Jump to content


HFO and CRA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4541 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

Experian IMHO should not be acting as messengers for DCA's , it's is well outside their remit and with

permission I will add this to my project (crusade)

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Replies 236
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Experian IMHO should not be acting as messengers for DCA's , it's is well outside their remit and with

permission I will add this to my project (crusade)

 

Feel Free... As time I goes by I hope I will be sharing what I have learned form you guys with others on this forum!

Link to post
Share on other sites

Wow I got a letter within a week....

 

It says...

 

I am writing in regards to your letters dated 20th June 2011 (I only sent 1 to them plus my oft letter - yet to have a response to).

 

You have indicated that you have never had this Barclaycard. We need to clarify if you are claiming that this account was taken out fraudulently in your name.

 

Please contact our offices to discuss the account, there is some information we need to gather in order to look into your dispute.

 

Please contact our offices on 08456061573 so that we can discuss the account and to investigate your dispute.

 

We look forward to hearing from you.

 

Yours sincerely

 

Business Support Group HFO Services

 

To me this is their attempt to get me on the phone again and try and abuse me which I am not interested in doing... I am half tempted to sit on this letter for a week and then maybe respond what do you guys suggest?

Link to post
Share on other sites

Something along the lines of:

 

Thank you for letter dated 24th June

 

For me to meet to your request can you put the information you request into writing.

 

I would like to remind you I only want any correspondence with yourself to be communicated to me in writing. I will not call your offices due to your operators harassing and intimidating behaviour on the phone (I may put the second sentence in)

 

Yours sincerely

Link to post
Share on other sites

Send their reply to the OFT as a further part of your complaint, put the original complaint reference on their letter - they are not supposed to be asking for additional info from you, you need it from them!

 

Complete idiots!

Link to post
Share on other sites

Ok... I'm in 2 minds what to do... I'm half tempted to wait and see if they chase me after this letter.. Respond to them but take a week to do this in or as I have statements of this account try and hang out until 22nd July then who Evers this debt belongs to it will be SB as that was when the last payment was and then hit them with load of legal stuff about it....

 

And also forward this to the oft ( they haven't even acknowledged my complaint yet but that's understandable)

Link to post
Share on other sites

It seems strange that you would be considering the use of delay tactics here.

If as you say the debt is not yours why then would you consider stalling to reach statute barred status?

Imho i would not delay as i would want this corrected immediately.

As for them asking you to phone them to give further information, is the onus not on them to prove you do owe it rather than you supplying them with why you dont?

Link to post
Share on other sites

Ok letter to be done tomorrow and go...

 

I was looking for an easier way and have more evidence that their tactics they are using is illegal and that I could use against them i.e. chasing a SB debt that doesnt belong to me that would make great reading to the papers etc...

Link to post
Share on other sites

Hopefully this will be my final draft:

 

 

Something along the lines of:

 

Thank you for letter dated 24th June

 

For me to meet to your request I need the following from yourself in writing

 

• the additional information you require

• the reasons why you need this information

• my legal obligation to give you this information

 

Once I have this information I will refer this to my legal representatives and the oft to clarify this meets their guidelines in debt collection.

 

I would like to remind yourselves I will only communicate in writing as should I speak to your operators it becomes an intimidating/harassing experience.

Yours sincerely

Link to post
Share on other sites

That sounds ok to me, but I may be corrected by others.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Yeah it was a tough one to put together for me and I was talking to a member of my team who has abit of knowledge in this and is currently studying law part-time and some of the consumer law.

 

We reckon that sort of letter will make them realise I mean business and may put a stop to them but because we know what they are like they may not take any notice!

Link to post
Share on other sites

woohoo another letter sent... shall wait until their next reply

 

Its been 2 weeks since i have sent my complaint to oft not even had an acknowledgment yet when should i write to them again to confirm they have it and looking into it as it was sent recorded like my last HFO letter?

Link to post
Share on other sites

With OFT letter check on track & trace, a the OFT have a backlog of some weeks.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

As promised from another thread I have another letter to share and the contents below:

 

Thank You for your letter.

 

As you are disputing that this debt is not your, we require proof to investigate this matter further with Barclaycard.

 

Please can you provide us with a photocopy of either your driving licence or passport, so that we can confirm the date of birth, and signature with the original Barclaycard application.

We also need proof or your addresses from March 2003 to July 2011.

 

If you do not wish to provide us with the requested proof, we will be unable to assist you in your dispute, and this debt will remain on your credit report. This is not a legal obligation, but this will helps us help you, with your raised dispute.

 

If you have any further queries, please do not hesitate from getting in contact with us.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...