Please help HFO Services schedule of Litigation letter EX50

[shaks]

Hi, I have received a letter from HFO Services with a Schedule of Litigation and attached is EX50 paperwork. The debt is from Barclaycard but i am sure this debt is over 6 years old or nearing it.

 

I have read a little on this company and things i can do to deal with this like send a CCA request to HFO and a SAR to Barclaycard but am i missing anything else i should or should not be doing? I heard i should not sign anything that i send. Also can anyone recommend a truly FREE credit report as all i can find is ones i have to pay for?

 

I have only recently moved back home after a long period away so have just got all this paperwork. I have never spoken nor written to barclaycard, HFO or any of the othe companies that seem to be dealing with this at one point or another, although i have been notified by my family that they have received phone calls regarding this.

 

Please help as i have only been given 7 days to respond. Thank you in advance for any advice given....

[rebel11]

Hi shaks

 

Welcome to CAG

 

One of the Credit Reference Agencies does a free Trial for 30 days, but don't forget to cancel it. Don't acknowledge the debt, don't speak to them over the phone. You need to establish if the debt is Statuted Barred. When you made the last payment.

[dadofholly]

You say you have received an EX50 - is that the correct form Number? as an EX50 is a list of court fees.

 

What else have you received from HFO - and do they say who owns the debt?

 

You say you only have 7 days to respond - who told you that - and respond to what? is it a letter from HFO telling you that

[DonkeyB]

Subbing. Welcome.

[dadofholly]

Donkey you dont think HFO could be sending out EX50's to people to try and make them believe they will have to pay more fees to the courts do you?

 

seems a strange form to send out if the OP is correct

[broken arrow]

Hi and welcome, your response then can be a CCA request, there seems to be a pattern appearing here of SB Barclaycard accounts.

[dadofholly]

BA - they must be at the bottom of the barrell - where is their new busines going to come from when they run out of these?

[247orbital]

As suggested to me sit tight let Carter start his CCJ proceedings then acknowledge the claim and ask for his supporting evidence. Chances are he won't have any and will scuttle away, you can then claim for expenses.

[dadofholly]

Shaks - you can now get one off copies of your credit report online for just £2.

[shaks]

Thank you so much. I have done a credit report with Equifax and now have the following details.

 

Says current balance is £897 although HFO are asking for £1497

 

Default / Delinquent Balance £879

 

Date Last Delinquent 09/05

 

Date updated 16/07/2008

 

Default date 28/09/2005

 

Payment history is highlighted August 2005

 

So should i send the CCO and SAR?

 

Thanks again for taking your time to repsond to me...

[DonkeyB]

Hi and welcome, your response then can be a CCA request, there seems to be a pattern appearing here of SB Barclaycard accounts.

 

My prediction? Simple. They know they are in deep do-do with the OFT. So when all the 2005-2008 assignments are exhausted, they bail out and start again as Validor Capital...

[dadofholly]

Do Validor have a UK CCL?

[dadofholly]

4 Guests - my we are poular this morning.

[DonkeyB]

Do Validor have a UK CCL?

 

Not at the moment. Easy to acquire though.

[dadofholly]

Not at the moment. Easy to acquire though.

 

Hmm - their website states they are a company that started in the UK in 1961. As their "management team" has some of the same individuals as certain companies in the UK i will add them to my complaint list of companies run by these people.

[DonkeyB]

They are referring to the history of Roxburghe and all its previous incarnations. There’s nobody there now from 1961, I imagine – unless you count the rentasolicitor, Graham White, who I think qualified in 1963. He must be in his late 70s., but I think he’ s just a hired hand.

[shaks]

You say you have received an EX50 - is that the correct form Number? as an EX50 is a list of court fees.

 

What else have you received from HFO - and do they say who owns the debt?

 

You say you only have 7 days to respond - who told you that - and respond to what? is it a letter from HFO telling you that

 

Hi again.

 

Yes it is definitely an EX50 form attached to a schedule of litigation from HFO dated 15th February 2011..

 

Only other documentation i have from HFO is a reminder notice of assignment dated 10th November 2010 and a letter dated 16th December 2006 with the title "Have a happier Christmas". Prior to that Mercer debt colectors seem to of been dealing with it.

 

And sorry 7 days was in the activity section and will be a letter before action from our external panel of solicitors they said. Further down actually says 72 hours to call 0203 450 0531 or to email them to make a repayment offer.

 

How do i actually find out who owns the debt? And what should i actually do as my next step.

 

Thanks again..

[dadofholly]

I looked at Validors page for their management team, and had to keep checking i was on the right site. Don't know why, but i kept getting this feeling i was on the website for the Banana Splits.

[DonkeyB]

Bingo!

[dadofholly]

On the notice of assignment who do they say the debt was assigned to and when?

[shaks]

On the notice of assignment who do they say the debt was assigned to and when?

 

Just says that it has been sold by Barclaycard to HFO Capital Limited and account is now managed by HFO Services Limited.

[DonkeyB]

It would really help if you could scan and edit these letters, and post them up. The overall wording is important, and it would be useful to see it.

[shaks]

OK thanks, will do ASAP.....

[broken arrow]

You could give Barclaycard a phonecall and ask when and to who it was sold, confirmation in writing, 0844 556 0066

[coledog]

Suggest SAR request to Barclaycard and CCA request to HFO, to keep them busy while you get the facts on this. Looks like it will be SB middle of this year? The assignment of the account is key. The litigation letter is dog or possibly donkey poo and is full of inacuracies, this letter and the HMCS attachment need reporting to OFT and the MOJ as threatening and misleading. Are they ring you at all?

 

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. 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 to send after 12 plus 2 working days

 

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

 

Complaints

 

Trading Standards via http://www.consumerdirect.gov.uk/contact

 

OFT http://www.oft.gov.uk/

 

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

 

 

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

Standard SAR.doc