Need urgent advice on a 7 year old debt with hfo services ltd

[coledog]

You did send them a SAR request I think?

[coledog]

Don,t forget to remove personal info, gives you 10 mins to phone Barclaycard...........

 

Depends on the number of phones available

[broken arrow]

Depends on the number of phones available

It is probally a recorded message now" YOUR ACCOUNT WAS SOLD TO HFO SERVICES"

[mwf1982]

wont be long now

[mwf1982]

 

 

barclaycard app

[mwf1982]

another photo in a few mins

[DonkeyB]

Too small; can you post via photobucket.com?

 

Make sure ALL your personal bits, and any reference numbers, are blocked out. If you need help, PM me.

[mwf1982]

src

Edited October 28, 2010 by mwf1982

[mwf1982]

Just noticed on the appication form my date of birth is wrong.

[DonkeyB]

So it looks like you did not fill in this particular form? Not your handwriting, not your signature, not your date of birth? Does the date of application match any info you have? Does anything relate to you?

 

They are going to have some serious problems with this... have you sent an SAR to Barclaycard yet to see what they hold?

 

This is alarming, to say the least.

[DonkeyB]

It’s no use as a CCA, anyway. It’s an application form, no more. Did they send any T&Cs with it?

 

Oh dear, HFO, oh dear...

[vjohn82]

So it looks like you did not fill in this particular form? Not your handwriting, not your signature, not your date of birth? Does the date of application match any info you have? Does anything relate to you?

 

They are going to have some serious problems with this... have you sent an SAR to Barclaycard yet to see what they hold?

 

This is alarming, to say the least.

 

Very interesting. Also check the terms and conditions that are mentioned in the signature box and compare them to the actual clauses in the t's and c's - you usually find the numbers never match.

 

But yes, I agree with DB, this is quite an odd one and requires some in depth investigation by the Wombles of Wimbledon!

[broken arrow]

Did your SAR include this application form ?

[mwf1982]

no i didnt send a SAR i think i will wait to see what the next letter says from them.

[dadofholly]

So it looks like you did not fill in this particular form? Not your handwriting, not your signature, not your date of birth? Does the date of application match any info you have? Does anything relate to you?

 

They are going to have some serious problems with this... This is alarming, to say the least.

 

I would call it a potential case of attempting to gain pecuniary advantage by deception.

 

Allthough who it is that may benefit from such action is open to debate dependant on the source of the document - and the motive behind the alleged inaccuracies within that document - should this prove to be the case.

Edited October 28, 2010 by dadofholly

[DonkeyB]

Yes, but we couldn’t possibly imagine who might get that advantage, could we DoH? Of course not. Nor would we ever try and suggest such a thing was attributable to any particular bit of the chain. Just wanted to make that clear. 8)

 

Before any judgments are made, I think rather more investigation is called for to try and establish what is going on here.

[DonkeyB]

And I think an SAR to Barclaycard is absolutely essential now. In fact, I’d say it’s urgent. But within the SAR you need to specifically ask for certain items:

 

1. Full statements

2. When was the DN issued?

3. Copy of DN

4. When was account terminated?

5. Copy of termination notice

6. When was the account sold, exactly?

7. To whom, exactly, was the account sold?

8. Copy of Notice of Assignment

9. Copy of consumer credit agreement as signed by me

10. Call logs and correspondence re this account with regard to HFO/TR since the account was sold

 

... and anything else you may hold.

 

This will cost a tenner – please send it tomorrow. Get the rest of the SAR letter from the templates library.

[Guest Cartaphilus]

Up to you, but I would also wipe out the easily seen application reference number in the top right hand corner ... and the other one, printed in the bottom left corner.

Edited October 28, 2010 by Cartaphilus

[mwf1982]

thanks ive took away the photo now for security reasons

[Guest Cartaphilus]

Good.

[broken arrow]

And the SAR did you receive anything back?

[mwf1982]

could someone put a template letter on for me for SAR please i think i need one if i get another letter from HFO

[broken arrow]

could someone put a template letter on for me for SAR please i think i need one if i get another letter from HFO

 

I thought you had done this as advised in August, you will find the template on post 100.

[Guest Cartaphilus]

You need to do the one in post #283 as well (hey, I can also see someone's address there, too). Apparently, the tiles are actually microfiches, the background's HFO or whomever must have taken them against are the same.

Edited October 28, 2010 by Cartaphilus

[mwf1982]

very interesting. Also check the terms and conditions that are mentioned in the signature box and compare them to the actual clauses in the t's and c's - you usually find the numbers never match.

 

But yes, i agree with db, this is quite an odd one and requires some in depth investigation by the wombles of wimbledon!

i cant read the terms and conditions its a poor copy