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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
    • They don't have to care.  This is Britain - the biggest reaction will be some mild tutting.  The main goal now must be to keep the fear factor high whilst ensuring the pockets of the few continue to be lined.   
    • Cat 6 Marker then. Thats one of the worse you can get.  As @Andyorchsaid... You might need to go to the FOS etc to get this done. We had someone else who went all the way with Tesco and lost. Cat 6 Markers are very difficult to get removed.
    • This guide should help.   https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Help needed with HFO Services Ltd


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They can take as long as they want over a Prove It letter, some never reply, usually because they can't prove it. Your 12+2 has come from if you CCA them, that's when they have 12+2 working days to reply.

 

As long as you have Proof of Postage for the Prove It letter, then you have little to worry about. You asked them to prove they have the right to collect the debt which is perfectly reasonable before you start handing over money, especially if you haven't received a NOA, so leave it and wait to hear.

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Hi loolabelle, exactly the same thing happen to me barclay card debt- such an old debt. Hfo sent a reminder letter beginning of April.. Never received the first one! Debt was for £900 -then they added their unreasonable ridiculous interest of 12%. !!!!

I've sent a cca letter as recommended by coledog - didn't here anything in the 12+2 days so I've sent the account in dispute letter on the 19/4!! all letters sent recorded and signed for. I've checked online they have signed for both of my letters. No reply as yet! Waiting days.

I'll let you know the outcome- thank god for these guys here - their help and advice is fab :) all the best.

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Hi loolabelle, exactly the same thing happen to me barclay card debt- such an old debt. Hfo sent a reminder letter beginning of April.. Never received the first one! Debt was for £900 -then they added their unreasonable ridiculous interest of 12%. !!!!

I've sent a cca letter as recommended by coledog - didn't here anything in the 12+2 days so I've sent the account in dispute letter on the 19/4!! all letters sent recorded and signed for. I've checked online they have signed for both of my letters. No reply as yet! Waiting days.

I'll let you know the outcome- thank god for these guys here - their help and advice is fab :) all the best.

 

My best guess, will be a claim for arrears, easy to defend.

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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This is a 'split claim' which they are tending to issue at the moment. They do not claim the full amount but 'instalment arrears' of around £200 usually with very poor evidence and no documents. They do this in the hope of getting a default judgement that they can then use to put more pressure on 'ignorant' defendants I believe. If you defend against these claims they will back off in my experience, there are quite a few threads where they have tried this and all the claims have been 'stayed'.

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It also costs them a lot less to sue for peanuts rather than the whole amount - multiply that saving by a rate of 90% default judgments against sadly ignorant victims, and that's a lot of wonga in Alice's pocket.

“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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Broken arrow - explain??? Claim for arrears?? Easy to defend :)

 

As the guys have explained, they have made a number of claims recently, just for arrears, there are quite a few threads on this, you would have known this if you had researched all the other HFO threads, the one thing to come out of these claims, up to now is if you defend, HFO don,t respond and the claim becomes stayed.

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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Update:

 

Ok came back from a acouple of nights away to find an A4 letter on my doormat, in big red type its a '72 - HOUR NOTICE OF LITIGATION' do i send the CCA letter now? the letter doesn't mention my 'prove it' letter (funny old thing!!) and say's,'It is with regret that we note, it has become clear to us as you are refusing to pay your debt........' and so it goes on with a stapled attachment (EX326 document) FAQ letter from HMCS???? I want to pay this off!!!! but im blown if i'm paying the charges!!!! just out of curiosity can they enforce the additional charges??

 

Any advice today would be greatly appreciated.

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I got one of those - see my thread: HFO have sent me 72 Hrs notice of litigation

 

They are known for sending out all sorts of 'information', copies of court documents and even your own credit report, perhaps with a picture they've copied from Google Street View of your home. It's all intended to intimidate and confuse people into thinking the mighty HFO have mega resources in tracing really bad debtors. Anyone can get copies of those court documents from the Internet, what does it prove?

