Outstanding Debt - HFO Services Ltd - Barclaycard

[coledog]

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

[enjoycoca]

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.

[coledog]

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

[enjoycoca]

OK, so just to clarify, Barclaycard HAVE responded, HFO HAVEN'T responded, it's been a month today!

 

So I need to send the dispute now?

[coledog]

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

[maroondevo52]

 

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

[broken arrow]

any update?

[enjoycoca]

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?

[DonkeyB]

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?

[coledog]

We need to see what they have sent you

[enjoycoca]

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.

[coledog]

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?

[DonkeyB]

enjoycoca, what’s happening with this? Any updates for us?

[enjoycoca]

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

[enjoycoca]

Oh, this has been photocopied by HFO and I scanned it using an industrial scanner to retain as much quality as possible. Go figure.

[dadofholly]

Did you ever send the SAR to Barclaycard?

[DonkeyB]

Sorry to hear of your woes. Take it out in HFO. Any T&Cs?

[coledog]

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?

[enjoycoca]

Yes I sent the SAR. So I have all the statements from BarclayCard.

[DonkeyB]

Are they useful?

[dadofholly]

Yes I sent the SAR. So I have all the statements from BarclayCard.

 

What else did they send - what date was the last payment made - and do they say to who and when the agreement was sold?

[DonkeyB]

enjoycoca, you’ve gone quiet on us! Please update!