HFO services about a welcome finance loan

[gwk]

i have sent them a cca request on the 28th of november,along with another statute barred letter,should i just now wait to see what the response is regards to the cca request?

[dadofholly]

Yes be interesting to see what they come up with - i take it ou mean 28th of Oct, not November.

 

Have you contacted Welcome to ask then when the last payment was made - and to who the account was sold and when?

[gwk]

I have now redone the pdfs so no personal info is visible

[gwk]

my next step is to send a sar request to welcome,i must admit i did have a laugh when i read the second letter they sent me today:-)

[gwk]

yeah sorry i meant the 28th of october not november,been a long day

[dadofholly]

They can get to you like that.

[dadofholly]

Woud be worth contacting Welcome though.

[gwk]

i will definitely send the sar request to welcome tommorrow,can somebody advise whether i have to send one to hfo or will the cca request suffice

[dadofholly]

You dont have to send an SAR to HFO. But one to Welcome would be helpful.

 

You could phone Welcome and ask them when the last payment was made, and to to who and when the account was sold. They will usually give the basics over the phone - but an SAR will also help as it confirms what Welcome actually do have.

 

In the SAR to welcome make sure you ask for copies of all telephone Call Logs relating to your accounts.

[gwk]

Now off to bed,thanks everyone for the good advice,will check back tommorrow:-D

[dx100uk]

does this debt show on your cra file?

 

dx

[coledog]

Evening

 

Get the correspondence to OFT - tell them what you have told us [email protected]

[gwk]

Morning all,

 

the debt does show on my credit file but there is no name as to the dca or creditor

,the original amount was £4983,

so i do not know where hfo have got the figure of £7714.85 from,

the account was opened on the 18/03/04,

it was last updated on the 16/07/08,

and was closed on the 01/05/06,

the default date is recorded as may 2006,

i find this totally inaccurate,and misleading.

I have attached a copy of the letter i will be sending HFO in reply to their letter on the 1st of november

,i would be gratefull if anybody would take a look at it

and advise me if i have missed anything off

LETTER_REPLY.pdf

[broken arrow]

I would remove Polly,s name and just state you are complaining to the OFT.

[gwk]

I have amended the letter broken arrow,is there anything else which you can think of to put in this letter

[dadofholly]

I still think you need to call Welcome and ask when the last payment was.

[coledog]

I still think you need to call Welcome and ask when the last payment was.

 

Agree

[gwk]

I have just got off the phone to welcome and they have told me that the last payment was .26/08/05 for £15,which in my reckoning make,s this statute barred,i will still send the sar request to welcome,happy days:-)

[broken arrow]

I have just got off the phone to welcome and they have told me that the last payment was .26/08/05 for £15,which in my reckoning make,s this statute barred,i will still send the sar request to welcome,happy days:-)

 

Good, but you need this in writing.

[DonkeyB]

Excellent news. As mentioned, HFO are fully aware of the last payment date.

[gwk]

will i not recieve this information with a sar request or will i have to ask for confirmation in a seperate letter

[coledog]

Excellent news. As mentioned, HFO are fully aware of the last payment date.

 

And really the onus is on them to prove otherwise. The arguments about default dates and 'contacting you' are eyewash.

[coledog]

Please get this evidence to OFT ASAP

[coledog]

will i not recieve this information with a sar request or will i have to ask for confirmation in a seperate letter

 

It may be worth asking Welcome for this in writing - mention that you have sent a SAR but as DB has said HFO DO know the last payment date , it will be on their records also - they have to prove otherwise

[gwk]

i will send it to the oft,where do i go with regards hfo not complying with my statute barred letter and sending me evidence to back up their claims.