HFO chasing 3 CITI Loans + **WON PPI**

[sillygirl1]

Not a date in January is it? We are finding out a lot of their dates don't tie up with companies being legal entities at the time of the alleged sale....

[coledog]

Did they give an exact date and details of the company sold to?

[broken arrow]

ok have heard back from citi with a bit more info, they have given me a date in 2007 that it was sold to HFO SERVICES

Was this in writing, there is now a conflict in who the account was sold to, as the NoA states it was sold to HFO Capital.

[coledog]

Cannot have been sold to Services can it?

[broken arrow]

Cannot have been sold to Services can it?

I have never known one and the claimant themselves are saying it was sold to Capital, you need to get back to citi with your concerns and you want a printout with the correct info on.

[batleyboy]

I have it in writing AND a copy of the letter..when at work tomorrow will scan and post. Def says Services was later in 2007 than jan .

 

PS apologies for delay..a delayed xmas and Manic first week back!

[batleyboy]

I have it in writing AND a copy of the letter..when at work tomorrow will scan and post. Def says Services was later in 2007 than jan .

 

PS apologies for delay..a delayed xmas and Manic first week back!

 

 

Sorry when I say letter I mean a copy of the Original letter Citi say was sent... As I say I ll dig it out tomorrow. Thanks all much appreciated as always!

[batleyboy]

Hi Cole, just tried to drop you a mail but says your inbox is full

[coledog]

Empty now

[batleyboy]

ok to update, copy has arrived

 

date 08/08 def tp HFO Services

 

will upload letter tomorrow for everyone

[dadofholly]

Subbing - will have a good read.

[batleyboy]

OK here it is ( hope it comes out first time)

 

noa.pdf

[DonkeyB]

That’s a made up HFO copy – can tell by the grammatical errors.

 

But they claim it was sold DIRECTLY to HFO Services? Previously they’ve claimed HFO Capital owned it!

 

Time for sight of the sale agreement or deed of assignment. This should be interesting – this is a very tangled web HFO are weaving.

Edited February 16, 2011 by DonkeyB

[DonkeyB]

I note they only say ASSIGNED – they do not say SOLD. What on earth are they up to?

[DonkeyB]

Clearly citi have asked HFO for this letter. Oh dear... it matches EXACTLY the HFO fonts, spacing, everything...

[DonkeyB]

I was about to say you couldn’t make this up... but they have, literally. You now need to ask Citi DIRECTLY whether they have acquired this information from HFO, or whether it is from their own records.

 

If it is not from their own records, then the ICO will want to hear about this. It will be a case of HFO providing the info, not Citi – and that is absolutely a no-no under an SAR.

[batleyboy]

That’s a made up HFO copy – can tell by the grammatical errors.

 

But they claim it was sold DIRECTLY to HFO Services? Previously they’ve claimed HFO Capital then too Services!

 

Time for sight of the sale agreement or deed of assignment. This should be interesting – this is a very tangled web HFO are weaving.

 

Cheers Donkey

 

 

How can I get sight of sale agreement or deed of assignment?

 

 

re Citi DIRECTLY, shall I send their data protection team a letter asking for exatly that?

 

what does everyone think? And what does this mean for me this letter? or is it too early to say?

Edited February 16, 2011 by batleyboy
additon

[DonkeyB]

Cheers Donkey

 

 

How can I get sight of sale agreement or deed of assignment?

 

 

re Citi DIRECTLY, shall I send their data protection team stating exatly that?

 

what does everyone think?

 

First up, they have already claimed that HFO Capital Ltd is the debt owner (see post 43, second image). Therefore the notice of assignment fails. Bye bye debt.

 

Do you have a copy of any NoA that HFO claims to have sent you? This could be fun...

[batleyboy]

First up, they have already claimed that HFO Capital Ltd is the debt owner (see post 43, second image). Therefore the notice of assignment fails. Bye bye debt.

 

Do you have a copy of any NoA that HFO claims to have sent you? This could be fun...

 

OK cool I thought as much to a degree but being green with this I didnt want to assume anything.

 

No I havent had any NoA from HFO, everything I have is on here ...... to be honest I d rather not contact them at all as heard nothing from them!

[coledog]

It is relevent that it has taken months and several letters from you to get this from Citi, they did not send anything remotely about this in the first batch of data. Did you threaten them with court action or the ICO for non compliance?

 

Congratulations because I cannot get anything out of Citi!

[batleyboy]

Hi Cole, no i got nothing like this in first batch ( see one of earlier posts) Only sent them to letters on thread so nothing TOO heavy. Odd that I got some and you didnt as I m fairly certain my letters come from you so doubt I did anything any better,,,

 

so so far letter in post 43 show capital, Noa shows services, is it really that simple?

[coledog]

Also you should update your complaint to OFT using your previous reference number but possibly request some more information from Citi. Did Citi send a covering letter with this and what did that say?

 

But BBoy, you are a star!

[DonkeyB]

Whizz back through your thread for the data team address. Ask them, as a continuation of your SAR request, whether that latter was sourced from HFO or whether it was a copy held by them since August 2008. If they answer honestly, there will be problems. If they lie, we will know (because there is only one answer!) and there will be problems.

 

The date HFO record for purchases is hardly ever the same date the account ‘left’ Citi. Did your SAR show up statements such as when and to whom the account was sold?

 

Make it clear you require the information recorded on Citi’s systems. The fact that they have clearly used info and probably a document supplied by HFO (probably by someone who doesn’t understand the assignment trail) will be the cause of a very serious complaint. It would mean that the NoA sent is NOT contemporaneous with the assignment, and that it has been possibly produced to assist HFO in getting monies out of you (I don’t need to spell out the consequences, but the OFT would want to hear). It was not sent to you in August 2008, clearly.

[coledog]

I have seen your full SAR response remember - it is simple but very important

[DonkeyB]

Seriously, folks – HFO are a whisker away from being booted out of business by the OFT. Getting to the root of this possible deception with false documents could really be useful. It won’t do Citi any good either.