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HFO and CRA


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Ok, thats what I thought now the fight is on to get this off my name!

 

I was trawling thru the paper work the covering letter "application form request" was dated 4th May... That was when the statement request was... and when you look at the covering sheet for each item the same person it was sent to or requested by... So to me it looks like they sat on it until this time!

 

I think it should be that account in dispute letter and at the same time get a letter to the OFT and ICO for the records entered on my credit file!

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As it is, it's pants. Unless your photo skills are truly rubbish (like your taste in football), then it's totally unenforceable.

 

Even though HFO are after me >>>>>>>. i do have £20 spare that would buy place :) GOOD LUCK MYF you are in good hands here :)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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thanks GH..

 

I have been following most of the threads with interest... Hope yours goes smoothly... I havent got to the bit they want to take to court but as soon as they do I will be fully defending... I kinda have a feeling I am a few stages away...

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thanks GH..

 

I have been following most of the threads with interest... Hope yours goes smoothly... I havent got to the bit they want to take to court but as soon as they do I will be fully defending... I kinda have a feeling I am a few stages away...

 

Well with all the help i have had from cag the hfo fan club have been fantastic :) i sleep a bit better now like i said you are in good hands here :)

p.s. up the chelsea ;)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Ok I have tweaked this abit

 

Thank you for your letter of 16th June 2011, the contents of which are noted.

 

I am disputing this account as I have never had this account with Barclaycard. As such, therefore, I consider this account to be in dispute and no further action should be taken by yourselves until this matter is resolved.As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

I would respectfully suggest that this account is returned to the original creditor for resolution of this dispute as HFO Services cannot lawfully pursue any enforcement activities. I have firm belief that this is not my debt.

 

After reading all correspondence from HFO Services and if HFO Services still chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the CPUTR 2008 and the Office of Fair Trading's guidance on debt collection. I need to remind you that this states that it is unfair to send demands for payment to an individual when it is uncertain they are the debtor in question I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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I am also writing to the OFT and here is my letter:

 

Complaint against HFO Services.

 

I am writing to yourself regarding the above company and their actions that I am unhappy with and urge you to investigate this.

 

In early April HFO Services contacted myself on a mobile number they claim I had supplied to them in 2003. This phone number in question did not go live until 2005 and in December 2009 it was signed over to my partner to go on her mobile phone contract account. This to me is a breach of The Data Protection Act by incorrectly gaining data for their personal gain.

 

During this conversation they first claimed I owed a large amount to them regarding a Barclaycard debt. During this call they wanted me to confirm to them my personal details which I refused to do, and during this they accused me of trying to avoid my debts and call the police. I then advised them that I was to terminate the call and they should contact the debtor in question via post as this was not myself.

 

On 16th April they sent me a letter which to me are basic threats on what they can do regarding the account (copy attached). I also responded to this letter on 18th April asking them to prove this debt is owed (again a copy attached).

 

During this time I set up an account with Equifax to view my credit file and I was disgusted to see that they have placed a record on my file but under a different name xxxx at a previous address. With a last delinquent date of 08/05 and default placed In July 2005. When my credit report was created with updates on 13th May this entry was changed by HFO Services and Equifax to Mr xxxx with a default date of August 2005. Both entries have last updated 08/2010. I have taken a screen shot of theses and included them for your attention.

 

I have also contacted equifax regarding these entries and they responded that the company concerned advised its correct and will stay on there and a message from them urging I contact them regarding the debt. I do not appreciate a credit reference agency acting as a messenger to pursue the debt.

 

On 21st May I received copy of what looks like statements from barclaycard via HFO Services regarding this account the 1st statement from July 2005 with 1 payment then 18 months worth of none payment (again copies attached). I responded to this letter on 23rd May (Copy attached), asking them to provide me further evidence within 7 days and if no response I Would consider this matter to be closed.

 

On 17th June HFO Services contacted me again with a very appalling copy of an application form (copies attached). But when you look at all the information that was supplied with this is suggests to me it was also requested at the same time as the first letter to them was received asking them to prove this debt was owed by myself.

 

Today I am writing to HFO Services placing this account into dispute as I firmly believe this not to be my debt (copy for your reference).

 

I now feel I have exhausted all possible avenues with this company and would greatly appreciate your input on this matter.

 

Yours Sincerely

 

 

 

Mr xxxxxxx

 

Attachments:

Letter dated 15th April from HFO Services

Letter dated 18th April to HFO Services

Equifax Screen Shots

Letter and statements received 21st May from HFO Services

Letter dated 23rd May to HFO Services

Letter dated 16th June from HFO Services and application form

Letter dated 20th June to HFO Services.

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Please tell me your not part of the plastic fans... You know the ones that were a fan and now a Man City fan coz they won the FA Cup!

 

Chelsea fan since 1967 (was there when we wers**t) :)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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I have been a palace fan a since I moved this way but over last 18 months became more involved season ticket etc...

 

I was life long Man Utd fan coz my nan was... the 1st game 1 saw on tv was the 1990 fa cup final... Its weird how life turns on ya!

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I'm tempted to remove this for the swearing... but instead I'll just cover up the word..

 

:-D

 

Oi Shadow thats not nice :( !!!!!!!!!!!!!

(man u or liverpool fan me thinks (sorry) MYF :)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Just an update... I asked equifax wherre I should go with the incorrect data on my file and they have advised should I wish to complain and go to the ICO...

 

Here is the detailed response:

 

Thank you for getting in touch.

 

Hfo Services Ltd (I) / XXXXXXXXXXXX7003

 

The company has investigated your query and have asked that you get in touch with them directly using these details. This information will remain unchanged on your Credit Report.

 

Contact details

0203 4500532

 

The note that we added, stating that your information was in dispute has now been removed.

 

I’m sorry we haven’t been able to resolve this recent query. If you’d like to continue with this complaint, you may like to forward the details to the Information Commissioners Office:

 

First Contact Team

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

You’ll find more information about your credit report at: http://www.equifax.co.uk/help. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards

 

Equifax Customer Services

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Er, no way, Experian. They cannot act as a messenger for HFO. If HFO have confirmed to Experian that the info is correct when it is not (why else would Experian delete your correction?) then, IMO, HFO's actions have become extremely vexatious.

 

I think a letter before action to HFO us now required, as well as the complaint to the ICO. Copy in the OFT.

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