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HFO - Morgan Stanley Debt

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Ok all, I no some expertise here. Understand a little but in need of guidance.

 

Like many others randomly got a call out of the blue about a credit card agreement opened back in 2002.

 

The details of the default are down to a messy divorce but recovering well and happy.

 

That aside, I informed them not to contact me at work and do everything in writing. They agreed but then they obtained my work mobile number and started calling on that.

 

I have not acknowledged the debt and had great fun going around the houses with the woman at the end of the phone.

 

Sent in the £1 postal order and unsigned letter and received a letter with a copy of the agreement on but thought I would have received more back

 

Also received a copy of me Experian file from them which they had made reference to other facilities I had. They said they are entitled to access this as I owe money.

 

They state they are charging me 10% interest as well.

 

Last payment was made over 4 years ago. They are harrassing and Im looking of to respond next, no information on the debt or how they aquired it.

 

PLEASE HELP ME

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Hi, did you ever get a default notice from the original creditor? If so can you post up the copy of the agreement received from HFO removing identifying details first using a free site such as photobucket and also the default notice if you have it for peeps to give an opinion on. Never Never speak to these people on the 'phone, they're a real tricky bunch. Send them the telephone harassment letter from the debt collectors library on here.

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Nothing ever received at all.

 

First id heard in 4 years was the call

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If all they are doing is phoning, them tell them to P**s off.

Wait until you receive something in the post, then you can give the appropriate response.

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by alwithair:

Who is the OC and who are these calls from?

 

The OC is Morgan Stanley, Alf. Circa 2002, so it seems?

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Ok all, I no some expertise here. Understand a little but in need of guidance.

 

Like many others randomly got a call out of the blue about a credit card agreement opened back in 2002.

 

The details of the default are down to a messy divorce but recovering well and happy.

 

That aside, I informed them not to contact me at work and do everything in writing. They agreed but then they obtained my work mobile number and started calling on that.

 

I have not acknowledged the debt and had great fun going around the houses with the woman at the end of the phone.

 

Sent in the £1 postal order and unsigned letter and received a letter with a copy of the agreement on but thought I would have received more back

 

Also received a copy of me Experian file from them which they had made reference to other facilities I had. They said they are entitled to access this as I owe money.

 

They state they are charging me 10% interest as well.

 

Last payment was made over 4 years ago. They are harrassing and Im looking of to respond next, no information on the debt or how they aquired it.

 

PLEASE HELP ME

 

Please, post up the copy that 'they' allege to be the agreement;

remove all personal details, of course.

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Sorry for the delay, will attempt to upload over the weekend,

 

the letter just states a photo copy of the original agreement and no Terms and Conditions.

 

Limited detail on the agreement as well.

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Subbing as its Morgan Stanley and HFO


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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Evening All You experts,

 

Now received a letter of Litigation from HFO saying that I have 72hrs to contact them (they have provided an email address).

 

Its the same lady I have been speaking too who chooses to ignore all I say. The request letter I sent only came back with application.

 

This letter has a copy of Experian report on and whats going to happen if they pass to there solicitors to take forward.

 

The debt has increased to over 9k from a 5k default balance as per experian.

 

Can someone advise of a course of action please

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Addition:

I notice on my original request letter that they didnt fulfil the request by sending me T&Cs etc etc. Does this help?

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When you say HFO I presume you mean mean HFO Services and not Capital.


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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i would think its HFO CAPITAL if its a Morgan Stanley Debt BA


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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if you have any letters from HFO can you post them on here removing your ID we can then look at it

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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i would think its HFO CAPITAL if its a Morgan Stanley Debt BA

 

I bet the letter is from Services though Patrick


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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to be truthful i have nt read the who;e thread,but i was of the impression MS sold their accounts to Capitl....


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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oi BA no gamblin allowed on the forum lol


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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The debt has increased to over 9k from a 5k default balance as per experian.

 

 

Unless your original agreement with MS allowed for interest being added after default (and its doubtful it did)then HFO aren't entitled to collect any addtional interest.

 

Does anyone know if HFO have a credit licence or just a debt collectors licence?.

 

Also to comply with your CCA request then they must send you a copy of the original terms and conditions at the time your agreement was taken out together with any subsequent variations. As far as I am aware the recent high court jusgements/rulings on s77/78 requests confirms this , although DCA's and creditors tend to conveniently forget this part.

 

Miss Muppet asked if you received a Default Notice under S87 and also to post up a copy of the so called agreement they have sent you minus any personal info. Would be helpful if you did this, plus the threatening letter, so people can advise further.

 

,

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to be truthful i have nt read the who;e thread,but i was of the impression MS sold their accounts to Capitl....

 

Correct, but which HFOC ?, strange how they took me to court under Services, lucky I spotted the glaring mistakes :D:D:D:D:D:D:D:D


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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Unless your original agreement with MS allowed for interest being added after default (and its doubtful it did)then HFO aren't entitled to collect any addtional interest.

 

Does anyone know if HFO have a credit licence or just a debt collectors licence?.

 

Also to comply with your CCA request then they must send you a copy of the original terms and conditions at the time your agreement was taken out together with any subsequent variations. As far as I am aware the recent high court jusgements/rulings on s77/78 requests confirms this , although DCA's and creditors tend to conveniently forget this part.

 

Miss Muppet asked if you received a Default Notice under S87 and also to post up a copy of the so called agreement they have sent you minus any personal info. Would be helpful if you did this, plus the threatening letter, so people can advise further.

 

,

 

The last I heard their licence was under revue.


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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yes it is still under review BA i sent a report back to the FOS and FSA concerning them,i am also awaiting a FOI from Northampton Bulk court services with regards to HOW MANY CASES have been handled by them

1/ HFO CAPITAL LTD

2/HFO SERVICES LTD

3/ROXBOROUGH LTD

So when this data becomes available i can finnish my report i dont think the banks will pass any data concerning these requests under FOI concerning this lot,

i am expecting around 5000 over the last six years and if so the majority may have been false prosecutions and a wilful act of contempt of court ...

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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When you say HFO I presume you mean mean HFO Services and not Capital.

 

correct

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Thanks all,

 

Im going to borrow a friends scanner and will post all.

 

No T&Cs sent just the application.....so will post and look forward to your responses

 

many thanks all

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Now received a letter of Litigation from HFO saying that I have 72hrs to contact them (they have provided an email address).

now then thats intresting can you post it on here the emaol addy

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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have you SAR barclays or goldfish or MS to find out just who the debt went to by that i mean did they sell it or assign it ?

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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have you SAR barclays or goldfish or MS to find out just who the debt went to by that i mean did they sell it or assign it ?

patrickq1

 

Not sent one direct to Morgan Stanley no.

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