Sisters Barclaycard debt & HFO

[DonkeyB]

This is their usual ‘your debt has been sold to us, and you are now subject to our standard terms and conditions’.

 

No way, Jose. As said, the only T&Cs that can ever apply are the originals – if they can find them – unless there is agreement between the parties, or unless there is a clause in the original agreement which says they can be varied in this way – ie. once again, if they can find the T&Cs. Which they hardly ever can, and usually they simply bung in any old T&Cs roughly from the period. Beyond about six or seven years ago, Barclaycard, for example, never microfiched the T&Cs with the application, so HFO are always guessing.

[sillygirl1]

If they are claiming it is statutory interest due to no CCA then they can only claim 8% legally, anything more is extortionate.

 

HFO as we know are economical with the truth and work beneath the law.

[247orbital]

My SAR went off today apparently, Barclaycard are normally good at returning SAR's. What sort of time frame should I expect?

[broken arrow]

My SAR went off today apparently, Barclaycard are normally good at returning SAR's. What sort of time frame should I expect?

 

within the 40 day timescale.

[coledog]

I usually tell people to list previous and new address and send a Utility bill, but others have sorted it over the phone with BC. BC are normally reasonably quick at

sending some information but may send additional data withing the 40 days so you do have to wait.

[coledog]

274orbital

 

Do you need to start your own thread on this? - could get confusing and I am easily confused

[247orbital]

Sorry Coledog, will do upon my return, I just want all the paper work when I arrive to start the action against HFO. I know an SAR has 40 calender days for response, but I was under the impression that Barclaycard were quite prompt with SAR's.

I won't post any more on this thread.

[coledog]

I won't post any more on this thread

 

Not a problem, not trying to drive you away, it just gets a bit confusing when 2 cases get discussed on the same thread

[the_shadow]

Posts removed from OPs thread and new one created for 247Orbital.

 

S.

[247orbital]

Is it usual for BC to send the results from an SAR in multiple mailings or should I receive it all in one go?

[coledog]

They can come in multiples therefore you need to wait the full 40 days for the full response

[247orbital]

Thought so, thank you

[247orbital]

Just to update:

 

Had SAR information back from Barclaycard, written proof account was defaulted in late Jan 2004! Barclaycard did not register the default until March 2005, 14 months later. Barclaycard have removed their default last year (2010) after they were contacted.

 

HFO are confirmed as purchasing the account May 2007 and yet show the date of default as Nov 2006.

 

The account has nearly £500 worth of charges and yet the original limit was only £500.

 

I also have the date of last payment and the alleged debt is long SB!

[DonkeyB]

Good news. Time to also let HFO know the good news. If they argue without proof, then the OFT would love to hear from you.

 

Well done. Shows the absolute value of doing your homework with an SAR with these clowns.

[247orbital]

I will give HFO the chance to remove the incorrect entry on my CF, 28 days, then 10 days failing that a LBA and complaints to the OFT, ICO etc.

 

Now can someone advise me on these charges and what to do regarding them etc. There is also PPI on the Barclaycard account.

 

Also not that to date there is no CCA from Barclaycard at all but they do have another few weeks yet to fully respond to the SAR.

 

Contact with HFO is on hold until then.

[DonkeyB]

Reclaim the charges from Barclaycard, but you must insist they are repaid by cheque to you – not a credit to HFO.

[247orbital]

How do I go about that with BC?

[DonkeyB]

Well, if it’s SB you’re probably too late to reclaim...

[247orbital]

No worries the whole plan is to get my CF straight really and was never for compensation.

 

I'll keep everyone updated when I contact HFO next month.

[247orbital]

Due to all the recent influx of HFO posts I think it can come to one conclusion, these mainly Barclaycard debts are nearing the end of there 6 year life. Hence all the activity. These all seem to stem from HFO purchasing them around 2006/07, in my experience these will be from accounts that defaulted in 2004/05.

 

I strongly urge anyone who has had recent contact from HFO to SAR Barclaycard (or the OC), double check the default date listed on your credit file as HFO are well known to have altered these to when they purchased the debt. Check all the charges, check for the valid CCA (in my case even Barclaycard can't come up with one). Check for the date of last payment, very important for SB status.

 

HFO have sat on these accounts for a very long time and it seems these are lemons and they know it. We all know DCA's play the numbers game for every 10 calls or letters they write you can guarantee that only 1 in 10 knows their rights under law. Its not about avoidance its about not being bullied by questionable companies who use deceit and lies for their own gain.

 

All the average consumer wants is a decent chance at repayment of debt, if the OC's were more approachable and not so quick to write off their losses and sell to these parasitic DCA's. Repayment would be direct to them. Its a question of common sense and fairness.

[247orbital]

**** the bed this morning HFO? 10 guests ???? LOL

[Jessie82]

Thanks I look forward to everyone's feedback

[247orbital]

And I can not stress strongly enough COMPLAIN!

 

To the ICO, Trading Standards, OFT, your MP, Consumer TV shows such as Watchdog. Complain to the CRA's, demand complaints procedures.

 

An influx of complaints will set alarm bells ringing somewhere and hopefully bring about change.

[babybear39]

Subscribing...

[lop]

Following this thread with interest