Jump to content


Old M&S Store card - HFO claim


MAGDA
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3770 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

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.

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

  • Replies 93
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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.

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

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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

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

Link to post
Share on other sites

Covering their backs Magda, just in case the

get reported to the ICO:madgrin:

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

  • 4 weeks later...

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

Link to post
Share on other sites

  • 4 months later...

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • 3 months later...

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!

Link to post
Share on other sites

Cowards! Well done.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites

Many thanks all, and thanks for your help as well. It didn't go to court, they have just discontinued, literally days aways from trial. Watsons had arranged a great barrister for me also, someone known for his expertise in consumer law, so that helped as well. I am just so over the moon that HFO haven't succeeded - they've obviously spent a lot of money so far as it has practically reached trial, so that brings a smile! I have to say Watsons really are a genuine lot, they are about the only firm I know of who handle so many of these cases and obviously stand to gain nothing at the end, if they lose. I also think this forum is fantastic, this is where I started a number of years ago when I knew absolutely nothing about consumer law or consumer rights, so keep up the good work!

 

Many thanks to the HFO fan club!

 

Magda

Link to post
Share on other sites

I’m surprised in some ways that they back down so easily on M&S accounts, as they had a CC licence when they bought them, and the agreements are usually there somewhere. Think they may have lost the will to fight any cases. Which is rather good, cos they deserve to be kicked from here to eternity for the untold and unwarranted misery they have caused to so many vulnerable people through their lies, deception and bullying.

 

Just need their licences revoked now.

 

The main thing I’m keeping a close eye on is who eventually gets hold of the assets of HFO Services – and there are a lot of account assets and judgments sitting there (which were supposedly assigned from HFO Cayman). Hope there’s no mis-valuing of assets going on...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites

I’m surprised in some ways that they back down so easily on M&S accounts, as they had a CC licence when they bought them, and the agreements are usually there somewhere. Think they may have lost the will to fight any cases. Which is rather good, cos they deserve to be kicked from here to eternity for the untold and unwarranted misery they have caused to so many vulnerable people through their lies, deception and bullying.

 

Just need their licences revoked now.

 

The main thing I’m keeping a close eye on is who eventually gets hold of the assets of HFO Services – and there are a lot of account assets and judgments sitting there (which were supposedly assigned from HFO Cayman). Hope there’s no mis-valuing of assets going on...

 

Hi Donkey - well, think it was because Watsons had spotted a lot of other problems with HFO's case - things which I'm sure I wouldn't have noticed, because obviously that's their area of expertise. All in all, we had a really strong case, not just based on the agreement but a lot of other things as well. I think HFO's barrister probably weighed up the pros and cons and decided it just wasn't worth going ahead, which I was more than happy about! If HFO hasn't lost the will to fight any cases, they soon should hopefully! Watsons did have another case back in January against HFO and they beat them on that occasion as well - that one actually went to trial. So hopefully, HFO might start thinking twice before taking people to court on a whim.

 

I agree, we do want their licences revoked now and hopefully in the not too distant future. That would really be the icing on the cake.

 

I know it's difficult to say too much, but is that all still happening behind the scenes - revoking HFO's licence(s)?

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...