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Send off the CCA request and see what is returned, wait about 3 weeks and then send the Account in Dispute letter. Let us know if you get anything back.

 

To take court action they need to produce an enforcable agreement. The documents from the SAR are also very important particularly any default notices, statements and who exactly this debt was sold to and when.

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Rather looking forward to all the replies.

 

Don’t expect anything much from the OFT, as they can’t look at individual complaints; but your file will get stacked up with all the other complaints against HFO/TR (and they are legion).

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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as soon as i get any replies from anywhere will post them here i spoke to a guy at experian who told me to send copies of what HFO sent me to him and he will be speaking to his managers about it

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Well, that’s only five years; if you are in Scotland, five is enough.

 

That’s why the SAR is so important – the statements will show exactly when the last payment was made. Normally, default by Barclaycard would be two or three months afterwards, but it’s the date of the last payment or acknowledgment that counts, not the actual default date.

 

HFO are probably getting active on accounts like yours because they have let them lie for three years, and are getting jumpy about them becoming SB. Hence their aggression, IMO.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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as soon as i get any replies from anywhere will post them here i spoke to a guy at experian
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who told me to send copies of what HFO sent me to him and he will be speaking to his managers about it

Yes - but they could come back and say it is OK for HFO to do this - Equifax did with me at first, have a look at the other thread I sent you and the econsumerview Terms and Conditions - there is a template there to complain.

 

Enjoy the Bingo and don't worry!

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this debt maybe more than 6 years
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old i have just looked on my credit file
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and it was defaulted in 2005.

 

HFO could come back and claim payments were made to them, 2007 seems to be a favourite year but they would need to prove this.

 

The CCA request is good place to start until you get more info back about this.

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Fine - if you have a contact at Experian send everything to him.

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Blimey, that’s useful, a contact at Experian.

 

I think maybe there‘s someone generous in the DCA/debt buying industry who kindly makes random donations to almost-SB accounts, out of the goodness of their hearts!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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  • 3 weeks later...

Any updates for us?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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You should also complaint to OFT (by email sending them scans of your documents) and ring Consumer Direct to report to trading standards (tell them HFO have addreses in Wimbledon, West Byfleet and Croydon).

 

The 72 hour rubbish is particularly offensive as it is threatening legal action without any proof and even contains a Court Services Leaflet !!!

 

You may also report the access to your credit report and use of it to the ICO.

 

That Court services leaflet may not have been copied in it's entirity. The one I recieved some time back wasn't, and I spoke to HMRC regarding this, they were very interested, and informed me it was breach of their copyright rules for any leaflet to be reproduced in a misleading manner. Hfo conveniently left out several paragraphs, and rephrased sentence in a threatening manner. Unfortunately, due to a serious decline in my health, I wasn't able to chase it up at the time. Sorry, no help to you, but worth knowing they can be reported to HMRC if the leaflet was not printed as it appears on the HMRC wbsite.

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hello jus seen your message donkeyb and has it happens i have just recieved another 72 hour notice letter this morning its the same letter as the last one with my credit report and hmrc leaflets only this time they say they are going to ask for an order to obtain information... updates so far are this letter nothin from barclaycard as yet and i had an email from consumer direct who have given outlines of the rules they have breached and told they have informed trding standards. the ico have said they cannot deal with individual cases but my complaint has been kept on file and nothin from experian yet.. sorry it been so long to reply

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Tut tut tut, they can't add HFO legal fees AND solicitors legal fees, they are totally on another planet there.

 

Send that letter with the complaints reference on to the relevant authorities.

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You need to forward a copy of that letter and the leaflet with a complaint to HMCS (see one of the post above) Also send a further complaint to OFT as it says 'when we have obtained judgement.....'

 

Did you send the CCA request and SAR letters??

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