HFO services about a welcome finance loan

[gwk]

I have recently been contacted by HFO services about a welcome finance loan i had about 6-7 years ago,they say they have been assigned the debt by welcome finance.

I have unfortunately mislaid the original assignment notice that they sent me,but i have kept the next 2 letters which they sent me,i have sent them a statute barred letter on the 20th of october after i recieved the second letter on the 19th of october,unfortunately i forgot to typo my name at the bottom of the letter,but everything was as the template letter.

I then sent them another statute barred letter on the 28th of october together with a cca request.All these letters were signed for and delivered to PO Box 342.

I then recieved another letter through the post today(02/11),which i have included with the other letter i recieved from HFO on the 19th of october.

I would be most gratefull if someone could assist me with this matter,and give me advice on which direction to take this matter.

hfo1.pdf

hfo2.pdf

Edited November 2, 2011 by gwk

[rebel11]

Hi gw

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Thread moved to the correct forum.

[dx100uk]

cant read postage stamps:

 

use:

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

does this debt show on your cra file?

 

dx

[dadofholly]

Hi

 

Are you sure this is stat barred?

 

The dos you have loaded are too small to read - can you try and scan them again and save them as pdf's

[broken arrow]

Do you know when the last payment was.The first letter was it a reminder notice of assignment?

[DonkeyB]

Evening all.

[broken arrow]

Can you please repost letters, remove any personal info, I know they are small but you might of left your name on those.

[broken arrow]

lots of guests!

[dadofholly]

21 guests - and hardly anything to read - blimey.

[gwk]

broken arrow im not to sure what the first letter contained as i have mislaid it,but im sure it was a notice of assignment,im sure the last acknowledgement or payment on this account was over 6 years ago,the dca may have acknowledged the debt but i havent,any way have a look through the letters which i have redone as pdf's,and see what you all think as im a bit lost as where to go next

[gwk]

surely its upto the dca to provide evidence of contact or/and payment,which they havent done

[DonkeyB]

Your details are still on there.

 

You must get that second letter particularly to the OFT asap.

 

The cause of action DOES NOT begin from the date of default. They know damn well it does not. It is related to the last payment or acknowledgment.

 

They are also wrong about sending letters willy nilly to any old address – ‘regular communication’ is a two-way thing. If they had evidence of your changes of address, why haven’t they contacted you sooner? (Answer: they are incompetent, and like the 12% interest)

 

They have made no effort to trace you, I imagine. It is NOT your responsibility to pass your address to anyone – anyway, they’ve been sitting on these accounts for years, then sending out ‘reminders’.

 

They are misleading you as to the true legal situation. This is against OFT debt collection guidelines, and is a misleading and unfair practice.

 

They are, in short, lying to you. Usual stuff from these scumbags.

 

However... it would help if you could ascertain the actual last date of payment.

[DonkeyB]

Also, HFO will have exact details of when your last payment was. They just choose to ignore the fact.

[broken arrow]

You did leave your name on the letters, I even guessed right.

[gloryhunter]

hi all HFO still at it then tic tock

[dadofholly]

23 guests now - pub must not open yet?

[broken arrow]

I bet they have no proof they sent you notice of assignment, they will just make one up with a date to fit, but will not have proof of posting persuant to s 196(4) of the LoP act.

[dadofholly]

You must get that second letter particularly to the OFT asap.

 

The cause of action DOES NOT begin from the date of default. They know damn well it does not. It is related to the last payment or acknowledgment.

 

 

Oh dear, oh dear, oh dear.

 

The never realy said that did they? - contrary to the Fraud Act 2006 - AGAIN!

 

The pile of evidence i have is now nearly two foot thick, (hmm who shall i pass it on to?)

[broken arrow]

Complaints can be made to Polly Ashford,OFT, Fleet Bank House, 2-6 Salisbury Square, London, EC4 8JX.

[dadofholly]

As its a welcome one they will not have any T&C's.

[gloryhunter]

Mine too Dadofholly we could send it at the same time to save a few £££££'s on postage

[dadofholly]

gwk - have you sent HFO a CCA request?

[dadofholly]

Mine too Dadofholly we could send it at the same time to save a few £££££'s on postage

 

Maybe we should get together with all the others we know about and have a day out at Scotland Yard.

[chattanooga]

Your personal info is still visible on the attachments in post 1.

 

I've flagged it for the team to deal with. Please don't use marker pen to obsfucate details, it just doesn't work under the keen eye of a scanner.

[cerberusalert]

I've unapproved the pdfs as there is still personal information clearly visible.