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Smillar87 gets an HFO phishing letter about a phamtom Citi debt

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I just thought after reading this thread that i would let you guys know, my partner received a letter from these supposed HFO company on behalf of Citibank/citicard demanding over £1,000 and requesting he call the 0207 number. when he called it went straight to a foreign mailbox. we then googled the number and came up with these threads and people having similar experiences. the other thing we found strange was that the letter was signed yet with no name underneath. we rang Citibank to ask them about this as the letter provided an alleged account number, upon ringing citibank they confirmed that they held no outstanding debt for my partner and that if they did have any debt for him they would have written to him themselves first, they also said that if he did owe them this sum of money he would still be on their system regardless of whether they had asked a third party to collect this debt on their behalf. its worth ringing Citibank if you are in a similar situation and have no recollection of this debt! they were very helpful and certainly put our minds at rest as we knew we did not owe this money. the number for citibank regarding this is 0207 871 0464. hope this helps everyone a little.

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... except that Citibank are useless and might be helping you walk straight into trouble!


HFO will have created the letter from Citi, and Citi are useless with their record keeping. It doesn’t mean the debt is not there – HFO probably bought it three or more years ago and have just gotten round to chasing it. Are you saying your partner has never had an account with Citi and that this is a case of mistaken identity or identity theft?


Tread carefully, and DO NOT talk to HFO.

“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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HFO never cease to amaze me, why should anyone buy a load of debt and sit on it for three or four years before chasing. They stand far more chance of getting money if they chased as soon as they got the debt.


Something doesn't sit (or smell) right with these debts.

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Send HFO the 'Prove it' letter, the link is below. Recorded delivery so that you have a record of sending it and keep all copies of correspondence to and from them plus the envelopes.


Never ever speak to them on the phone and keep us posted if you get anything else.


HFO do not give up easily so you may still get harassment from them.



At your Service


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