h.f.o nightmare

[BRIGADIER2JCS]

Hi the application with the heading of Credit agreement regulated by the consumer credit act 1974and accepted by the creditort together with

proof of payments made to the account by way of statement in the balance of probabilities is evidence the contract exists. ( personal experience on behalf of others)

[creditcardmug]

An application form headed consumer credit agreement 1974 and signed can be a valid agreement...but it must contain "within the four corners of the agreement", the " prescribed terms", in my experience very few did from 1997

[Tootles1971]

Hi,

 

Yes send the SAR request with a £10 unsigned postal order (write on the back it is to pay for the SAR request). Be fairly specific what you want them to send you. They have 40 days to respond to the request.

[BRIGADIER2JCS]

I have a number of personal agreements and applications which contain all of the prescribed terms including a new credit card issued in the last month,

( I'm very fortunate I do not have any debt problems and came yo CAG only to help others).

My previous occupt

 

aion taught me to keep all

 

 

 

 

 

 

 

 

 

 

 

 

I have a number of current and previous applications that contain all the prescribed terms including one less than a month old.

My career taught me to keep documents for long periods and I can go back quite a long time and stand by my comments.

[BRIGADIER2JCS]

O Sh*t the laptops' gone pear shaped:madgrin:

[creditcardmug]

Of course current and recent agreements have the prescribed terms, we are talking about 1997 when the greedy credit card companies didnt even bother to get a proper signed contract, so keen were they to get business, they're docs are 100% now

See my cases on here with CL finance/barclaycard, and nationwide credit cards were i won on exactly these points

[BRIGADIER2JCS]

I am refering to application forms.

[pebbles71]

i should add for pebbles that the copy of a microfiche she had back was a pre approved aplication form knowing what i know about er ex and his dodgy business partner i suspect one of them had it away on their toes with the card without her realising she had ever been granted it if so is it the fraud route cos i will do anything to protect her because she is rather vulnerable at the moment and if her ex gets nicked for fraud so be it .....pebbles o/h

[BRIGADIER2JCS]

Yes if pebbles is vulneraqble getting the ultimate closure on this is best.

How are you planning to report the fraud?

[coledog]

If this went to a court room, the legality of the agreement and whether there was an account or not would very much depend on the judge 'lottery' going by recent cases.

 

You need to make it very clear to HFO that you are disputing this account, put it in writing, and then get as much information as you can about the history of this. Recent press coverage suggests that DCAs should not be pursuing an account where there is a clear dispute so report them to OFT.

 

OFT http://www.oft.gov.uk/ for the attention of James Waldron

[pebbles71]

hiya guys she has made it very clear on phone and in writing that she disputes this debt totally when she comes home she will be doing the sar and complaining to the oft and as far as the fraud route i guess the police and whoever else will listen cos like i said in a previous post she is honest and if she owed it she would pay it end of im just worried this will make her slip further back into her depression and that would be a real shame cos she has been fighting it and getting better i dont want toerags like hfo sticking her back in the mental health unit cheers

 

 

 

pebbles o/h

[BRIGADIER2JCS]

Hi again pebbles fragile mental health is more important than a debt The Credit Services Association has a code of conduct

about how to treat people with physical and mental problems have a look at revenants last post or Google CSA.

[harrassed senior]

Just wondering is a SAR to your Bank might reveal more information on when the payments were made etc.

[DonkeyB]

There is an uncontrollably happy Donkey in town.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?306771-HFO-Capital-Services-Roxburgh&p=3423025#post3423025

[DonkeyB]

Pebbles, did you get your complaint in to the OFT and/or police? What happened next?