letter from HFO regarding a debt

[HF whO?]

Roxburghe exists OK - it's another part of the group of companies, and is closely related to HFO.

 

If you talk to them you will effectively be talking to HFO so DON'T DO IT!

 

There are other ways to get at the root of what you need.

 

Ask for that info IN WRITING from BOS. Tell them this information is vital and must be accurate - ask them to double check. Ask if these are the only accounts that HBOS has sold to Roxbughe. If it's the ONLY history they have with Roxburghe, then there's no reason for an 'admin error' on the systems.

 

This is becoming a worrying trend for HFO. I do not believe their dealings, even with the people they buy debts from, appear transparent.

 

 

Well I've been on the telephone to yet another helpfull Blair, Oliver and Scott advisor and they have checked their records on the system and are happy that the debt was sold to Roxburghe. I am awaiting a call back now from the debt sales team to confirm this and I will ask for this in writing.

 

When calling the Roxburghe number they don't actually say WHO they are when they answer the call or when the automated messages kick in. I agree this is definitely affiliated somehow with the others.

 

I managed to speak with a very dull character on the end of the line after the first one managed to cut me off? and they have checked their records after doing a post code search and name search and are happy that they do not have my records:rolleyes:

 

I chased this up a couple of years ago and this is the exact same wall that I hit back then. Debt passed to Roxburghe - Roxburghe don't have any details???

 

I think I need to send a request into this Roxburghe mob and see what action they decide to take. I'm guessing that I will never receive anything back from them;)

 

Which request would be the one to send them though?

[sillygirl1]

Roxburghe and HFO share addresses, funny that they are all together in Weybridge isn't it... HFO are a slippery bunch and try and hide under various names, but it all boils down to the same company.

[HF whO?]

Roxburghe and HFO share addresses, funny that they are all together in Weybridge isn't it... HFO are a slippery bunch and try and hide under various names, but it all boils down to the same company.

 

The address and telephone number that I was first given by Blair, Oliver and Scott is

 

Roxburghe PLC

Roxburghe House

Lavender Park Road

West By Fleet

Surrey

KT14 6NA

0870 744 62 48

 

HFO Services Limited

PO BOX 342

West By Fleet

Surrey

KT1 6YX

 

 

They must nearly be neighbours

[DonkeyB]

All part of the Concilian Group, registered in Malta and masterminded by one Badri Nathan.

 

But that's irrelevant.

 

Can you record your calls?

[HF whO?]

Can you record your calls?

 

Unfortunately not:(

 

I know I have to back all this up in writing.

 

I'm struggling to find the correct address to send the SAR for Sainsbury's. I cannot get to speak with them direct because everytime my account number is added it takes me to Blair, Oliver and Scott.

 

Does anybody know of the correct person/address to send this to please?

 

Regards

[cerberusalert]

It'll be the Data Controller for Bank of Scotland... BoS = Blair Oliver & Scott.

 

ADDRESS for Data Protection Act S.A.R.

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

Bank Accounts - Data Protection Act Dept: 01422 3263 98

Credit Cards - Data Protection Act Dept: 01422 391 152

[HF whO?]

It'll be the Data Controller for Bank of Scotland... BoS = Blair Oliver & Scott.

 

ADDRESS for Data Protection Act S.A.R.

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

Bank Accounts - Data Protection Act Dept: 01422 3263 98

Credit Cards - Data Protection Act Dept: 01422 391 152

 

Thank You very much:cool:

 

I've given up on the forum anti-tamper signature idea though! Tried uploading signatures and something isn't working out:mad:

 

What is the law regarding the signatures we put on the letters we send please? Obviously we don't want to run the risk of our paw prints being lifted now do we;)

 

Regards

[cerberusalert]

Select committee on Trade and Industry minutes of evidence

(1996 Legislative working party)

 

2. The working party looked at the legal issues regarding the terms document, writing, signature, instrument, and records of transactions and originality. The Government's current proposed legislation focuses particularly upon the issue of signature. The working party considered the leading case in English law on signature methods, Goodman -v- J Eban Limited. That decision established that:

 

2.1 mechanical signatures using rubber stamps, printing or typewriting were valid in english law;

2.2 a signature can be by a mark rather than a name as long as evidence can be given to indentify the placer of the mark and the intention to sign; and

2.3 words other than a name can amount to a signature if the necessary intention to sign can be proven

 

Now although this working party was looking into the Electronics Commerce Bill it points to . .

 

Goodman v J Eban Ltd (1954)

 

A solicitor signed a solicitors bill with a rubber stamp which contained the name of the law firm. In the judgment it was determined that the rubber stamp was a valid signature, even theough the Solicitors Act of 1932 required a solicitors bill to be signed; it was established that it is enough to demonstrate that the rubber stamp was affixed by the solicitor with the intention to sign the solicitor's bill.

 

So now taking the highlights above I go to:

 

Interpretations act 1978

 

Schedule 1

 

1973 c.37.

 

"Writing" includes typing, lithography, photography or other modes of representing or reproducing words in a visible form and expressions refering to writing can be construed accordingly

[HF whO?]

As I was trying to sort out Signature I have missed the Post Office.

 

This does give me time now to get all of my letters together and hopefully sent at the same time though.

 

I have also subbed to Vanessa's thread and have noticed that there are a few more details there that may also apply to me?