 

In 72 hours they will send the next threatening letter, followed by another, and another. They'll try to call you, get neighbours to come to your door with a message for you, anything they can think of to make you feel that the entire might of HFO is concentrated on you.

 

Looks like time to send the CCA request in as they've clearly ignored your 'prove it ' letter. Once that's gone, with a signed for delivery of course, give them the 12+2 days and then the account in dispute letter. From what i've seen, HFO will either try a sneaky court action for a low amount as already mentioned, or will simply stop bothering you.

 

HFO are in the news again - see http://www.consumeractiongroup.co.uk/forum/showthread.php?303806. That's the type of company they are, verbal bullies who will send loads of letters out (talk is cheap!) saying they are collecting a debt, but then cannot back up their claim that they have any right to do so. Personally, I would rather send a payment I can afford to the original creditor and them say they cannot accept it than give HFO the time of day.

 

Any advice today would be greatly appreciated.

Just wondering why it's so urgent - 72 hours in HFO time is as long as they like, don't feel that you have to abide by any timescale they lay down - it's all part of making you feel you have to respond.

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I would also include a response to that letter. Have a look at Formisters thread as he is composing such a letter for his dad. Definitely send the CCA request now. Put both letters in the same envelope

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282282-Barclaycard-hfo2&p=3391928#post3391928

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Brilliant, thank you all again for your assistance, i'm now going to get back to removing the dead mouse i found on my doormat this morning!!! perhaps i'll post that to them aswell!!!!

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... dead mouse ... perhaps i'll post that to them ...

You would put food in their mouths? :hungry:

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Pity it wasn't a rat.

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That's not fair on rats.

“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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I think 'Watchdog' should do an undercover series on HFO, i work in sales for a corporate company and i'm really interested to see what there training and day to day routine is, i remember when they did an episode on 1st Credit, it was incredibly interesting!!!

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Hi all, apologies for jumping in on this post but have exactly the same issues with HFO, started receiving letters demanding payment then several phone calls a week from them for a Barclaycard debt that I have no knowledge of, I had a Barclaycard account which I closed down in 2004. I have sent a letter to HFO asking them to prove the debt and advising them that this debt would be statute barred if it did exist at all. As expected they have ignored this letter and carried on calling and received the dreaded 72 hours Notice for payment of the debt. What should I do next? looking through the various threads and Forums I think I should send a CCA but some advise would be appreciated, also have the same problem with Robinson Way for another old debt they too have ignored the prove it letter should I CCA them as well, Robinson Way are a little more persistent with the phone calls but their letters are not quit as threatening as HFO.. Help please guys.. I have just got myself back to normallity and been able to get a mortgage and sensible credit cards so really dont want these DCA's to ruin my credit rating and have to start all over again.

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Hi

 

can you possible start a new thread on this? Not being rude, it is just that it is easier to deal with one thread per person as it can get confusing. Use the new thread button on the Debt Collection forum and just copy and paste your post into that or click the triangle and get the site team to do it for you.

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Scottie, you’ve been a member since August 2006 and this is your first post – is this your first problem like this?

“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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  • 2 weeks later...

Okay, CCA request sent last week, i'm currently at work and one of my colleagues has just told me an american sounding lady called, wouldn't leave a name or message and hung up, i fear this is HFO, what should i do? can i report this to anyone?? (once i know for sure it's them of course) but we don't take personal calls at work and i work in an open office so even to tell them to put everything in writing and not call me again would be quite embarassing, i remeber there was a letter with regards to harrassment that i could send does anyone have a copy of this, sorry i know i could find it myself but i'm at work and i could print off the letter and post it before the post office closes.

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  • 2 weeks later...

Just to give you all an update, i've heard not a dicky bird from HFO, i'm about going to send the Account in Dispute letter tomorrow, i posted the CCA request on the 3rd May, they recieved it on the 5th May, so by the time they recieve the Account in Dispute Letter they would of had 12 +2 days.

 

So my question is, is that it now?? I'd also like to say it again, thank you to everyone who has assisted me in this forum, your advice has been invaluable.

 

Loolabelle

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