Jump to content


  • Tweets

  • Posts

    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

HFO and CRA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4565 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 236
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

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!

Link to post
Share on other sites

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 ) :)

0 - 1

Link to post
Share on other sites

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...

Link to post
Share on other sites

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 ) :)

0 - 1

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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 ) :)

0 - 1

Link to post
Share on other sites

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!

Link to post
Share on other sites

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 ) :)

0 - 1

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...