Help needed with HFO Services Ltd

[the_shadow]

Ask for them to put that in writing for you

[coledog]

It looks SB then. Just receiving letters from HFO does not affect this unless YOU have formally acknowledged the debt in writing. I would suggest that you ask Barclaycard for this in writing, possibly do not need the SAR if you can get this. Certainly send them the correspondence also

[BRIGADIER2JCS]

Barclays always see to co-operate on this, ''guilty conscience??

[Loolabelle]

Barclays always see to co-operate on this, ''guilty conscience??

 

Okay, emailed Barclaycard requesting what they had verbally told me this morning In writing, referred to the woman I spoke to and that she gave me the email address, also sent SAR request with ten quid postal order, to doubly make sure, scanner arriving tomorrow!! Dubious about using the scanner at work so will scan all the letters and post them on here before the weekend, this is an epic!!! So if Barclaycard come back to me with last payment June 2005 does that make it SB? thanks again everyone for your invaluable advice!

[broken arrow]

If last payment was June 2005 it is stat barred.

[BRIGADIER2JCS]

Belt and Braces check for written

confirmation of payment as verbal only

so far.

[Loolabelle]

Belt and Braces check for written

confirmation of payment as verbal only

so far.

 

I concur!!

[DonkeyB]

Loolabelle, have you sorted this yet and sent the SB letter?

[Loolabelle]

Hi everyone... AGAIN.....i didn't recieve anything from Barclaycard in writing to tell me the last payment was June 2005 there SB. I really need this removing from my credit file now as i'm applying for a mortgage (credit score is excellent though not sure if that has any weight) so going to call Barclay Card tomorrow to ask for the letter, also can i send that letter to Experian? as the 'Date of Default' is incorrect on my file will Experian take notice of the letter????

[coledog]

Who recorded the 'default date' on your file? This can be up to 6 months after the last payment was made.

 

You can complain to Experian but this can be a trying process, you can also complain to the ICO.

 

I am not sure that it will be possible to get anything from Barclaycard without a SAR request which may uncover a default notice

[BRIGADIER2JCS]

You can register a note of dispute on CRA files on line, by post

or e-mail.

As to the credit ''SCORE'' it is intended as an indication for you

of how an app may be viewed but plays a very small part in

a potential lenders decision as they all have unique inhouse

methods of deciding to lend or not.