 

 

1 So, am I correct in addressing my Sainsbury's Bank SAR to the Data Controller for Bank Of Scotland?

 

ADDRESS for Data Protection Act S.A.R.

 

DSAR Team

10 Carlton Street

Halifax

HX1 2AL

 

 

2 CCA Request to HFO Services Limited

 

3 Complain to Trading standards and Office of Fair Trading about the letters sent by HFO Services AND Turnball Rutherford Solicitors

 

4 Complain to Solicitors Regulation Authority regarding Turnball Rutherford Solicitors

 

Regards

[broken arrow]

you still need to sort post 62, when you ring Sainbury,s bank is there not an option where you do not need to put in your card number ?

[HF whO?]

you still need to sort post 62, when you ring Sainbury,s bank is there not an option where you do not need to put in your card number ?

 

That should have been taken care of in my edit?

 

When I call sainsbury's you cannot proceed without entering the 16 digit number. I've even tried getting around this by going through customer services but they can only provide an email address to which you so say receive a telephone call back?

[F_DCAs]

If you can't record your calls, don't call them - and don't acknowledge them if they call you.

 

Deal with them in writing only - they'll tell you any old gutrot on the phone, but they're very limited in what they can tell you in writing because that method leaves an audit trail.

[HF whO?]

Can I SAR Blair, Oliver and Scott? They seem to hold all the information but won't or cannot provide me with the contact or address to SAR Sainsbury's?

 

If so I am going to print off the letter along with a CCA to HFO Services so I can send it in the morning

[cerberusalert]

Blair, Oliver and Scott are the in-house collection arm of the Bank of Scotland... notice how their initials are the same. Your Sainsbury's a/c is in fact the Bank of Scotland.

[DonkeyB]

You can SAR anyone you like who controls data for £10.

 

But I think HBOS itself or Sainsbury's must be the better targets. Sainsbury's is the number one target - there must be a way to find an address - have you any old statements? Although the account was run by HBOS, your agreement, I think would have been with Sainsbury's.

[cerberusalert]

The alternative would be to send it to Sainsbury's registered office marked for the attention of DSAR Team;

 

Sainsbury's Bank plc, Registered Office 33 Holborn, London EC1N 2HT

[HF whO?]

Well, I've just printed off the SAR to HBOS and decided to the credit card account number AND the roll number of my bank account too in the hope that I can kill two birds with one stone;)

 

Just about to do a CCA for HFO Services now

[broken arrow]

Here is a scanned version of the first letter I received which brought me to this wonderful forum.

 

That,s better

[HF whO?]

I now have two envelopes sat in front of me that are addressed and awaiting Postal Orders!

 

SAR to HBOS and a CCA to HFO Services Limited

 

Once these have been sent in the morning I shall set about photocopying the letters I have received and write some complaint letters to the appropriate bodies;)

 

Any help regarding what to write to the OFT, Trading Standards and Solicitors Regulation Authority would be greatly appreciated:D

[HF whO?]

That,s better

 

 

:D:D

[HF whO?]

£10 Postal Order enclosed with SAR to HBOS and sent recorded delivery!

 

£1 Postal Order enclosed with CCA request to HFO Services Limited and also sent recorded delivery!

 

I am just about to scan all proof and file away ready for when it's time to produce.

 

My next step will be to write my complaint letters

[HF whO?]

You can SAR anyone you like who controls data for £10.

 

But I think HBOS itself or Sainsbury's must be the better targets. Sainsbury's is the number one target - there must be a way to find an address - have you any old statements? Although the account was run by HBOS, your agreement, I think would have been with Sainsbury's.

 

The alternative would be to send it to Sainsbury's registered office marked for the attention of DSAR Team;

 

Sainsbury's Bank plc, Registered Office 33 Holborn, London EC1N 2HT

 

I've still been thinking over this and whilst I have sent a SAR to HBOS I'm now wondering if I should send a CCA to Sainsbury's Bank plc @ EC1N 2HT?

 

Obviously my main objective is to find out exactly who the debt is owed to. The Blair, Oliver & Scott debt sales team have received an instruction from one of the advisors that I spoke with yesterday. I was told that THEY will be able to tell me for certain who the debt was sold to.

[HF whO?]

Just received a call and it seems that the SAR to HBOS has started to be processed already:)

[DonkeyB]

Can you elaborate?

 

It seems odd that, in several threads on the forum, these financial institutions think they have sold debts to Roxburghe, not to HFO Capital They can't all be mistaken, surely?

 

Both Barclaycard and HBOS have Roxburghe recorded as the buyer on CAG threads. This cannot be 'admin error'. There is something seriously dodgy about HFO Capital's alleged assignments that needs serious investigation.

[HF whO?]

Can you elaborate?

 

It seems odd that, in several threads on the forum, these financial institutions think they have sold debts to Roxburghe, not to HFO Capital They can't all be mistaken, surely?

 

Both Barclaycard and HBOS have Roxburghe recorded as the buyer on CAG threads. This cannot be 'admin error'. There is something seriously dodgy about HFO Capital's alleged assignments that needs serious investigation.

 

 

The only name coming back from HBOS at the moment is Roxburghe.

 

I have spoken with 4 different people at BOS and they have all given me the same information.

 

I guess it's just a matter of waiting for the material to come back to be confirmed in writing?