hfo services - help please

[DonkeyB]

Yeah, the one that was done when HFO Capital Ireland did not have a consumer credit licence and which transaction may therefore be illegal and void... oops a daisy! Bingo must be hoping his bosses don’t find out...

[DonkeyB]

...because that could stuff their whole portfolio! Ha ha!

[Jasper1965]

And there, jasper, is yet another problem! The PoC claims the account was bought by HFO Capital Ltd (which we MUST assume is the claimant) from the original creditor, but it wasn’t. Setting aside the CP2 document (instant assignment from HFO Cayman to HFOS), there’s the small problem of the assignment from HFO Cayman to HFO Ireland in January 2008. So the account was not bought by the claimant from the original lender. The PoC is therefore fatally flawed.

 

Which begs the question:

 

"how can HFO Cayman assign to HFO Ireland something that has already been automatically assigned to HFO services?"

 

This is beginning to look like an excellent wheeze for tax dodging and skirting legal jurisdictions, it couldn't be could it, not a respectable financial institution like HFO?

[DonkeyB]

You might very well think that. I couldn’t possibly comment.

[fscot61]

ok I've been in touch with Barclaycard and it makes interesting reading

 

according to them the account has not been sold. It was originally passed to Credit Security (don't recognise them) to deal with and then passed to HFO Services. They confirmed that HFO manage/handle the account but do not own it!

 

HFO took over the management of debt on 27/6/2007 last payment was on feb 2007.

 

if true then :-

 

1. surely they are not entitled to claim, and

 

 

2. I could still settle with barclaycard ?

[DonkeyB]

Something wrong here. HFO Services do not do this kind of thing. Someone has made a mistake at Barclaycard – I am 99.9% certain of that.

 

Call again and see if you can talk to someone else.

[coledog]

Try the Directors Office at BC - better find a working day to ring, if you can at the moment

 

 

MATTHEW THOMPSON or Paul Hart

SENIOR CUSTOMER RELATIONSHIP MANAGER

DIRECTORS OFFICE TEL: 0844 0903111

 

Does does sound right - HFO are a debt purchaser, get them to confirm anything they say in writing.

[fscot61]

ok barclaycard have now confirmed that debt sold to hfo in june 2007. also said they would write to confirm.

 

 

what should I be doing now? I have acknowledged that I intend to defend . Should I be sending the cpr request to hfp/turnbulls ?

 

also although I understand each bit of advice given individually, I'm none to clear as to how all this fits into a defence ? grateful if someone could give me a basic run through.

[broken arrow]

HFO Services, HFO Capital Cayman, HFO Capital Dublin?

[broken arrow]

Yes you need to do the CPR request.

[broken arrow]

They have not previousley responded to CPR request in these part claims, this has formed part of the defence.

[broken arrow]

Yes you need to do the CPR request.

 

ASAP, should have been done straight away.

[coledog]

What is the date of issue on the POC? have you acknowledged it and said you are going to defend?

[broken arrow]

http://www.consumeractiongroup.co.uk/forum/showthread.php?293602-Help-needed-with-Turnbull-Rutherford-court-action Edited May 6, 2011 by broken arrow

[broken arrow]

Think it was 15th April CD

[coledog]

If you have acknowledged it CPR letter needed

[broken arrow]

5 day for service 20th,14 to acknowledge 4th May, 14 to defend 18th May, but always check with the court.

[fscot61]

yes was 15 april

 

sorry don't know which branch of hfo -will spk to them again.

 

will send cpr asap.

 

thanks

[broken arrow]

Check with MCOl when your defence has to be in by.please read the link I gave you to a similar claim which is now stayed.

[harrassed senior]

Just jumping in here as I am in the same boat, albeit a few oars' length behind.

 

Have been reading all the threads on this and the first thing that comes to mind is that for every one person receiving this 'treatment' who find their way to CAG there must be hundreds, if not thousands who are in various states of panic. There will be those, of course, who don't care and just let HFO get away with it, even several hundred £1 per month adds up to a nice little earner, then, sadly there will be those to whom this will be 'the straw that breaks the camels' back, those who will seek 'official' help from such as CAB etc. so they will be over run and then the relatively small minority who find CAG and fight back.

 

So, in HFO's boots, they can afford the small 'loss' they make in issuing very dubious Court Summons' which are then vigorously defended, and they, have to receed into the background. Surely someone somewhere so bring this to the attention of the media? so that more potential victims are forewarned.

[fscot61]

just an update.

 

MCOL confirmed defence required by 18th May

 

debt sold to "hfo Services"

 

cpr letter sent -should have been delivered yesterday

[broken arrow]

5 day for service 20th,14 to acknowledge 4th May, 14 to defend 18th May, but always check with the court.

 

Spot on then.

[broken arrow]

Have you read the link in post #39

[fscot61]

yes spot on and yes I have read thanks - will need to read a few times more for it to sink in.

[fscot61]

ok just checking I have this right.

 

HFO should have received cpr on 9th May. on 16th I send reminder.

 

date for defence is 18th may - which means I should send it no later than 16th.

 

I'm assuming the defence listed on the thread linked in post 39 is the one I should use ?