HFO Reminder - Notice of Assignment

[iainskwatt]

Hello all,

 

I was directed here by a few different websites saying this was the place to help with HFO trying to recover a debt I wasn't aware of from Barclaycard.

 

I received the letter yesterday and it was dated the 3rd October 2011. I have never received any other notice from HFO or Barclaycard about this debt. As far as I am aware I never defaulted on a Barclaycard and I do not have one now, although I did have one many moons ago.

 

I have looked at my credit report on Experian, Equafax and CreditCall, the only reference to the debt is on Equafax which states it is a Credit Card from HFO Services Ltd. The start date was 31/09/1999 and the default date was 04/08/2006 and there is an updated date of 16/07/2008.

 

The amount is only for £178.06 according to HFO Services but the default/delinquent balance is £116.

 

What do I do next, having looked around the web HFO seem to have a bad rep. and every bit of advice told me not to talk to them directly and to come here for help?

 

Thanks in advance for your help.

[DonkeyB]

Another ‘reminder’ when they have not bothered to contact you in about four years. Have you moved in the last few years, or recently applied for credit? The difference in value will be their spurious 12% interest, which is not on. They are suddenly chasing these old accounts as they are all very close to SB. You need to complain to the OFT about these tactics of ‘reminders’ where no previous notice has been given.

 

First thing to do is check when the last payment was actually made to Barclaycard. Also ask exactly to whom and when the account was sold. Call Barclaycard on 0844 556 0066 – you’ll need your original account number and your address at the time.

 

Let us know what they say.

[DonkeyB]

And you can guarantee that the account was not sold to the company now chasing it...

[coledog]

Morning - what exactly does the letter from HFO say? Are you able to scan and post it up with personal details removed?

[coledog]

And NEVER ring HFO (unless you can record the call)

[DonkeyB]

If you are in Scotland, the statute of limitations is five years...

[coledog]

If you are in Scotland, the statute of limitations is five years...

 

And 6 years from date of last payment or wriiten acknowledgement if you are not in Scotland

[iainskwatt]

Thanks for the responses. I will give Barclaycard a ring soon and I'll scan in the letter too. Unfortunately I'm not in Scotland, I wish I was on many levels but it would have been helpful because the 5 years would have been up.

[sillygirl1]

When you speak to Barclaycard ask when the last payment from you was, this is important as the statute barred clock starts ticking from then, not from when HFO claim they wrote to you.

 

HFO are rather inventive with their documentation - a reminder notice of assignment is not a legally binding document as far as I am aware and there is no legal obligation to send one out either.

[coledog]

You don't know that until you find out last payment? Do not go by the Defauult date

[iainskwatt]

Here is a copy of the letter from HFO Services:

 

EPIC FAIL

 

Enjoy

 

Edit:

Wow that is really small!

Edited October 5, 2011 by iainskwatt

[iainskwatt]

Any ideas on how to not shrink my attachment?

[DonkeyB]

As the actress said to the bishop...

 

Try a photobucket.com account, or save as a PDF and use the advanced reply box to upload to your account and insert in line.

[iainskwatt]

Let me try that again:

 

Reminder-NoA (2).pdf

Edited October 5, 2011 by iainskwatt

[DonkeyB]

Usual drivel. If you could be bothered, a SAR to HFO would uncover whether any previous letters have been sent, when and to which address.

 

Let’s see what Barclaycard say.

[DonkeyB]

And the infamous Mr Ian Parrett, or Farrell, or whatever – on one of their Indian numbers. Probably doesn’t exist.

[iainskwatt]

Well I have phoned Barclaycard and they were very helpful. They sold the debt to HFO Capital in April 2007. However the last payment on the card was January 2004. They could not give me details of what the charges were. The man on the phone did speculate on it being an annual charge on the card and if I had cancelled a direct debit that would have caused an issue but he had no detail on his screen to be able to verify.

 

Does this mean the Statute Barred comes into play now as I have never had any correspondence with them?

[DonkeyB]

I suggest you call back and find out when the default date was; 4 August 2006 is not on if the last payment was in January 2004. Ask if they can explain this delay.

[DonkeyB]

Sounds like the balance may have been for two annual fees, which you might know nothing about – they would not count as acknowledgments.

[dadofholly]

Well I have phoned Barclaycard and they were very helpful. They sold the debt to HFO Capital in April 2007. However the last payment on the card was January 2004. They could not give me details of what the charges were. The man on the phone did speculate on it being an annual charge on the card and if I had cancelled a direct debit that would have caused an issue but he had no detail on his screen to be able to verify.

 

Does this mean the Statute Barred comes into play now as I have never had any correspondence with them?

 

Ask Barclaycard to confirm all that in writing - and then send the stat barred letter.

[broken arrow]

Subbing

[iainskwatt]

Just off the phone again with Barclaycard. They will not put anything in writing. The default date was the 26th April 2006 which seems a long time to me.

[broken arrow]

Phone the Directors office

[iainskwatt]

Phone the Directors office

Which Directors office?

[DonkeyB]

Barclaycard – 0844 0903111 and ask for Paul Hart.

 

Tell him you are not happy about the difference between last payment date and the default date, and want to know why it took over two years to issue a default, as well as how the balance accrued.