HFO / Barclaycard

[coledog]

This is the SB letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

let us see what they come back with. Some complaints to OFT will be on the cards

[Suzie604]

Thank you and I will of course keep you updated with the outcome of the SB letter which will be sent recorded tomorrow.

[Suzie604]

Hi

 

Still not heard anything from HFO after I sent them the Statute Barred letter on 18th June 2011 sent it recorded and it was signed for (if you can call it a signature!) as it has been nearly 3 weeks now with no response from them do I need to do anything else?

 

Also as this debt is SB what do I need to do to get HFO removed from my Credit file as I said in an earlier post they have put a record on there with a default date of 2007 (which is when they bought the debt) which is obviously dragging my credit rating down.

 

Thanks for your help so far and hope you can help some more

[DonkeyB]

You need to find out from the OC when the account was defaulted, and ask them why HFO are showing a later date.

[BRIGADIER2JCS]

Hi

 

Still not heard anything from HFO after I sent them the Statute Barred letter on 18th June 2011 sent it recorded and it was signed for (if you can call it a signature!) as it has been nearly 3 weeks now with no response from them do I need to do anything else?

 

Also as this debt is SB what do I need to do to get HFO removed from my Credit file as I said in an earlier post they have put a record on there with a default date of 2007 (which is when they bought the debt) which is obviously dragging my credit rating down.

 

Thanks for your help so far and hope you can help some more

As they have not responded I would make a FORMAL COMPLAINT including the SB letter, send it to THE Compliance Manger RD.

[Suzie604]

The original default date with Barclaycard was 19th February 2004, the date that HFO have put on it is when the debt was sold to them in July 2007.

 

Brig, I presume that the complaint letter to The Compliance Manager is at the normal address for HFO? and should be about the fact that I have not received a response to the SB letter and should I also state about the credit report entry as well and ask for it to be removed??? and I presume this should go recorded as well?

[BRIGADIER2JCS]

The original default date with Barclaycard was 19th February 2004, the date that HFO have put on it is when the debt was sold to them in July 2007.

 

Brig, I presume that the complaint letter to The Compliance Manager is at the normal address for HFO? and should be about the fact that I have not received a response to the SB letter and should I also state about the credit report entry as well and ask for it to be removed??? and I presume this should go recorded as well?

Yes mark the envelope Confidential for the attention of the Compliance Manager, yes include every thing you wish to complain about and give them14 days from the date

of your letter to respond.

 

The reason for writing to the CM is that things have not been done in compliance with rules and law he or she is the one responsible.

 

Brig.

 

PS Don't for get FORMAL COMPLAINT>

[Suzie604]

Thats great thanks I will draft one tonight and send it tomorrow with any luck, will obviously keep you posted on any responses

[DonkeyB]

Any responses Suzie? Did you also complain to the OFT about their ignoring the fact it’s SB?

[Suzie604]

Hi All

 

Last year I had an issue with HFO trying to claim on a Statute Barred debt, I took the advice of the caggers that helped me out sent a recorded delivery SB letter on 18th June, surprise surprise heard nothing sent a complaint letter on 6th July and also asking them to remove incorrect information from my credit report, again have not heard anything that is until today!! when I receive a letter headed Notice of Appointment

 

The letter states

" We are writing to let you know that we have passed your account to Roxburghe (UK) limited for servicing.

 

Accordingly, please accept this letter as formal notification that from now you must direct any correspondence or enquiries relating to your BARCLAYCARD debt, owed to HFO Capital Limited, to Roxburghe (UK) Limited'

 

It then gives me Roxburghe contact details and what this means for you etc.

 

My first thougts are to send a letter to HFO and Roxburghe and OFT again stating that this is a statute barred debt with a copy of my previous letters attached but really wanted to get advice if I am doing the right thing before I actually do anything!!

 

Any advice would be appreciated

[dx100uk]

if its sb'ed how can it be on your cra file?

 

dx

[the_shadow]

As dx has stated if this IS reported on your Credit file and you are CERTAIN its SB'd then you should by now have been stepping it up since July!!!

 

Section10 notice springs to mind followed by a complaint to the ICO OR court.

 

S.

[coledog]

Hi

 

Did you get confirmation of the last payment date on this?

 

Do you have copies of the SB letter sent to HFO?

 

I would suggest a letter to Rox explaining that you have informed the previous DCA that this is SB and enclose a copy. Copy everything to OFT

[broken arrow]

hello any HFO guests, interesting how Barclaycard don,t mention Roxburghe anymore, something else for the OFT to look into.

 

HFO get Barclaycard not to mention Roxburghe and now Roxburghe are chasing the debt.

[broken arrow]

Hi suzie welcome back, I have posted also on your old thread, threads may get merged.

[Lady Lou]

Bart alert

[coledog]

Morning to you Bart!!

[DonkeyB]

get all of this to the OFT as a complaint against HFO Capital Ltd and Roxburghe.

[dx100uk]

threads merged and moved to BC forum

 

dx

[Suzie604]

Thanks for your replies,

 

The debt is definately sb, HFO have put the debt on my credit report when they bought the debt!!

 

Yes Coledog I got confirmation from Baraclaycard that the last payment on the account was 19th February 2004. I have a copy of the sb letter that I sent to HFO on my computer don't have a copy of the original or the recorded delivery slip I know it was signed for as I checked at the time but i know that doesn't help!! ( my house got flooded and we lost a lot of stuff including paperwork, this is also one reason why I haven't tried to chase this as have been a bit busy!!)

 

So I will get a letter written to Roxburghe enclosing copy of sb letter (I presume recorded delivery?) and copy in the OFT (does this need to be recorded as well?) should I send a letter to HFO?

[coledog]

Good - just send letter to Rox as you say and copy to HFO and definitely OFT. Make it clear in your letter that a copy has been sent to OFT. What a bunch of chancers , they are!

[Suzie604]

Ok I will send the letter tomorrow and let you know of any responses!

[Suzie604]

Well I finally received a letter from Roxburgh today acknowledging my letter and advising me that any debt collection activity has been suspended whilst they seek advice from their client and that they will be in touch. I wait with baited breath.

 

Still nothing from HFO or OFT whose letters were both sent recorded on the same day.

 

Will let you know of any further progress.