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Old M&S Store card - HFO claim


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Could I just add, Magda, I think it would be an excellent idea if you could ask your solicitors for a detailed list of all the issues they submitted as a defence as well as the letter from HFO saying they're discontinuing and then send that to the OFT pointing out perhaps that given the situation they should not have been after you in the first place. I reckon that this sort of evidence, where HFO discontinue when it is pointed out to them that they have no case, is the biggest and best coffin nail for HFO.

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Hi bradholmes, you could be right. I have submitted my own complaints to the OFT though anyway regarding this case, which they have duly noted, and I know a lot of others on here have done the same, so hopefully there will soon be some good news on this, fingers crossed.

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Did you ever get in writing the fact that M & S informed you the account was sold to Roxburghe and not HFO Capital.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi BA, No, M&S claimed it was sold to HFO Capital Ltd in the letter they sent to me. They gave HFO's name, but TR's address - and the date of the assignment was a day out, which although not much of a difference, is still wrong. Mind you, Watsons weren't really focusing on the assignment issue too much anyway as there were other, better arguments in my case that could be used.

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What made M&S change their mind on who they first informed you the account was sold to, the same issue happened with Barclaycard, one for the OFT.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Well, according to M&S they know them as Roxburghe, so that's what they call them, but they said it was actually sold to HFO Capital - although the agreement between M&S and HFO, of course, was entered into between HFO Cayman and M&S, but HFO claim it was then sold to HFO Ireland - usual HFO tactics to muddy the waters as much as they can.

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All accounts now are being serviced by Roxburghe and not HFO Services as previous, I think they are under the impression that Roxburghe,s CCL will not get revoked, most complaints to the OFT are against Services and Capital, so can you please inform the OFT of this issue ragarding what M&S informed you.they are all part of the same group but are legal separate entities, I am surprised M& S are unsure who they actually sold their accounts to. The same issue happened when people contacted Barclaycard, they were first informed the accounts wre sold to Roxburghe, then informed HFO Capital where known as Roxburghe at the time when the issue was raised, which is incorrect, HFO Services where known as Roxburghe for 17 days, before any sales to HFO Capital. The OFT are aware of at least two cases with Roxburghe/ HFO/Barclaycard issues.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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HFO are hopeless at getting GENUINE evidence together. They fail in so many ways on simple points too, like getting hold of proper default data and usually have DNs that are defective in one way or another (even the ones they issue themselves are pure bull). Then they go to court and argue all their failings are de minimis, but that everything else works strongly in their favour. Some judges buy it, alas, especially with LiPs.

 

Lots of ways to skin HFO’s cat. Especially when their ‘solicitor’ is terminally useless.

“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

 

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... which is something he should NOT be calling himself. But once a purveyor of inexactitude...

 

http://www.solicitorsjournal.com/story.asp?sectioncode=2&storycode=14958&eclipse_action=getsession

“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.

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Hes a solicitor of the supreme court.........

 

Which if he is, he should know that changed in Oct 2009 and is now “solicitor of the Senior Courts of England and Wales” the xxxx put this in my WS in 2010.

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Snap!

“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.

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Which if he is, he should know that changed in Oct 2009 and is now “solicitor of the Senior Courts of England and Wales” the idiot put this in my WS in 2010.

 

... but no doubt that is de minimis, or a simple admin error...

“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.

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Which if he is, he should know that changed in Oct 2009 and is now “solicitor of the Senior Courts of England and Wales” the idiot put this in my WS in 2010.

 

under a statement of thruth..............solicitor of goofy crap comedians or the banana splits would be more apt.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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That's the trouble with a lot of these cases, some of it is down to the judge you get on the day, isn't it, which if you are a LIP as donkey just mentioned, it can be difficult to argue against an experienced barrister and HFO do instruct pretty good barristers I believe. That was one thing I was really pleased about, that I would have had a great barrister in my corner - makes a huge difference.

 

The OFT are aware of all of the issues regarding this case, I made sure of that some time ago. Hopefully Hfo won't be around too much longer.

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under a statement of thruth..............solicitor of goofy crap comedians or the banana splits would be more apt.

 

Has anyone ever seen Alice, Bingo and Alan Carr together at the same time?

 

Bingo.jpg

“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.

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Their rep who turned up against me did not even know who she was representing, its rare for them to instruct a Barrister and when they have, it has been costly.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I set up a company to give dodgy five-star reputation-boosting endorsements to companies in exchange for money.

 

Haven’t had a call from HFO yet.

 

DonkeyChex.jpg

“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.

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