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

[mwf1982]

if you use vj,s sar template post 309 it has a signature guard.

i will do thank you all once again

[mwf1982]

Hi guys i sent the request for an sar to barclaycard also sent a £10 postal order with it.

[coledog]

Hi again

 

While you are on, letter to send to HFO in response to the application form sent. Send recorded, do not sign, edit to suit:

 

Dear xxxxx

 

Your Ref: xxxxxx

 

I do not acknowledge any debt to your company or to any company you claim to represent.

 

A legal request for a true copy of the Consumer Credit Agreement pertaining to the account you mention was sent to your offices on xx/xx/xx. To date, the only correspondence you have supplied has been an application form; devoid of terms and conditions, APR, credit limit, rate of repayment and so on. Therefore until such times as you are able to supply such documention this account remains unsubstantiated, is unenforceable at law (CCA 1974 sec 127 (3)) and no payments will be forthcoming to anyone.

 

Please note that should you persist in pursuing me for an unsubstantiated debt, that your company will be reported to the relevant authorities without any further notice, including but not limited to Consumer Direct, OFT and the financial crimes branch of HM Treasury. Any court action that you may be contemplating will also be treated as unlawful and vexatious and vigourously defended on a number of grounds.

 

I trust that I have made my position abundantly clear and look forward to your written response in due course informing me whether you currently hold or have ever held a properly executed Consumer Credit Agreement (Consumer Credit Act 1974) and if not, confirmation that your files are now closed

 

Yours faithfully,

[mwf1982]

Today i have just received a letter from hfo saying i have defaulted on my payment arrangement and i must concact them has soon as possible to void any futher charges, and any further action made against me.

 

I am not aware of any payment arrangement being set up by myself, all i can think is cccs must of made a payment arrangement with them before i told cccs to take hfo off my creditors list.

 

So just confused what to do next ! ! !

[coledog]

Send the letter I have just posted above.

[mwf1982]

send the letter i have just posted above.

 

 

i will coledog thank you

[DonkeyB]

They are taking the pee. They are implying you have broken a contract, which I believe is tantamount to slander... shame there’s not a third party involved so you could take action.

[mwf1982]

they are taking the pee. They are implying you have broken a contract, which i believe is tantamount to slander... Shame there’s not a third party involved so you could take action.

i know i am getting fed up with hfo.its been going on too long .

[mwf1982]

Just sent the letter to hfo what coledog,requested i should send to them ive sent it 1st class recorded delivery.

[mwf1982]

Just paid £15 out these last two days on a sar and postage,its outrageous for a 7 year old debt.

[coledog]

I know but it will be worth it in the end to get rid of this! How did you pay £15? PO is £10 plus £1 and the last recorded I sent was only £1 something? You should have had some change.

 

To cheer you up, I sent HFO £1 for a CCA request and they have sent back so much rubbish, plus the letters they sent before, their postage bill is nearly a fiver, so far

[PriorityOne]

Send the letter I have just posted above.

 

Hey, that letter looks familiar!... Lol

[patrickq1]

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. to include all electronic data including e mails to and from HFO concerning my account

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

[patrickq1]

also remember in house lawers and lawers are no longer afforded any protection against lawsuits for any possible mis -demeanors, ie Unlawful Defaults in the case of Alice who is a Knowledgeable Lawer in Company Law (not) he is aware that HFO CAPITAL did not have the authority to authorise any Defaults and Experian are aware of this as it was pointed out to them starting five years ago ...... so Experian cannot be in denial i still have e mails confirming their insistance that they rely on Alice being a lawer and his word over yours ?

i think its getting close to the time where we need to prove beyond any shadow of doubt that the practices of HFO are questionable under UK LAW and we need to find out someway or another just how many charging orders they have obtained using HFO CAPITAL ?

patrickq1

[mwf1982]

i know but it will be worth it in the end to get rid of this! How did you pay £15? Po is £10 plus £1 and the last recorded i sent was only £1 something? You should have had some change.

 

To cheer you up, i sent hfo £1 for a cca request and they have sent back so much rubbish, plus the letters they sent before, their postage bill is nearly a fiver, so far

lol did hfo send you a crap photocopy of an appication form.

[coledog]

No - 26 pages of reproduced Terms and Conditions!

[mwf1982]

Just tracked the letters with royalmail. Hfo received there letter on the 5th november also barclaycard received the sar request on the 5th november.

 

Just wait for the replys now.

[mwf1982]

Tracked the letter to hfo and the sar request to barclaycard,and both of them was delivered on 5th november just wait for the replys to come back now.

[coledog]

Great MWF, you are in control of this, don't forget that, matter of waiting until we can get something back.

[mwf1982]

Hi guys just been on equifax to get a up to date credit report and an upto date default infomation was on my report,do you think i should report them to equifax,has i belive its false infomation there giving to the credit agencys

[DonkeyB]

In what way is it false?

[mwf1982]

In what way is it false?

well think of it it donkeyb there suppled me a appicationform with false details on and the date of birth was wrong on the appication form....

[mwf1982]

Also caggers just read an update of my credit report and the creditors who cccs are dealing with on my credit report it says payment arrangement.

 

Hfo still says a default on my report so due to my calculation if cccs did set up a payment arrangement with them wouldnt it say that on my credit report. All it says from hfo is defaulted in august 2005 .....

 

 

 

I hate hfo i wish someone will close them down....

[coledog]

MWF

 

If the default is 2005, this will drop off in July 2011 - bye, bye. For a number of reasons it is not enforcable as we are trying to show, The credit file does not reflect reality as defaults remain for 6 years only from default date and are then removed. A debt is not statute barred if you make a payment or acknowledgment within 6 years so a creditor can still purse even if it is no longer on your credit file. If you are making payments the file should reflect this which is good but don't make payments on an account that is clearly in dispute.

[coledog]

The only way HFO will be closed down is if people fight them and complain.