BARCLAYCARD have given debt to HFO services please help??

[becca26]

Hi All

 

i have recieve a letter today from HFO services saying i am on a 72 hour notice of litigation and that if they do not hear from me within 72 hours the account will be passed to there solicitors for legal action. HFOs legal fees will be then added on to this debt.

 

this barclaycard debt is from about 5/6 years ago when i was living with my ex partner who i had to leave..Anyway i forgot about this card as i moved address and im100% sure it was only a balance of around £250/300 and they now are asking for £1252.60....

 

what shall i do please help me?????????

[becca26]

HI all

 

I have recieved a letter today from HFO who are saying that i am refusing to pay my debt?? i forgot i had a barclaycard as it was 5/6 years ago and from previous address when was with ex partner. i havent received any letters previously from this company or from barclaycard like since prob 2004/5.

 

It is stating in the letter that i am on a 72 hour notice of litigation?? and they say we should warn you that if we do not hear from you do not get in contact within this time you account will be passed onto our solicitors for legal action,and this will result in legal costs being added to your debt.

 

The card was only for £250 and these people are asking for £1252.60

 

Please advise me on what i should do

 

thankyou all

[coledog]

Hi

 

Welcome to the HFO Fan Club. This debt could be Statute Barred if you are certain that you have not made any payments or acknowledged it for more than 6 years (5 if you live in Scotland) however, if you are unsure, I think I would send a request for CCA letter, registered post with Postal Order for £1 and do not sign this letter. The link to the template is http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If you do receive anything like a proper agreement within 12 working days (plus 2 days) you can then put the account in dispute and they would have problems doing anything 'legal' until an agreement is produced. Post any replies back on here.

 

It does not sound like they are phoning you which is good.

[dx100uk]

pers i'd send nothing.

 

its for them to PROVE it not statute barred

 

not for you to prove IT IS>

 

typical phishing letter whwn a debt is getting close.

 

if the OC wanted their money they would of asked for it YEARS ago.

 

you owe no-one nowt, don't fall for their carrot.

 

IGNORE

 

dx

[becca26]

hey coledog

 

I will do the CCA letter just to be on the safeside. No they are not phoning me thank god:D. thankyou for your advice i will get the letter done and sent off tomorrow and post updates on here

[coledog]

Happy to agree with DX, ignore and let us know if you get any more problems. They can be a nasty bunch.

[coledog]

Whatever you feel happy with.

[becca26]

dx100uk thanks for your reply,they may well of been asking for it but ive not lived at that original address for around 5/6 years so they may have only just found my new address.....

 

should i still ignore or send the cca(which i probably will anyway)

[dx100uk]

pers i'd ignore...

 

have you got a copy of your cra file?

 

if nowt shows on there about CCJ's then i'd not pull their tail.

 

dx

[becca26]

No iv not but what if there is CCJs on there???then what shall i do

[dx100uk]

let us jump that bridge when we know that.

 

dx

[becca26]

Ok thankyou for your help

[coledog]

It does not sound like they are trying to enforce a CCJ as they are just threatening 'legal action' now but it is worth getting 'free trials' of your Experian and Equifax credit reports to see if there are any entries put there by HFO or Barclaycard (or if they have recorded any recent searches). Alternatively, you can get a printed one by sending them £2, I think.

Someone on CAG has advised that you should not enter your true phone numbers (make one up) when you register as they can be passed on to creditors. Remember to cancel before the CRAs charge you (you need a debit card to register for free trial). Alternatively, you could wait and see if HFO send you a copy of your credit report plus a photo of your house, which they did to me!

If this alleged debt is on your credit report, it could show how far it is away from being stat barred.

[dx100uk]

good idea!

let hfo do it for free!

 

dx

[becca26]

Thanks cole dog i have just requested my report from experian so i will wait and see what it says on it.I would never get another credit card/catalogue/store card or any other means of credit from any1 strictly cash i say, these companys must make billions and make thousands of peoples lives miserable.

 

i was young and daft i suppose:(

[coledog]

Yes, it is not worth the bother!

 

I would get your equifax report as well as defaults can be on one report and not the other.

[creditcardmug]

Couple of points, if you do decide to write to them, do not sign just type your name, head your letter with " I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT"

 

You say you have requested your credit report from one of the CRAs, well expect any number of creditors to come out of the woodwork now, as the Dcas are the paymasters of CRAs, hence i always advise anyone against broadcasting themselves to these vultures

[broken arrow]

Ignore them for the moment, but worth sending SAR to Barclaycard.

[broken arrow]

I have posted on the other thread aswell, they could do with merging, could get messy, ignore HFO for the moment, but send SAR to Barclaycard, should include copy of CCA.

[dx100uk]

i'll get the threads merged

 

dx

[MARTIN3030]

2 threads merged.

[becca26]

Oh no so should I not of requested my credit report??

 

I'm getting abit confused now abt wot I should & should not be doing

 

and if I ignore them won't the debt just keep getting higher and higher

[coledog]

Becca

There seems to be a good plan here.

 

Ignore HFO for now - keep the CCA request in mind as may need it later if you get more hassel.

 

Check credit reports. I got mine it July and have found it useful as I know which worms are now in the woodwork, so far not caused any problems

but don't give them any data like phone number.

 

Send Subject Access Request to Barclaycard. This should tell you if there was a valid CCA agreement (doubtful), when any payments were last made,

who BC sold the debt to and when etc. BC will have sold the debt as HFO will not be acting on their behalf.

 

THE SAR costs £10 by postal order and they have up to 40 days to reply so could take a while.

 

Don't worry - the more information you can get, the better. Report back with anything received.

 

The link to the SAR letter is:

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

I don't have an address for Barclaycard but I am sure that other Caggers do.

[becca26]

Thanks cole dog was getting in a panic then

 

I'll ignore HFO then and go with the SAR plan,I'll try n google BC address or wait for other caggers to give me

 

keep you updated

 

this CC is from at least 5 or more years ago now I'm sure

[becca26]

And I gave false phone number and my current mobile is company phone anyway