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HFO ..... Help needed please


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Who claims to own this debt? Is it HFO Capital Ltd, from Dublin? You need to tell us more about when they claim to have bought the account. It would have been probably in 2007 or 2008. Tell us all you can.

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“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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July 2008 is not likely – did they send a letter stating this? Can we see it?

“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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But have they previously ever sent you a Notice of Assignment, probably on Barclaycard letterhead, saying the account had been sold to HFO?

“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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So how do you know they got the account in 2008?

“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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You need to contact Barclaycard directly to ask them when it was sold – call them on 0844 556 0066. Ask them EXACTLY when it was sold, what the date of default was and exactly who it was sold to. Then let us know the answers they give...

“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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I was just going on the dates of their letters, Is there any chance they do not own the debt??

 

Technically there is every chance they do not! But it’s complicated...

 

What letters have they sent you in the past?

“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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So they sent you a threatening letter in June 2008 and then sent a notice of assignment in July 2008?

 

Anyway, I bet Barclaycard tell you it was sold in 2007. Barclaycard have never sold accounts to the company that is claiming ownership, ans sold no accounts to HFO after 2007, so they are telling fibs. You will need to complain about this deliberately misleading information to the OFT.

“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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Ok. Your next job is to complain about this to the OFT. The company now claiming to own this account is HFO Capital Ltd, based in Ireland. However, your account MUST have been sold to HFO Capital Ltd based in the Cayman Islands, a completely different company.

 

On 31 January 2008, the HFO in Cayman assigned all its accounts to HFO Ireland. However, HFO Ireland did NOT have a consumer credit licence at this time, so the sale was technically a criminal offence and therefore void.

 

The Notice of Assignment sent to you is totally wrong as Barclaycard did NOT sell your account to HFO Capital Ireland. You were also not informed of the assignment from HFO Cayman to HFO Ireland.

 

So, a complaint to the OFT is needed...

“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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