HFO Services/Barclaycard

[Uppyboy]

Hi,

 

Received a letter from HFO with the following:

 

We confirm that the date of default is xx August 2008. Should we not receive any documentation before August 2012 your account will automatically be closed as statue barred.

 

Is it the date of last payment of default date for the account to be statue barred?

[DonkeyB]

Do they mean 2006? Once again they are peddling the lie that the recorded default date is the cause of action for statute barring. It is not. HFO are liars. They are deliberately misleading you.

 

Can you scan and post what they sent?

 

Get onto TS and the OFT - and time for a letter before action.

[coledog]

Yes - the old Default Date trick. They need to start reading the SB guidance, enough people have pointed it out to them!

 

Who exactly is the letter from? Names, address and Postmark please. Please scan if you can

[Uppyboy]

Hi,

 

It is from the usual SW19. It can be viewed here:

 

http://www.redrouteconsulting.com/HFO/HFO12062012.jpg

 

Thanks for the help.

[coledog]

Crikey - 'HFO Capital'! and still using the old TR Franking machine

[Uppyboy]

Hi,

 

This is the latest from Roxburghe also:

 

http://www.redrouteconsulting.com/HFO/Rox12062012.jpg

 

If it is SB from last payment date (which their copy statements sent show) can they say:

 

"Please contact our collections team to arrange payment"?

 

PS - Same franking stamp of SW19 used.

[coledog]

Hi,

 

This is the latest from Roxburghe also:

 

http://www.redrouteconsulting.com/HFO/Rox12062012.jpg

 

If it is SB from last payment date (which their copy statements sent show) can they say:

 

"Please contact our collections team to arrange payment"?

 

PS - Same franking stamp of SW19 used.

 

Yes they can cos they are idiots but they have actually sent evidence that this is SB and nothing to prove they have the right to collect on this!

[BRIGADIER2JCS]

A statute barred debt still exists and can be chased for payment,

until the debtor has informed the creditor in writting that the debt

is SB and they will not be paying.

[coledog]

Quite right Brig!

[DonkeyB]

Have you actually told them you believe it is SB? If so, they are breaking the rules. Simply read back through the thread for the reasons for the proper statute barred status, and the reasons why this default was recorded too late and should be removed. Remember, they bought the responsibilities...

 

Can you record phone calls? Fancy some fun...

[Uppyboy]

Hi,

 

Yes they have had the statue barred letter, both HFO and Roxburghe. Anything I send seems to make no difference to them but I send them so that if it does go to court I can produce their correspondence, my replies and proof they signed for the letters.

 

I am not sure what more I can do than this and am keen to get the default cleared. Reading the advice (which I am grateful for since starting this thread to you all) this is now down to Roxburghe to do this?

[coledog]

It is also unenforceable as they have not complied with your CCA request anyway so they should not be asking you to pay as the account is still 'in dispute' due to this.

 

You must keep complaining to OFT - send them everything including envelopes. This really illustrates the relationship between HFO and Rox

[DonkeyB]

Roxburghe is the agent for HFO Capital. It is now in control of the data.

 

Can you record calls?

[sillygirl1]

And we all know that Roxburghe are fighting to keep their licence - so any complaints about the relationships are worthwhile.

[Uppyboy]

Have you actually told them you believe it is SB? If so, they are breaking the rules. Simply read back through the thread for the reasons for the proper statute barred status, and the reasons why this default was recorded too late and should be removed. Remember, they bought the responsibilities...

 

Can you record phone calls? Fancy some fun...

 

Hi,

 

I thought the point was you never have phone calls with them? What would be the angle with this?

[coledog]

I think DB is suggesting a phone call where you ask some very salient questions - but only if you can record it!

[DonkeyB]

Spot on - getting them to lie about it not being SB and failing to remove the credit marker would make an excellent transcript for the OFT. It would prove their deliberate MO of misleading debtors, and would not be able to be seen as an admin error.

 

Then chase them for compensation...

[broken arrow]

Spot on - getting them to lie about it not being SB and failing to remove the credit marker would make an excellent transcript for the OFT. It would prove their deliberate MO of misleading debtors, and would not be able to be seen as an admin error.

 

Then chase them for compensation...

 

very underhoof DB!

[DonkeyB]

Why not? Their lies need to be exposed as a corporate mantra, a deliberate strategy – not as ‘admin errors’.

 

I look forward to spitting on their corporate grave (and I won’t stop with saliva...).

[BRIGADIER2JCS]

How was the SB letter worded did you state clearly that the debt is statute

barred and you will not be vpaying.??

[broken arrow]

Why not? Their lies need to be exposed as a corporate mantra, a deliberate strategy – not as ‘admin errors’.

 

I look forward to spitting on their corporate grave (and I won’t stop with saliva...).

 

I fully agree DB...

[dadofholly]

Note that the letter from HFOC and Rox give the same address - which kind of indicates you are dealing with the exact same people in the exact same office.

 

Why do they still bother with the pretence? Do they think the OFT etc. cannot see this.

[DonkeyB]

I doubt the HFO Capital person actually works for HFO Capital...

 

http://www.csa-uk.com/uk-members-list/details/190/hfo-services-limited

 

http://www.zoominfo.com/#!search/profile/person?personId=1679333509&targetid=profile

 

http://www.facebook.com/profile.php?id=723921233 (travelled to New Delhi!)

 

 

Oh look! HFO Services! A company owned by another company that’s in liquidation!

[BRIGADIER2JCS]

Bart last seen 08/06/12

[Uppyboy]

Hi,

 

The letter for HFO can be viewed here:

 

http://www.redrouteconsulting.com/HFO/HFOLimitationActLetter11.jpg

 

The letter to Roxburghe with a copy of the above is here:

 

http://www.redrouteconsulting.com/HFO/Rox1042012.jpg

 

Are these sufficent?