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    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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HFO / Barclaycard


Suzie604
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Hi, after some advice regarding the above company, I have read some of the threads already regarding them but some specific advice would be nice.

 

last month I received a letter from HFO regarding a debt with Barclaycard many years ago

they were asking for £462

 

if I remember correctly the original debt was for about £100,

 

I then received another letter about 2 weeks ago asking for me to contact them regarding the debt,

 

I then looked into the company via this forum and followed some advice given on one of the threads

and contacted Barclaycard asking them when the last payment was made to that account and when and who the debt was sold to.

 

They confirmed that the debt had been sold to HFO in July 2007

and that the last payment on the account was February 2004,

 

I did ask the man to confirm what he had said to me in writing but he said that he couldn't do that

to which I replied that I wasn't asking for anything that he hadn't told me on the telephone, he still refused,

I then explained that I would put in a request for all my information which they would then have to give me the details ,

the man said that all requests like that would have to go through HFO,

 

I explained to him that this was incorrect as they hold the information on me so they would have to disclose their records under data protection etc,

he was very nonchalant and said it would still have to go through HFO,

at this point I ended the call stating that they would receive my request in writing (as I had read that I need to do in another post).

 

As far as I aware I was never told that the debt had been sold and haven't had any communication for many years

I even think that the debt might come under the 6 year rule but I don't think I will know this until I request the information from Barclaycard,

I still haven't contacted HFO but today received the 72 hour litigation letter from them.

 

I plan to send the letter to Barclaycard requesting my records next week (payday!) and will send HFO a CCA request, am I doing the right things?

 

Also with regards to HFO I have checked my Credit report and they have a log on my history that the debt defaulted in 2007

(this is when they bought the debt not when it defaulted which was in 2004 how would I get this changed?

and also with regards to the interest that HFO have added to this debt

 

it is my understanding that if they add interest they need to write to you confirming the interest rate

and also send yearly statements is this correct ( I have not received any of these the first contact being from them last month).

 

Sorry for the long post but wanted to cover everything.

 

Any help would be appreciated.

 

Thanks

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The debt is statute barred if no payment or acknowledgement in writing has been made in the

last 6 clear years, i hope that there are not 2 defaults showing 1 by Barclay card and 1 by HFO.

The 6 year period starts 1 day after the last delinquent payment to Barclay Card so I think in your case

this would 1 month after the payment made in 2005.

Did you have any notice of default from BC?

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hehe

 

hfo up to their tricks again i see.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No there was only a default for HFO, barclaycard was nowhere in site, I honestly can't remember if I got a default notice from barclaycard I probably did but it is so long ago now I can't remember!!

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well if the debt is now in their name

it wil show as 'their' default.

 

thats what happens when debts are sold.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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but I haven't defaulted any payments with them as they have only just contacted me and I have never had an agreement with them to default, surely they can't just pick a date and put that as a default?

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You need to phone barclaycard on this No 0844 0903111 and ask for Paul Hart, explain what customer services informed you and their refusal to give you the info in writing.You also ned to find out who exactly the account was sold to, you have just stated HFO in your post, is this Services, Capital Cayman or Capital Dublin?

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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When you have proof of the debt being stat barred you then need to inform the OFT, again trying to collect on a stat barred debt.

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

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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Thank you Broken Arrow, they said the debt had been sold to HFO services, I would have mentioned it earlier but didn't realise that there were different ones! and yes I will definately contact OFT when I receive the details from Barclaycard.

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lots of guests.....

 

hello spies...

 

job centre soon ...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thats who Barclaycard think they sold it to, but you want that in writing, so please contact Mr Hart in the directors office, I have never seen a Barclaycard to HFO Services sale agreement.

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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Thank you Broken Arrow, they said the debt had been sold to HFO services, I would have mentioned it earlier but didn't realise that there were different ones! and yes I will definately contact OFT when I receive the details from Barclaycard.

 

Yes they took me to court as HFO Services, but mine was sold to HFO Capital Cayman in the end they gave up and discontinued.

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 All

Received another letter from HFO today a "schedule of Litigation" letter, I know I am to send the letter to barclaycard (which I now plan to do tomorrow) should I contact HFO to say it is dispute etc or am I asking for trouble if I contact them? as I have not been in contact with them at all yet. Any advice would be appreciated.

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No don't contact HFO at all - and NEVER by phone, they will just spout rubbish at you.

 

Have you rung Paul Hart yet? You need to get that last payment date from Barclaycard, as soon as possible.You can then send the SAR but may not need to.

 

The letter they have sent you is more rubbish and misinterprets the legal process, you need to send a complaint to OFT about these letters and the length of time it has taken HFO to contact you. wait and see if this is Statute Barred or near to that first

 

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

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Thanks for your reply, i won't contact them then. I didn't get a chance to call Paul Hart yesterday but have done today ( he was out of the office all day) but the lady I spoke to confirmed that the customer services that I spoke to the other day do not have the facility to send out letters also that she could give me any information i required but again that because her and Paul's department only deal with complaints from OFT that she couldn't either!! The info I did get was that the last payment on the account was 19th February 2004 and from what she could tell on her system the last letter sent to me was on 23rd February 2004!!. the debt was sold to HFO Services on 27th July 2007. so i presume that confirms that it is statute barred? even though i don't have it in writing is that correct? do i still need to do the SAR and what next?

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I certainly appears so, personally I would do the SAR so as to make sure there are no sneaky payments or anything.

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!

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Not sure it is worth a SAR if you are pretty certain that there have been no payments or written acknowledgements since. It is not actually up to you to prove it is SB, it is up to HFO to prove it is not but it is good to be certain of the facts. The SAR takes up to 40 days.

 

Think I would send the SB letter to HFO, recorded delivery. HFO will come back to you and say it is not SB because they have contacted you but this is rubbish and will get them further in the doo-doo with OFT. Have you found the SB letter or do you need a link?

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I like the belt and braces approach myself, like to be sure.

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:

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thanks guys well what I will do is send the SB letter to HFO (a link would be helpful thanks)and also do the SAR that way the SAR time is ticking on whilst HFO are dealing with it and then hopefully by the time HFO respond I will have all the stuff from Barclaycard to defend it, saving time and further crap from HFO in the meantime. I can guarantee there has been no payments since that date because I didn't actually pay it as Barclaycard took the money direct from my Barclays current account at the time without my consent but that is a whole different story and was dealt with at the time!!

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