HFO Services and old welcome car finance

[shellq]

What will happen then? What do I need to do?

 

Trading Standards have written a letter on my behalf too.

[BRIGADIER2JCS]

If the CCA is not forthcoming the you send the account in dispute letter.

[shellq]

Ok, so no reply from HFO Services and now I should send the Account in Dispute letter. Where can I find this letter? I've been looking but I can'tseem to find it.

 

Thanks guys

[coledog]

Account in Dispute letter to send after 12 plus 2 working days http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[shellq]

Hey Coledog

 

Thanks

 

The time ran out on July 13th which was 12 days plus two for posting etc as per the advice on here. It's the 15th now so I gave them a couple of extra days.

 

I'll get the letter sent today.

 

Thanks

[BRIGADIER2JCS]

AS it's HFO send recorded and us track and trace to ensure it's been delivered.

[coledog]

YES - definately send it recorded and keep a copy. Do not sign

[shellq]

I always send letters to HFO recorded and I never sign the letters. I know they have a sneaky way of cut and pasting signatures on to CCA's. My signature is very difficult to sign anyway so if they do I'll know.

 

Thanks guys

[shellq]

Hi Guys

 

Quick update on my problem with HFO.

 

HFO have confirmed that my 'account' IS statute barred and that no further action will be taken and my 'account' will be flagged with a statute barred status and parked. No further correspondence will be sent to me regarding this account.

 

Looks like my persistence, 6 letters, the help from you guys and the FOS letter finally hit the nail on the head.

 

I'm going to keep the letter in a safe place just in case. You never know what may happen in the future.

 

Thanks for all your help and good luck to anyone else who takes on HFO Services.

[DonkeyB]

Excellent. Make doubly sure they are not trashing your credit rating!

[BRIGADIER2JCS]

Good news shell, keep that letter secure, in case it

crops up again from some other chancer:madgrin:

[shellq]

I've had no alerts from credit expert and everything is fine with my rating.

 

I'm just happy that it's over and I no longer need to deal with them.

 

Thanks for your help.

[shellq]

It's in a very safe place alongside all the other letters I've received and sent. Trading Standards also have copies of my letters and HFO's letters. TS also sent a letter to HFO so they were hit from all angles.

 

Hopefully everyone else who is receiving HFO letters will take some comfort in knowing that the little person can win.

[BRIGADIER2JCS]

Might be worth a quick check on Equifax and Call Credit, Call Credit are not always

up to date.

[coledog]

Nice one shellq. Well done, told you they are persistant little blighters!

[shellq]

Just checked with experian and there's nothing on my report.

 

I use credit expert and they text and email me if someone tries to do anything with my account. I'll keep an eye on it just in case.

 

[broken arrow]

Well done.