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    • They state 10 after receiving payment they will mark the account partially settled and inform the credit agencies.  The account is now closed. 
    • thanks andyorch 👍 i think i did see that before ... where it says "Online, mail and telephone order customers have the right to cancel their order for a limited time even if the goods are not faulty. Sales of this kind are known as ‘distance selling’." i doubted myself as ..is this different to my circumstances as it says even if the goods are not faulty. or would my situation still be covered by this under the distance selling?   im a bit confused ..like when peopel say 'this is in addition to your statutory rights" etcc?
    • No they don't need to compensate you for it is the short answer. There's no compensation for emails or time, nor "interest of your money" and no refunds for postage either.   You got your refund that's it.
    • Hi, See the attached, namely they have until 4pm to respond but it still hasn't updated to let me request judgement despite it being 4:16pm. Thoughts/advice     PDF RFJ.pdf
    • its not a 'payment limit'...i just want to know if theres any thing in comsumer law that says they can not take over 45 days to refund me. do you really think its fair they withold everyones refund and earn interest on the funds in their corperate account?   as i said before(after trying to sort it for a couple of months with HP not replying, not offering a solution etc) i emailed 3 different people from different departments every day for over a monthas they wouldnt tell me when the refund would be - they just keep stringing you along. they are a nightmare to deal with or get any results in a timely manner. i phoned various departments all of which took hours at a time as no one could tell me when i'd get my refund and why ive not got my refund so far. i had to wait 6 days for a parcelforce label because they sent emails for the return without the actual label to print out...so i had to keep emailing them saying 'theres no label' only to receive a pre-typed reply with 'here is your label' that didnt contain an attachement with the label. so i had to ring parcelforce and then they arranged a collection that didnt turn up (after waiting in all day) so then had to start emailing incompetant HP again...and the cycle continued. i even joined their forum in hopes that someone would sort it...so wasted time on there explaining everything to someone who said they would get it sorted...then after a few days of no reply i had to email them and they would reply with general bs like "yes its getting refunded now"...then i asked when and they wouldnt reply for days which prompted more emails etc etc etc i made 3 official complaints ....all of which just got marked as 'resolved' just because they answered me with "your refund will be processed"..so i emailed back questioning when it will be refunded ie a date and then receive another reply of "we are dealing with your request and investigating this"...leaving you in the lurch with no definite answer. there are other customers on their own forums saying the same thing - some have been waiting 60 days or longer.... but dont take my word for it...buy something from them and then see how bad they are when things go wrong and how much time will be consumed in your day just trying to get a simple answer like what day you will be receiving your refund...as they never told me. i just had to wait for over 45 days in the hopes that they actually would refund me sometime this year! aftter a month citizens advice told me to write letters and send recorded delivery in case they never did refund me. this took hours of my time and going to the post office or getting someone to do it is inconvenience as i have a mobility disability. its like banging your head against a brick wall with them...which is why all i want is  to be forearmed as i dont want to be going too and throw for another month establishing that they do have to compensate me for the time/ emails, lost interest of my money and postage for the recorded letters etc etc etc
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Link below to the thread on making a complaint to Experian. I am also suggesting that people write an official letter of complaint to HFO headed FORMAL COMPLAINT, address to the General Manager and ask for a copy of their complaint procedure by return of post. Also put 'copy to OFT, Consumer Direct and ICO' at the top .If it is the same 72 hour letter that others have received it is very threatening and meant to cause distress. Assume it says things like Bailliffs will visit your property and stuff like that, much of this being untrue. You need to point out in your letter that this is an invasion of your personal data and you consider it to be harassment designed to cause distress. I have added a link to OFT Guidelines to help you formulate some complaints.

Was there anything else other than the credit report?

Receipt of e-consumerview report complaints

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

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

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They included a load of e-consumerview gumf.. which includes details of of someone who lives around the corner

I think that is serious enough.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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No not yet as last threat was back in april withthe 14 day letter. Yeah i have been linked to an address on the same road just not my block of flats and it says the name of who lives there!

CCA sent Crapquest ran away...

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CCA request link below - I am using my store of links here! Send this with your letter of complaint to HFO. PRINT your name on both or put line through your sig

 

CCA Request

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute and this should stop them contacting you.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

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

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FORMAL COMPLAINT

Dear Sirs

 

I am writing with regards to the letter I received from you (Open) this morning

Other than being rather threatening and obviously designed to cause distress, it arrived insecure (the envelope was open) but it contained personal information of a credit report of me. It also includes details of somebody that I have no connection with at all.

 

I have also reported you for breaches of the Data Protection Act to Information Commissioners Office, Trading Standards and The Office of Fair Trading, they are all receiving a copy of this letter.

I now wish to receive a copy of your complaints procedure via post.

 

Yours faithfully,

 

CCA sent Crapquest ran away...

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Try this - this is something I have been working on - amend to suit

 

 

HFO Services

PO Box 342

West Byfleet

KT14 6YX

 

Your Ref (from their letter)

 

Copy to OFT, ICO, Consumer Direct

 

Formal Complaint

 

Dear Sir/Madam

 

I acknowledge no debt to your company.

 

I am in receipt of a letter dated xxxx from your company regarding monies that you claim are owed to you and threatening legal action (
amend to suit)
. This is signed by xxxxxxxx

 

I note that the following documents were attached to this letter:

 

1)
A printed Experian credit report obtained via econsumerview web site containing personal information relating to myself.
(and anyone else)

 

There is no explanation as to why this/these attachments were included and I can only assume that this was done so as to instigate a threat or harassment towards myself.

 

The Experian credit report was obtained by you without my prior knowledge or permission and I require an explanation of your entitlement to do this

 

The letter and data contained were not sent to me by a secure registered or recorded service – 1st Class mail being used and the envelope was not sealed.

 

Please view this letter as a formal complaint against your conduct and
I require a copy of your official Complaints Procedure by return of post.

 

I have instigated complains regarding your access to and use of my personal data with Experian, Information Commissioner’s Office and OFT

 

I look forward to receiving your comments on this matter in writing and in the time period specified in your Complaints Procedure. Any further harassment or data infringement by your company (by mail or telephone) will also be Further reported to the OFT, Trading Standards and the ICO.

 

Included with this letter are is a request for information under the Consumer Credit Act

 

This letter is being sent by Recorded Delivery,

 

Yours Sincerely

Edited by coledog

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  • 1 month later...

Did you also send them a CCA request? If they have not replied to that also you should send the Account in Dispute, the link is in the posts above. Did you make a complaint to OFT, ICO etc as it may be worth updating them to say that HFO have not replied to your complaint.

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  • 2 weeks later...

Loan Agreement, Skip Chase Forms from Welcome a crap letter will post up later! Copies of the Id i used when i got the loan. Oh and the original default notice, which date is different from that of on my credit file! Will scan and post later on

CCA sent Crapquest ran away...

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