a 'schedule of litigation' letter - just the next threatogram in the HFO file of threatograms but need to make sure

 

Account in Dispute letter

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

Track and Trace

http://track.royalmail.com/portal/rm/trackresults?catId=22700601&pageId=trt_rmresultspage&keyname=ePOD4_track&_requestid=126033

[rippedoff15]

Hi, yes the letter is 'schedule of litigation' and the debt has now gone of by £255.00 as well, the letter has 2 boxes 1st with Activity and 2nd with timelines, they state they will have the judgement in 15 days and then take enforcement via charging order/attachment of earnings/warrent of execution etc , they have also stated we can raise a defence by respnding to the claim from the county court, should we choose to.

 

At the bottom of the letter in bold it also states we should engage a solicitor, and they have attached Annexure - Solicitors Costs and copy of the HMRC letter EX50.

 

We also sent the CCA by recorded mail which confirms they have had the CCA

 

cheers

[DonkeyB]

They CANNOT take enforcement action while in default of a valid CCA request. If they do, you will have a bit of fun.

[coledog]

Check the track and trace link in post above to see when they received the CCA request therefore when you can send the account in dispute letter.

 

The letter you have received is full of inaccurate information and basically rollocks. Have you made an official complaint to OFT? If so you need to add this to your complaint as it is sheer intimidation to pay money that they have not proved that you owe and written in athreatening manner. You also need a complaint to the Ministry of Justice for use of their leaflet in this manner

[rippedoff15]

Hi All, We ahev spoken to M&S today and they have confirmed the followng details:

 

1, The last payment made to the account was at the end of December 2006 ( £101.19 )

2, The debet was sold to HFO Servcies on 13/09/2007

 

And if the debt was sold back in 2007 both M&S and HFO never wrote until now ?????

 

Cheers