HFO Services Again. Please Help !!

[coledog]

Do not challenge the interest as this would be acknowledging this - let them prove that you owe this to them in the first place.

[DonkeyB]

"Currently registeres in the name of...”

 

Well, nobody!

 

They can’t even be bothered to fill in the threatogram template properly.

[harrassed senior]

With regard to your problem with when to send the prove it letter, it really won't make any difference as they completely ignore it anyway! I know from both personal situation and the various related threads on here. Just waiting for 12 +2 to be up after sending the CCA Request now, then I will fire off the Account in Dispute letter.

[Robguy]

"Currently registeres in the name of...”

 

Well, nobody!

 

They can’t even be bothered to fill in the threatogram template properly.

 

 

Thanks again guys .

By the way i tippexed my name out of the threatogram as you put it Donkey LOL

Just posted cca to them .

Cheers for advice .

[DonkeyB]

Gathered that, but it's still incomplete. Maybe they couldn't find £3 for the Land Registry fee.

[Robguy]

Hi .Sorry it been awhile since last post.

Just to let you know how it is going with HFO . Since i posted CCA letter last week I've not heard anything back.

it's not been 12 + 2 days yet though. So here's hoping .

Oh and i have since had credit report back as well ( report says that i.ve got very good rating and no black points on it ),HFO have checked me out 3 times.

So maybe they are just chancing their arm?

Well lets see what happens next . will keep you all informed.

Thanks again for all your help.

[DonkeyB]

Good. They’re not used to people fighting back.

[DonkeyB]

Robguy, is it still quiet? Any response to your CCA request?

[Robguy]

Hi DonkeyB.

Thanks for your enquiry.

I received a letter from HFO about a month ago , well after the 12 + 2 days for the CCA letter i sent in may.

In it i got a photo copy of my card application with terms and conditions along with a letter from Barclay's dated July ,

which is weird because i went to Barclay's in may to see what the hell HFO was talking about and lo and behold no record of me on their system.

Therefore it got me thinking the letter must have been falsified.

Since then i have decided to ignore the letter and any other letters i may receive from HFO.

I'm i wise doing so ?

 

 

Thanks again for everyones help .

[DonkeyB]

What was in the letter from Barclays? Can you edit your personal info out and load it up?

 

Would like to see what’s in it.

[dx100uk]

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[Robguy]

Here you go DonkeyB.

Let me know what you think. Notice on second page , No signature.

Plus the address they supposedly sent it to , i haven't lived there for 6 or 7 years

 

 

 

 

PDF letter will return after i've fixed it .

 

Cheers DonkeyB:-)

Edited September 7, 2011 by Robguy

[coledog]

Yes, odd.

 

Can I suggest that you have another go at Barclays? Barclaycard recoveries 0844 556 0066 as you can now use the info from this to ensure that they id you. Find out when the last payment was made and exactly who they sold it to and when, see what they actually say to you and try and get it in writing.

 

Also can you send a complaint to OFT? Either by post or email and attach all the correspondence? http://www.oft.gov.uk/contactus for the attention of Polly Ashford. HFO are currently under serious review, thanks.

[DonkeyB]

As suggested, get on the phone to Barclaycard and find out exactly when the last payment was on this account, when it was defaulted and who it was sold to.

 

I’m puzzled as to why Barclaycard mention CPR. You didn’t send a CPR request, did you? You personally did not write to Barclaycard but to HFO, yes? Which letter did you send? Anyway, according to Carey v HSBC, they most certainly have NOT fulfilled your CCA request – can you post the redacted app form and the associated T&Cs?

 

Come back with the info from Barclaycard and we’ll advise the next step. We’ll also get your OFT complaint ready – time to put the hobnail boot in.