Reminder Notice of assignment

[Niteman33]

Cheers Broken Arrow but what should i be complaining about? Also should i send anything to HFO? CCa or SAR?

[coledog]

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

[coledog]

Have you not sent a CCA request to HFO?

[broken arrow]

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.

[coledog]

Yes - I would definately make a point of mentioning that!

[Niteman33]

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!

[coledog]

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

[Niteman33]

Right have complained to Experian, ICO and OFT regards this letter and Watchdog! now what sould i CCA HFO

[coledog]

Yes CCA request plus formal letter of complaint to HFO. This should be fun as I doubt that HFO have a Complaints Procedure or a complaints manager.

 

Was there just the credit report enclosed with the letter?

[Niteman33]

There was but it is months out of date as have cleared all defaults except this one!

[Niteman33]

He He its not that old just not in line with experians other site.

[Niteman33]

Failed delivery report to Experian

[coledog]

Probably all the complaints they are getting. It may have changed, on the econsumerview site their should be a Contact Us link

[Niteman33]

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,

 

[coledog]

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 December 16, 2010 by coledog

[Niteman33]

Sent letters recorded 20th Dec and they delivered 23/12/2010 havent heard a peep since!

[coledog]

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.

[Niteman33]

Got a letter this morning and SAR from HFO. All here including original loan agreement signed etc..What now??????

[Niteman33]

Sorry got CCA not SAR

[broken arrow]

can you post up removing any personal info.

[Niteman33]

What would you like me to post up?

[coledog]

Loan agreement - what else have they sent?

[DonkeyB]

Everything they sent. Remove any identifying texts or acct numbers first.

[Niteman33]

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

[DonkeyB]

The date of a default recorded on the credit file and the date on the DN may well be different.