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HFO and Citifinancial Debt


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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

 

Hi Fox can you start your own thread on this.

 

 

cheers

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Roger? Crikey, don’t get familiar... Start your own thread and then...

 

That certainly seems like a breach if those details were from anything other than the electoral roll.

 

Did the letter actually say bailiffs would be sent? Hope the court doesn’t execute them first (or maybe I do...). Was it the standard 72 hour letter? When you have 20 posts, you can put it on here. Maybe get it scanned in readiness.

 

What you need to find out is

(a) do HFO have the right to collect this?

(b) have they added interest or charges they are not entitled to?

© were there unlfair charges on the original account?

 

To do this, you need to send a subject access request to Citi, and a CCA request to HFO.

 

Who claims to own the account?

 

EDIT:

 

Will ask a mod to make a new thread for you with the title ‘HFO threats on Citi debt”

“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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Hello and Welcome, foxoidbox.

 

I have started a new thread for you, please continue to post here, regarding this matter.

 

Regards.

 

Scott.

 
 

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

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Thanks Scott.

“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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The letter states that the debt is due for immediate repayment and if its not received within 3 days then the account will be escalated to the legal desk to take legal action against me. From what i can gather they havent yet got a judgement against me!

 

The original defaulted amount was for £1347 but HFO are demanding £1993.17

 

Im so worried about this

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We’ll guide you through it. Don’t worry.

“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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Im so worried about this

 

Thats only natural, but in finding CAG and the HFO fan club, that will all change, keep posting, research all the other HFO threads and we will do our best for a happy ending.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi and Welcome

 

Standard HELP pack below - don't worry

 

Complaints

 

OFT&TS via http://www.consumerdirect.gov.uk/contact

 

MOJ via http://www.justice.gov.uk/contactus.htm

 

Local MP via http://www.writetothem.com/

 

OFT Guidance link

 

This helps when drafting a letter to OFT

 

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

 

 

Receipt of e-consumerview report complaints

 

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

 

Harassment Letter

 

To stop those annoying phone calls

 

http://www.consumeractiongroup.co.uk...esponse-letter

 

SAR Request

 

Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply. They have 40 days to reply. Adapt the last paragraph to give any previous addresses that the OC may have and attach a copy of a utility bill or they will write back and ask for one.

 

CCA Request

 

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute and this should stop them contacting you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

Account in Dispute letter

 

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

SAR Anon.pdf

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This is a link to the Citi Forum which makes interesting reading

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?109-CitiCards-Citi-Financial-Associates

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Hi

 

HFO have sent me another letter (72 hour notice of litigation). I did send them a letter recorded delivery at the beginning of last week requesting that they send me copies of the original documentation regarding the debt. They havent acknowledged this and are now saying that the debt will increase etc etc.

 

I am worrying again and need some advice as to what I should do next

 

Please help.

 

Thank you :-)

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Hi

 

Exactly which letters did you send? Did you send the CCA request and have you checked with Royal Mail that this has been received? The 72 hour letter is just a very empty threat designed to intimidate you so don't be alarmed. Did they attach anything to it?

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Hi

 

Yes I sent the CCA letter and I have checked on royal mail - HFO received it on 01.12.10, which is the same date that this letter they have sent me is dated.

The letter says if i fail to respond within 72 hours they will pass my details to their solicitors for legal action. They have attached information regarding CCJ which contains a load of FAQ's etc.

 

What should I do next? Should I send another letter referring to the CCA letter I sent?

 

Thank you

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After the 17th December, you can send the 'account in dispute' letter if you do not receive a valid copy of a credit agreement from them. This normally shuts them up. The letter link is in the post I put in above, with all the links on it. I would allow a few more days due to the festive season, so probably send after the holidays.

 

Do not write back to them, before putting the account in dispute. I would definately make some complaints to the authorities - again the links are in the post above, as the more complaints the better, about these people. I presume the leaflet was a Court Service publication? If so - you must complain to the court service about this misuse of their information, send the a copy of the letter and leaflet and ask why government information is being used to intimidate you.

 

Did you send the SAR request to Citi? This is worth doing soon as you can.

 

HFO are out to frighten you - don't let them.

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I havent yet sent the SAR letter I will do this tomorrow. Should I just ignore the 72 hour litigation notice for now and wait until 17th to see if they send me the CCA stuff and if they dont i'll send the account dispute one?

 

Yes its a court service publication which they have attached it made me panic. I also changed my BT number to stop them from ringing me :-)

 

Thank you so much for this advice its helping to calm me down and stop me worrying so much, HFO certainly know how to intimidate people!

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Is it a Citi Card or loan and do you need the address to send the SAR to?

 

Don't write to HFO, unless it is a complaint about their behaviour (which they tend to ignore).

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I will find Citi address in a minute but regarding a complaint to Experian here are the details. Cerrtainly complain to ICO but you should send a complaint to Experian as ICO will ask if you have done this - I suggest you complain on the website and offer to post them the letter and report by post or electronically

 

Important if you have one of these reports

 

Link below to the e-consumerview complaints page for anyone who has received one of these reports. I would suggest that you register a complaint along the lines of (amend to suit):

 

'I have received a letter (dated...) from a company called HFO Services Ltd who claim that I owe them money for a debt. This letter states that they will (expand on threats......) unless I contact them within 72 hours. Attached to this letter is a credit report on myself which HFO have obtained from your service.

 

I am not aware that I have any financial relationship with HFO or any obligation to them and they have not offered any proof of this. I wish to complain, in the strongest possible terms, about the actions of this company and their use of my data in this way.

 

Can you confirm to me that this company are eligable to obtain my data from your service and are abiding fully with your terms and conditions
link3.gif
and the Data Protection Act'

I am happy to forward you a copy of the letter and report for your inspection - I will be progressing this matter with the Information Commissioners Office and OFT

 

Link to web site

 

http://www.uk.experian.com/e-consume..._complain.html

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Address for Citi is:

 

Data Request Team

Citibank

PO Box 49944

London

SE5 7YG

 

Send SAR to these bunch

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  • 2 months later...

Hi

 

I need some more advice please. I sent the 'Account in dispute' letter on 4th Jan and today I have received a letter today from HFO containing the application form for the loan. They havent sent me the requested statements etc! What should I do now? Please help.

 

Many Thanks

 

Louise

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Are you able to remove personal details from a copy of the form, scan and post it? Need to see what it looks like

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Any T&Cs with it?

“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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