HFO services help please

[bradholmes]

Files still on view guys!!! To the OP, I've PM'd you about those files, check the message, it's important.

[coledog]

Yes - letters in previous posts show these too

[rebel11]

Hi bull

 

You can repost your attachments, but remove all personal details including reference numbers.

[ukaviator]

I have removed your attachments Bull. . .

 

Reload them again with your details removed....

[bulldozaba]

no probs didn't realise they still showed when you loaded and zoomed just tried it. will sort this and upload again. Many thanks.

[bulldozaba]

ok lets try again. this is the letter they sent me in july 2011

hfo letter.pdf

[bulldozaba]

And the response to my cca request

hfo cca response.pdf

Edited October 22, 2011 by bulldozaba

[bulldozaba]

And this is what they sent me after i had sent the default letter. Also note what i have circled in the top right corner of the CCA, I take it this means they have another 7 pages but didn't bother to send them?

cca acc letter.pdf

cca.pdf

Edited October 22, 2011 by bulldozaba
with out details

[broken arrow]

Your name is on the second letter.

[broken arrow]

Your name is on the second letter.

 

and the third....

[bulldozaba]

Can't believe i did it again! How do i remove the attachment?

[DonkeyB]

Well, Gemma Roderick’s Facebook page –

 

http://www.facebook.com/people/Gemma-Roderick/669538344

 

– shows her as being in India. I do hope HFO aren’t processing your data in a foreign country... because that would be naughty.

[cerberusalert]

Attachments unapproved.

[broken arrow]

Well, Gemma Roderick’s Facebook page –

 

http://www.facebook.com/people/Gemma-Roderick/669538344

 

– shows her as being in India. I do hope HFO aren’t processing your data in a foreign country... because that would be naughty.

 

friends with Priyabrata Ghosh, who works for Validor.

[bulldozaba]

Ok attachments edited, what do i need to do in relation to the CCA request as they haven't sent my t&c's or statement and on the last letter its says collection activities are due to start again.

They are already charging me interest the amount has gone up by £12.18 between the two letters dated 27th Sept and 18th Oct. Im alittle confused as to what i need to do next.

[dadofholly]

You could write back to Gemma and point out that in fact they have not complied with your S.78 request, as she states in her letter, as they have failed to supply you with the Terms & Conditions or a statmenet of account.

 

I would even send them a copy of this pdf. and highlight the sections they have failed on. (Have attached it for you.) S.78 request requirements.pdf

 

The letter they have sent you is deliberatley misleading - and should be reprted to the OFT.

 

You may also like to ask Gemma how come she is claiming to be from HFO but actually works for Validor Capital, a company with no Consumer Credit Licennce for debt collection, and not registered under the data protection act to process your data.

[coledog]

' HFO Sercvices'? Cannot even spell either! Muppets!! Get this reported to OFT and stress the Validor link. Have you got the envelopes from the letters and the postmarks? Where were they posted??

[bulldozaba]

i will write back to her, how do you know she works for this Validor company? did i miss something on the facebook page. i notice that it said worked at HFO and not works.

As for the letters i only have one envelope from them i think and it came from london SW19.

Which bit of S.78 request requirements.pdf do i need to copy hopefully not all 49 pages.

[broken arrow]

One of her facebook friends works for Validor, she works for HFO Sercvices.

Edited October 22, 2011 by broken arrow

[bulldozaba]

just done a quick search on google, Validor capital and hfo services india have the exact same address just written slightly different.

HFO Services India Pvt. Ltd.,

6B,Building No.6, DLF Cyber City,

DLF Phase-3, Gurgaon-122002 DLF

Tel: 0124 420 5241

 

validor capital india pvt. ltd

6B building no 6

DLF Cyber City DLF phase III

Gurgaon-122002

Edited October 22, 2011 by bulldozaba

[dadofholly]

One of her facebook friends works for Validor, she works for HFO Sercvices.

 

I think they either work for both, (not likely) or just Validor using HFO's name. Unless HFO do have a representation out there. But their call centre debt collectors are Validor.

[dadofholly]

i will write back to her, how do you know she works for this Validor company? did i miss something on the facebook page. i notice that it said worked at HFO and not works.

As for the letters i only have one envelope from them i think and it came from london SW19.

Which bit of S.78 request requirements.pdf do i need to copy hopefully not all 49 pages.

 

Have a read through it - you will find a section on what they need to send to comply, just print off the relevant pages. Not forgetting the section on the statement of account.

[bulldozaba]

Thanks i have pulled off what i thought was relevant and included it with my letter, lets see what sort of response i get if any.

[dadofholly]

Don't forget to report this to the OFT

[bulldozaba]

hi, i have joined credit expert to have a look at my file and have noted that hfo have searched my file and registered a default on it by the looks of it. Shouldn't they have had my permission before searching my credit file? Should i also report this to the OFT?