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    • I hope Lord Frost is OK. Islamists and the woke Left are uniting to topple the West ARCHIVE.PH archived 18 Apr 2024 19:12:37 UTC  
    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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Outstanding Debt - HFO Services Ltd - Barclaycard


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This is the e-consumerview link, have a look at it. Up to you what you wish to do. You certainly can complain to OFT and ICO, HFO have no right to do this with anyone's data

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?280552-HFO-Services-now-using-e-consumerview-reports-to-encourage-payment&highlight

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  • 3 weeks later...

Right, I have had a response from Barclaycard, but only bank statements from the last 6 years (which do end in about June 2007). What is my Statute Barred Date? 6 months after the last time I paid any money to Barclaycard?

I perceive being threatened and someone holding a knife to my throat, or telling me that they will kick my head in. Someone sending a letter isn’t threatening IMO, is there something specific in the text I should look out for? I will re-read tonight.

I have still not had a response to HFO, yet they had the shortest response time of my letter (should have responded by 24th March). What should I do now?

I want to hurt these vile cretins as much as I can. Should I contact Experian, the DFT and ICO? Is it enough for Experian to cut any contact with HFO?

Thank you all for your help, it is very much appreciated, but some of the links you include aren’t working.

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A debt is SB 6 years after the last 'cause of action' i.e. missed payment or a written acknowledgment of owing the debt (5 years if you live in Scotland).

 

If you have not received an agreement in response to the CCA request you must send the 'account in dispute' letter to HFO, also recorded delivery. It must be more than 12 working days since they received it?

 

I do not think that BC have had 40 days yet so may send more stuff for the SAR - when the 40 days are up, you can ask for anything missing to be sent. Are the statements just payments or is there anything about who the account was sold to?

 

Your complaint to OFT is very important - try and log all the calls and paricularly those to third parties, and send this. Also send copies of the letters./attachments. You have not posted up the letters but if they threaten legal action, bailiffs or any other enforcement - they are misleading and designed to force you into payment. Also accessing you personal data - the credit report and mentioning personal info in the letters. Say that you are challenging HFO on their right to collect this and are questioning the high level of interest charged, even though you have only just received notification of assignment. Also why have they waited so long before contacting you?

 

You can also mention the default date on your credit file.

 

This is the link to the account in dispute letter. I would also include another copy of the telephone harassment letter although once the account is in dispute they should not contact you. let me know if any links do not work.

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Harrassment letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

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  • 2 weeks later...

Enjoycoca - YES send the account in dispute letter, recorded delivery, do not sign

 

Loolabelle, I have asked the site team to start a new thread for you as it will get a bit confusing if you post on this one - don't worry help is at hand. Don't speak to them on the phone and do not set up a payment until you have found out all you can about this. NEVER pay by Direct Debit or Card

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Loolabelle, I have asked the site team to start a new thread for you as it will get a bit confusing if you post on this one - don't worry help is at hand. Don't speak to them on the phone and do not set up a payment until you have found out all you can about this. NEVER pay by Direct Debit or Card

 

New thread started........http://www.consumeractiongroup.co.uk/forum/showthread.php?301791-Help-needed-with-HFO-Services-Ltd

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Help keep it up and active, helping people like you.

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  • 1 month later...

UPDATE - I finally received the agreement from HFO regarding my signed agreement with Barclaycard, however, despite telling them to stop calling me they haven't so I've got the call complaint letter which is being sent today.I suppose now they have supplied all the paper work (damn pesky little swines!), however, I believe that HFO Services have had their licence revoked. What should I do now?

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No, HFO has not had its licence revoked yet – the OFT has stated it is minded to revoke, however. There is a process to go though still and they will continue to trade until the OFT says otherwise.

 

But what exactly have they sent you? Does it include T&Cs?

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We need to see what they have sent you

 

It is my student application form, but it is purely my personal details which are enclosed. The credit agreement (small print that isn't readable in one small section on the bottom section) is partially covered by a bar coded sticker. I will scan tomorrow when at work if you so required, but it is hardly legible. I am getting more and more letters from HFO, now threatening legal action. Is their light at the end of the tunnel? I want to get them off my credit record, including the past, and off my back.

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If it is an illegible application form then it does not constitute a valid credit agreement and you need a strongly worded letter sent to them saying as much. Also that they have failed to meet their obligations under s78 of CCA and you still consider that this account is in dispute and any legal action will be rigorously defended. Remind them that OFT guidance is that if a dispute is raised against a DCA, they must refrain from collection activity and their persistent phone calls and lettesr will continue to be logged and reported.

 

Still scan up what they have sent. How are they threatening you?

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  • 2 months later...
  • 1 month later...

Hello,

 

Sorry it's been a while, been through a break up and had to deal with all the financial and emotional **** that goes with that, so focus was else where. Now back to beat HFO Services Ltd!

 

Right attached is the signed document that HFO sent me, that shows the agreement between me and Barclaycard all those moons ago!!!20110609174225.pdf20110609174225.pdf

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Did you ever send the SAR to Barclaycard?

 

Think that there was a SAR sent in March? Did you ever get a reply? When did HFO send that application form and have you had any more contact with them?

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