Another one for the HFO fan club!!!

[Delta-Charlie-76]

Hi folks

 

I had a Notice of Assignment from HFO Services re: M & S account (Credit Card I think).

 

Here it is word for word below:

 

Dear Delta-76

 

Your account, including all legal rights and obligations associated with it has been sold by Marks Spencers Fiin Serc PLC to HFO Capital. Your debt is now subject to HFO's standard terms and conditions.

 

This account has now been assigned to me. As HFO will devote all its commercial and legal resources to the collection of this debt, my responsibility is to assist you in coming to a final and positive resolution with this account. I request you to contact me as soon as possible so that we may work towards reaching an amicable solution on this outstanding issue of yours which is incurring interest charges because of non-payment.

 

It will never be cheaper or easier to settle this debt than it is today. We understand that no-one wants to be in debt and I will do everything I can to help you. If you have any queries regarding the assignment of you debt, please call me on 0203 **** ***

 

Yours faithfully

 

 

***************************************************************************

 

I have/had another account with this lot which I haven't heard a peep about from HFO for nearly 2 years now after CCA ing them & getting nowt back except more threatening letters until they got reported to the OFT/TS and Police.

 

This account was taken out in 2004/5, last payment was in August 2007, passed to Moorcroft, then when I was having trouble with HFO originally they said I had two accounts with them, this NoA is the first correspondence I've had with them for 2 & a half years regarding this account.

 

First question, how do NoA work, am I meant to get this from HFO or M & S?

Second is there any way they should be delivered in the post?

 

I what my next step will be & they ain't gonna like it! Any help would be appreciated, thanks!

[sharondogf]

snap just received the same thing but for a different account!!! and I havent heard from them for 3 years!!

[Delta-Charlie-76]

I know all about this so called DCA as I have experience of their tactics!

[PGH7447]

I believe an NoA from either or will do and standard post.

[FORMISTER]

Yes just as long as you receive one , it doesn't matter

[FORMISTER]

As you have delt with HFO before I don't need to give you the low down on them, but welcome to the HFO fan club. When does it say that the account was sold to HFOC?

[FORMISTER]

And just to note that your account is subject only (if enforcable) to M&S T&C's, not HFO's . They cannot enforce their own T&C's on the account. How much have HFO added to the total sum?

[Delta-Charlie-76]

Doesn't say when it was passed to HFO as for how much has been added to the account at the moment is anyones guess.

 

When I had dealings with this shower 2+ years ago, they kept going on about a second account, never had anything about this account until now, so I would guess they have sat on it for two years or more.

 

CCA req off in post on Monday!

 

As for T & Cs I didn't think their own even came into it!

[dadofholly]

What is the date on the NOA?

[FORMISTER]

Well you probably know the drill by now then, recorded delivery, keep the receipt. Keep all envelopes that their mail comes in etc etc. At a guess you will probably end up sending a SAR off to M&S , so you may want to think about doing it sooner rather than later.

[Delta-Charlie-76]

The only date on this is the date of the letter Jan 11th.

 

With my other account I sent the CCA off they just ignored it, the letters come thick & fast along with many calls thats why in the end I went to the Police & OFT!!! I can see that happening again.....however........being a cagger for the last 2 years things will be very different for them this time.

[FORMISTER]

Then without any other correspondance that is your official date and notice of assignment , so they shouldn't of put any charges or interest on before that date.

 

Too right about the letters, they can be quite daunting when you first get them. I think if they weren't so bad I probably wouldn't of hid from them for so long, so they screwed themselves over really.

 

As your an experienced Cagger there's not much advice to give, think it's a case of waiting until you get a reply from HFO

[Delta-Charlie-76]

Tell you one thing I HATE this company, I mean really hate them, I remember the stress they put us through, thanks to this site, I'm more aware of my rights, as for experienced....I'm still learning, I think we all are.

 

There are still areas of debt collection I am unsure of, I try not to advise on things that I haven't experienced or done. I am expecting trouble with HFO of sorts ie phone calls etc but I have a far better way of dealing with them now than I did 2 years ago....if they don't take 'b***** off, everything in writing', set the Mrs onto them, she just turns the air very blue...they don't like my Mrs (she has Aspergers)!

[coledog]

SAR to OC plus £10 postal order - they have 40 days to reply, send recorded. Chancers!

General SAR template.doc

[Delta-Charlie-76]

Hi Coledog, that is one of my lines of attack as I don't expect to get anything from HFO except threatening letters & phone calls and letters trying to fob me off etc aswell as some nice correspondence with that 'nice' Mr TR...lol!

[coledog]

If you have not received a reply to the CCA letter within 12 plus 2 days send the Account in Dispute letter (in CAG library) and do not speak to them on the phone - tell them to foxtrot uness you can record the calls. Do not let them intimidate you and keep a record as all complaints can be fowarded to OFT who will be pleased to receive these.

[coledog]

Who this was sold to and when is of particular importance here and you must try and get this information.

[Delta-Charlie-76]

I don't intimidate easily now, if they phone they get the 'In writing please now b***** off' if they are stupid enough to phone back to remonstrate then I'm like a broken record but the goodbye does get stronger then I set my Mrs on them!

 

One time I asked one woman what part of **** off doesn't she understand! Not nice I know but this is not a nice company to deal with!

[Delta-Charlie-76]

From memory, this was sent to Moorcroft in May 2007, then heard nowt until June 2008 when I was dealing with another account that HFO had also with M & S but this NoA is the first proper correspondence I've had with HFO regarding this particular account.

[broken arrow]

Subbing

[sillygirl1]

HFO seem to be busy again of late - wonder why?

 

Perhaps somebody should try and word a strong letter to the OFT with a pile of complaints from this site and ask for their licence to be revoked. What comes on here is only the tip of the iceberg.

[DonkeyB]

HFO bought a batch from M&S in July 07, but the purchase was made under an agreement M&S made with HFO Capital Cayman.

 

The infamous CP2 document means the account was STILL assigned onwards to HFO Services.

 

By stating HFO Capital, they now mean Ireland, which we know cannot be the case.

 

Note that they will try to claim interest from the original date of assignment. They cannot. As far as you are concerned, the account was assigned on 11 Jan 2011, no earlier, as this was your first correspondence (and it reads as such).

 

A call to M&S to ask to whom and when exactly the account was sold would not go amiss.

[DonkeyB]

You should also be questioning why it has taken them four years to contact you.

[FORMISTER]

Don't forget to send them the Harrassment by telephone letter from the CAG library, my calls from them stoped immediately after I read them the riot act from it.

 

Yes there does seem to be an influx of HFO'ers at the moment. I think they have worked their way through the last batch of Barclaycard debts and moved on

[coledog]

Yes - they have a habit of trying to revive all accounts, they did this to me in July 2010 although I am sure that they were harassing me in 2008 when I joined CAG. Must be running out of accounts to chase.

 

Beware though, as I am sure that they are now under the impression that they can use Application forms and others bits of paperwork to prove their case so it is important to be aware of what they have and mount a defence.