HFO services / Barclycard

[dogtrainer]

Thanks B A

[dogtrainer]

Hi all just checked and both the SAR & CCA letters have been delivered and signed for I have printed out the receipts.

 

So the clock is now running HFO have got until the 2nd December for their 12+2 working days.

Will keep you update with any developments.

 

DT

[londonbornpaddy]

Hello - First time for me on this site but i had a letter exactly the same delivered to me two days ago. Never been in this situation before so had a bit of a panic and then read the threads on here and didnt feel so bad.

I defaulted on a Barclaycard bill 4 and a half years ago and thought in my ignorance that i had out run it. But no!

After reading alot on here i took a trip to the CAB and they put me in touch with National debt line who i spoke to last night. My situation is that i am on long term incapacity benefit and have hardly any money coming in at all. After my out goings i am left with about £ 30 a month.

After a very helpful chat with the debt line man he suggested that i might be eligible for something called a debt relief order - this basically means that so long as i dont have more than £50 a month left after paying all my out goings that in a year the debt will be wiped and HFO will get nothing at all. I am going to send HFO a hold action letter but i dont k now if you can do a recorded delivery to a PO box address?

If for some reason the debt relief order is unsuccessful then i will have to agree a repayment scheme with them.

Basically i was just writing here to say thank you to all the people who have contributed on this forum for calming me down because i was on the verge of ringing them up or ignoring it ! And i know that many people here may not be able to apply for the debt relief order but if you have a debt of less than 15 thousand and no assets and basically no available funds then this might be the way to go.

Fingers crossed and thanks again

[dogtrainer]

Hi Londonbornpaddy

 

I would advise you to start your own thread on here before you send anything to HFO.

they will give you the best advice on which way to go and what to do .

[sillygirl1]

If you have other debts then a DRO is a good thing for you, if this is your only debt then you can ignore the letter from HFO quite safely, if you ignore them they will continue to send threatening letters and eventually either give up if there is no reply or send court papers, in which case there are good defences you can give.

 

Do not do a DRO if this is the only debt you have. You also should have a new thread for your own problem.

[dogtrainer]

HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

[DonkeyB]

They have not complied with your request. Write back and ask for the specifics missed, viz. default notices, termination notices and details of to whom and when the account was sold.

 

Idiots. Seems to be becoming a standard response.

[Windywoo]

HI all just to up date you

 

This letter arrived to day with 2 years 4 months of statements nothing else

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0013.jpg

 

What should I do next with Barclaycard.

Nothing yet from HFO but they still have 6 working days.

 

Watch for the post! I had the same responce from Barclaycard and 18 months of statements, that was two weeks ago, this morning the rest of my SAR came by recorded delivery - makes for interesting reading, I can tell you! It's a possibilty yours may do the same!!

[coledog]

Send em this

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal data is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a Default Notice and Notice of Assignment

2) You have failed to inform me to whom the account was sold. Please note that this must include company name, company registration number, full address and telephone numbers. Also the exact date on which the account was sold.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

[dogtrainer]

Thanks Coledog.

 

I will send it of tomorrow when I am at the post office.

 

I have just came a cross this statement of account from Turnbull Rutherford from January this year.

http://i423.photobucket.com/albums/pp316/dogtrainer05/scan0014.jpg

 

Also checked the statements and the last payment was was a token one made on the 14th February 2005 .

 

I am write in thinking because I live in Scotland this debt is statute barred as its now over 5 years since I made a payment.

 

DT

Edited November 24, 2010 by dogtrainer
spelling mistake

[DonkeyB]

Yes, you are correct. It will be now SB.

 

That ‘statement’ is full of cr*p.

 

They state the legal owner as HFO Capital Ltd. This cannot be the case, and we can prove it.

 

They state the contractual interest rate as 12%. What contract?

 

They have added interest from the date they claim to have acquired it. They can only claim it from the date you were notified by NoA.

 

It says you have a contract with Turnbull Rutherford Solicitors. Exxcuse me? You’ve just claimed the legal owner is HFO Capital! How can there be a contract with TR?

 

They are not allowed to add administrative charges – OFT guidelines, unless it’s in the contract. Oh, what contract?

 

What a pile of dissembling rubbish. These idiots must be put under close scrutiny by the OFT for these misleading and frankly unethical business practices.

[DonkeyB]

Oh, and they will now claim that if you have been contacted in any way in the meantime, even if they just send you a letter, then it’s miraculously not SB! idiots.

[dogtrainer]

Thanks Donkey B

 

What do you think I should do next just ignore them and hope that they will crawl back under their stone again as the clock is ticking on CCA request

 

I will send of the letter Coledog wrote of tomorrow and wait and see what comes back .8)

[coledog]

When is the CCA request up as you should send the in dispute letter? Try and get the last payment date from the SAR before going down the Stat barred route.

[dogtrainer]

Hi Coledog

 

The CCA request is up a week tomorrow 2nd December

 

The last payment according to the statements was a token one received by B/C on the 14th February 2005 cant remember making it though:!:

[DonkeyB]

An SAR should weed out the truth of such a payment. Make sure you check your bank statements etc – don’t trust to luck!

[coledog]

Below is the link to the in dispute letter to send if no CCA response - await the result of SAR and let us know if you receive anything

 

http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request

 

,

[dogtrainer]

Letter sent to B/C will let you know if and when anything else comes.

[charlie*]

Oh, yingtong yingtong yingtong yington yingtong yiddle I poo....

 

D'you think this langauge came to Spike when he was stationed in

India with the Royal Artillery ?

 

Anyone know what it means?

[DonkeyB]

charlie, have you been drinking?

[dogtrainer]

Charlie as Donkey says have you been drinking or what?????????

[dadofholly]

Oh, yingtong yingtong yingtong yington yingtong yiddle I poo....

 

 

I am sure this is originaly a paragraph from HFO's standard 72 hour litigation letter - makes as much sense.

[charlie*]

well wot can a fella say?

 

I'm always drinking - tea, coffee, water, squash, sherry, wine, the odd pink gin

and I do like a nice long G & T... oh, and a glass of decent mild now and then -

or whenever I can find one

 

The line from the Goon Show song seemed so appropriate at that moment -

glad I could raise a grin or two... my wife tells me I have a dreadful sense of

humour so I have to try very hard.

 

It's being so cheerful that keeps me going

 

 

Cheers guys,

charlie

[DonkeyB]

But 10am? Far too early. I never touch the gin before midday.

[coledog]

More tonic required I suspect