HFO Claimform - old M&S Store card **DISCONTINUED**

[MAGDA]

Thanks coledog, will have a look:-)

 

Would be great if they didn't proceed with mine, you never know, fingers crossed.

 

Magda

[gloryhunter]

Thanks coledog, will have a look:-)

 

Would be great if they didn't proceed with mine, you never know, fingers crossed.

 

Magda

 

Hi Magda just to offer you some surport CD did a great job on my defence and like CD said they never responded to it good luck. will pop in now and again to see who you are doing.regards Gloryhunter

[MAGDA]

Hi Magda just to offer you some surport CD did a great job on my defence and like CD said they never responded to it good luck. will pop in now and again to see who you are doing.regards Gloryhunter

 

Hi gloryhunter, many thanks for your support and glad you had such a good outcome with HFO.

 

I really appreciate all the support I have received from everyone so far - makes a big difference.

 

Magda:-)

[MAGDA]

Just wondering if anyone has any experience of how long m&s usually take to respond to a SAR and how far back they can usually provide statements for?

 

thanks, Magda

[BRIGADIER2JCS]

They have 40 days to reply, they will

claim that they have only 6 years records

but they should retain the records for

6 years after the account is closed.

[MAGDA]

Hi, thanks Brigadier. Had a letter from m&s this morning in response to my SAR. They have sent a form for me to sign, which they say they need, as proof of my signature, before they can supply the SAR. So, that has delayed any response by another week or so.

[coledog]

This should not delay it - it is up to them to keep within the 40 day deadline no matter what additional info they request. Add to the form that you are expecting their prompt response.

[BRIGADIER2JCS]

It's ok giving a signature on A SAR but you are not obliged to as they

are already sending confidential mail to your address any way.

[AndyOrch]

Alternatively state you are prepared to collect from branch and will produce ID on collection.Ask them to confirm what day it will be ready for collection:-D

 

Andy

[MAGDA]

Hi All. M&S state in their letter that it will now be 40 days from when they get the signed application back.

 

 

I actually said in my SAR request that they have previously sent sensitive information to my address

and were quite happy to do that, but I think with M&S this is something they do, for no good reason.

 

 

It would be a great idea to pick up the stuff in branch,

but with M&S don't think i'd be able to do that unless it is all sent to their financial section where people take out store cards etc?

That would certainly speed things up a bit.

 

 

Will add a note as you say, coledog, saying that I will expect the 40 days to commence from my original request.

 

I always wonder how much in league these companies are (Original creditors) with the DCA's they sell to.

 

 

I had a big Cabot case recently and MBNA were really obstructive when it came to the SAR and with providing any general info at all.

 

 

I know that Cabot were constantly in contact with MBNA and on first name terms,

so makes you wonder how much information they actually want to give you.

 

many thanks, Magda

[BRIGADIER2JCS]

Covering their backs Magda, just in case the

get reported to the ICO:madgrin:

[MAGDA]

Yes, that's more than likely it. Be interesting to see what finally turns up.

[coledog]

Any update on this Magda?

[MAGDA]

Hi Coledog, Defence has been done as I adapted a previous defence I had used,

but with the relevant changes for this case. A

 

 

lso, did a part 18 request a couple of weeks ago, so should hear back on that in the next couple of days or so.

 

 

Also waiting to get the response to SAR, which should be in the next couple of days also.

 

 

Will let you all know when I get any responses and also will definitely be needing a lot of help along the way!

 

 

Will also get around to posting the relevant docs up which I know will make it easier for people to help if all the facts are there.

 

Many thanks for looking in, will update as soon as I have any news.

 

regards, Magda

[coledog]

So Far so good

Edited September 2, 2011 by coledog

[MAGDA]

Will let you know if there are any updates.

 

Magda

Edited September 2, 2011 by MAGDA

[coledog]

HFO companies and TR all under serious review! Nail em time!

[MAGDA]

:lol: Here's hoping.

[MAGDA]

Hi, does anyone know how compliant M&S default notices were back in 2004(ish). I have seen some of their default notices from around 2009 or so and they give 14 days from the date of the notice (which clearly breaches legislation) but not sure what sort of wording they used before. I think the wording has now been changed again, I suppose because M&S realised their mistake.

 

Any exmaples of M&S DN's from around this period or info on this would be greatly appreciated!

 

Magda

Edited December 4, 2011 by MAGDA
typo in title

[MAGDA]

Hi, without going into too much detail,

 

 

does anyone know the official company registration details of HFO Capital Cayman Islands and do they still exist as a company?

 

 

I found an official registry site for the cayman islands which allows searches for all companies registered in the Cayman Islands,

 

 

but there is a charge of $36.

 

 

I have the details for HFO Capital Dublin and HFO services etc,

 

 

but would be interesting to see Cayman's details as well.

 

Many thanks, Magda

[coledog]

The licenses here - do a search on 'HFO *' in the name field to get all three (the * is important)

 

http://www2.crw.gov.uk/pr/default.aspx

[MAGDA]

Thanks for that coledog, that's a huge help. If HFO cayman's licence lapsed in 2010, does it automatically follow that they were trading as a company right up to that point, or could the company have ceased trading, but the licence had been due to run for a while longer anyway, and just ran its natural course. I've been wondering when exactly Cayman ceased to function as a company in the true sense, i.e., they obviously had to be incorporated as a company in the Cayman Islands, and wonder when this ceased to be the case. I know they sold accounts to HFO Dublin in 2008, but the 'sale agreement' only allows for the sale of their existing portfolio of debts and any pending accounts - it doesn't say future accounts, which is the wording used on the sale agreement between Cayman and HFO Services. That agreement states that they assign their existing debt portfolio and any future debts - the use of the word pending on the 2008 agreement seems odd and quite limiting.

Many thanks, Magda

[MAGDA]

Does anyone from the HFO Fan club have any ideas on the above - would appreciate any help anyone can provide.

 

many thanks,

 

Magda

[MAGDA]

Just to update, my solicitors, Watsons, have successfully defended this which is fantastic news - they are a brilliant firm and my solicitor, Gwyn Jones, has put in a huge amount of work throughout and has remained one step ahead of HFO all along. If anyone has problems with HFO, it is definitely worth seeking legal advice as these cases can be very difficult to defend on your own. I'm not completely clueless about Consumer law, but I really don't believe I would be in such a good position now if I had continued to handle this case myself.

 

Good luck to anyone else in a similar situation, just goes to show HFO can be beaten!

[coledog]

Well done to all concerned!