HFO Services Ltd v Wife

[broken arrow]

No, its just an update, the original default date is there 18/08/2007

[rippedoff15]

Are we right in thinking that the debt will be statut barred after 6 years from the date of the last payment which was 21/01/2007

[broken arrow]

Correct unless you are in Scotland, which is 5.does your SAR printout indicate who the account was sold to?

[BRIGADIER2JCS]

It will be SB if no payment

or written acknowledgement

has been made at ant time

in the previous 6 years.

[rippedoff15]

 

We have been sent this letter today any feed back would be great, also HFO have sent the copy application form dated 1999 also attached

 

cheers

[BRIGADIER2JCS]

Sorry too small to read.

[rippedoff15]

 

copy of application dated 1999 from HFO Service, however no T&C attached just this copy

 

any feed back would be greta

 

cheers

[coledog]

Can you save your scans as PDF (free software is available), far easier to read. And get you get a bit more of the application form in?

[rippedoff15]

Hi All,

 

Just trying to clean up my wifes credit file, had nothing from HFO regarding this debt, however looking at the credit file it state a defualt date of 18/08/2007, however the last payment which was confirmed by HFO was on 22/01/2007 so will the debt be SB Jan 2013 or Aug 2013 can any help

 

cheers

[DonkeyB]

Should be safely SB by March 2013.

[rippedoff15]

Will it be removed after that date say March 2013 ? do we have to ask for it to be removed or just wait and see

[DonkeyB]

No. SB date is nothing to do with the recorded default. At present the default will fall off in August 2013.

 

However, seven months to record the default with the CRAs is a tad long. Should really be 6 months max, if they are treating their customers fairly and in accordance with guidelines.

 

You should complain to the original creditor about the delay in defaulting with the CRAs, and ask that they arrange with HFO to change the date. However, the date will probably only be moved back a month. Maybe not worth the bother.

[DonkeyB]

Rippedoff, any update on your credit status?

[rippedoff15]

Hi, we have checked the credit file and its still on file, the last payment made was 22/01/2007 therefore its now Barred we think had no letters call from

[BRIGADIER2JCS]

Stat barred = no payment (to any party) regarding the debt and no written acknowledgment.

 

The entry remains on file until the full six year life of the default expires.

[rippedoff15]

Hi, yes no payment to anybody since the date of 22/01/2007 we have never signed any paperwork from M&S or HFO.

[BRIGADIER2JCS]

SB letter away then, be rid of them for good!!

[rippedoff15]

Well checked the credit file today the debt relating to HFO services is still listed copy below, we have double checked and the last payment was on 22/01/2007 which was confirmed by HFO therefore is now Statue barred. They issued default on 18/08/2007, will the credit company remove the account & default after the date 18/08/2013 or do we have to ask HFO ????????

 

 

HFO SERVICES LTD Who's this?

Entry Number: C5 | Account Updated to: 14/07/2013

Name: Address: Date of Birth: Account Type: Credit card / Store card Started: 11/05/1999 Current Balance: £3,554Default Date: 18/08/2007Default Balance: £3,520

 

 

 

 

 

[broken arrow]

It will automatically drop off.

[dx100uk]

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

[rippedoff15]

Well the debt was statue barred feb 2013, the default was listed on 17/8/2007. But so far still listed on the credit file , how long before it is removed ????

[BRIGADIER2JCS]

Hello RO, a default with 'time to run' will remain after SB for the balance of the 6 year period.

[rippedoff15]

Hi Brig , well its it right the last funds paid was jan 2007 which was confirmed by HFO , they listed default 18/8/2007. Are we right in thinking this debt is statue barred and should be removed from the credit file after 18/8/13. Or are we wrong ??

[BRIGADIER2JCS]

yep on the 6th anniversary of the default date or soon after depending on the CRA normal updating schedule.

[rippedoff15]

Fingers crossed its removed soon ?