hfo, sent photo of my house.

[sillygirl1]

HFO are well out of order here. You MUST report them and as you feel vulnerable take their letter to your local CAB and see if they can do anything.

 

Sending a photo of your house is really naff, it doesnt prove they are watching you, Googleimages have pics of all the streets which are about 2 years old... I would also wait until the elections and take this claptrap to your local MP and demand action against this type of intimidation.

 

You could also send it to Watchdog and to Tony Heatherington of the Daily Mail.

[sillygirl1]

You need to send that letter to trading standards, they are investigating this company, it sounds as if they are operating offshore from the poor level of grammar in the letter.

 

I also believe that this company are hiding in India now and using outsourced workers to call people. They really do need to be reported via Consumer Direct as well.

[sillygirl1]

HFO have been known to add a "File Referral Fee" of about £250-£750 depending on the original balance... I think it is also a representation of how much they may have paid for the debt.... but I could be wrong on that.

 

They are particularly stupid to deal with, and their rerouted system almost certainly goes 'offshore' somewhere.

[sillygirl1]

Barclays seem to have shot themselves in the foot with this lot - I still cannot believe that these debts sat on one side without any action for three years (they claim to have bought them in late 2006/early 2007 in most cases) before being chased.

 

Surely somebody must have realised they had more chance of getting money the 'newer' their claim was, now it has been left many of these debts are statute barred due to the date of the last payments on them (not from CONTACT by letter as HFO have recently been claiming - the sad planks think that writing to last known address every few years resets the statute of limitations!).