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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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HFO services and Cabot finance


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yeh i will do no probs, made a bit of a mistake yesterday tho.

 

i rang them...............

 

some monkey on the end of the line made some minor threats about how i must pay them or there could be trouble.

 

i explained that I would be sending a CCA form,

and i wanted Proof of this before i would pay a penny.

 

I offerd t osettle the account for £500 but the monkey said no chance, your gonna have to pay us more than that or you could end up in trouble.

 

I asked if he was threatening me ?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

- there was an aqward silence

 

"Looks like youve got a problem then" he said,

 

I laughed,

 

"only after after several pints, but my girlfriend, she understands. I mean it happens to you as well right ?"

 

More aqward silence..Then the monkey grunted something like,

 

"Well you send the form, and then we will proove it. then you can pay us"

 

"whats your mobile phone number" he asked.

 

I thought for a second....

The call ended......

 

 

Hi,

 

 

No problem!;)

 

Sometimes you can have quite a bit of fun with these morons on the phone!:)

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Bracken - it's not a problem that you sent the CCA request to Turnbull Rutherfords Solicitors maybe they will ask for it from original lenders. In fact if they are taking you to court they should really already have the CCA to prove their case in court already?

 

DO send to the Original Lenders HFO too for a copy of the CCA with £1.

 

I would have thought that there is room for you applying to get the CCJ set aside as it was issued at the wrong place and in your absence - do explore this.

 

"I gave them my home address in the phone call i made to them on Monday when the guy told me I would have been better off dying from a brain tumour among other lovely personal comments he made about me."

 

As for comments like this from people - my advice is that you do not deal with these people again by telephone. Make them correspond in writing.

 

You are basically loking for information that tells you how old the debt is, whether it is enforceable, who it was with originally etc..

 

Once you have that information you can send for the SAR and get the rest of the information you need.

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  • 1 month later...
hi,

 

i sent HFO 2 CCA request forms, they deny getting the first one but the second one was received and they called me to say that they was taking the £1 off of my total balance. They literally just ignored it, now what????

 

Thanks

 

They are not supposed to take the money off any account/debt at all - write back to then saying it was for the CCA and if they are not using it for that purpose then you want your £1 back.

 

They are not supposed to be taking 8 weeks at all - 12+2+30 days and they have committed an offence you can report them to ICO for this act etc..

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hi,

 

i sent HFO 2 CCA request forms, they deny getting the first one but the second one was received and they called me to say that they was taking the £1 off of my total balance. They literally just ignored it, now what????

 

Thanks

 

ah! after another phone call they have deceided to put the CCA request forward, in 8 weeks i will received the documents ( i thought they had to have it done within 31 days ).

What they chose to do with the pound is irrelevant. You have made a LAWFUL REQUEST. They have accepted your quid so the clock starts ticking.8weeks is just their usual bullsh!t. The time scales appy to them as everyone else.

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Hi , I have read with interest the articles about how HFO Opreates .I also have been having trouble with them for over 2 years, here is a letter i drafted I am now waiting their responce. The Silly Guy from Sout Africa left a message on my answer phone, I will keep you all informed

Pancho

 

 

 

 

 

Dear Sir/Madam

 

 

re: Account With BARCLAYCARD

HFO Case No:

Amount Owing £000.

 

 

A Complaint has been made to Birmingham Trading Standards As to the manner in the way you are & your agents pursuing Mr. xxxxx as regards Above I will advise that under Section 40 of the Administration of Justice Act 1970,Under the Judgment Enforcement An offense is Committed when a person uses certain methods to try to force another to pay an alleged debt i,e, It is unlawful for a person to harass someone with demands for payment in a way that is calculated to subject him/his family to "alarm,distress or humiliation Which includes the frequency manner or occasion of the demand and any threat that accompanies it.

 

 

On Wednesday night at 8,15 PM a call was received by Mrs.xxxxxxx and threats were made to her, On Friday five phone calls were made in the space of 1/2 an hour resulting in this message been left on the phone answering service (Message on enclosed CD)

Under the DATA Protection Act 1998 Chapter 29 SCHEDULE 3 Paragraph 4 (d) Rules have been abused

 

 

The history of this alleged debt goes back to Barclay Insurance (Ireland) who paid the card debt of just over £500:Which was the limit, in the time that it took them to accept responsibility interest accumulated on the account which Mr.xxxxxx disputes and would gladly like to have it resolved in the Courts,and will counter claim for the unlawful and frequent phone calls also the message left which breaks the code of conduct of the Data protection act & stress caused to him and family members.Mr xxxxxx has Isonic Heart disease and these aggressive calls by a certain Mr. Williams bring on angina attacks.

 

 

A letter of complaint will be sent to the Md of Barclays Bank Plc I have also Instructed Phone Provider BT to supply me with all the calls made by your agents

 

 

Please see to it that these phone calls and demands stop immediately.

 

 

Your sincerely

 

 

 

 

 

 

xxxxxxxxxx

 

 

-------------------------

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  • 1 month later...

hi all , this is my first post on here, my son has run up a credit card debt which i think is around 10,000 he doesnt have a job and doesnt live at my house anymore , i have started to get calls from hfo services on my mobile asking for my sons present where abouts and phone number am i legaly bound to give this info to them ? and do they have any rights to claim the money off me ? . i think im goin to get plenty more calls off them as they dont seem to take no for an answer ,

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You don't have to tell them anything, except to go and copulate with themselves. And if they don't stop harrassing you, you'll report them to the police for CRIMINAL harrassment. Get individual names if you can, and have a moan at plod. They are seriously breaking the law.

 

Oh, and tell them you'll be recording every call from now on. (Even if you don't). And keep a diary with dates and times as evidence.

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hi all , this is my first post on here, my son has run up a credit card debt which i think is around 10,000 he doesnt have a job and doesnt live at my house anymore , i have started to get calls from hfo services on my mobile asking for my sons present where abouts and phone number am i legaly bound to give this info to them ? and do they have any rights to claim the money off me ? . i think im goin to get plenty more calls off them as they dont seem to take no for an answer ,

Welcome :)

 

I'd recommend you start a new thread in the Debt and Debt Collectors section so that you can receive some more advice, but briefly NO they cannot act like this and there are positive steps that you and/or you son can take under the law to stop this harrassment and to manage this alleged debt. If you get any more calls, don't speak to them but do keep a log. Start your own thread and I'll explain more :)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I dont know if any of you red my post on A HFO agent from South Africa Leaving a message on my phone answering service Threatening me with baliffs and them taking Goods of 5 times the value of my alleged Debt 0f £500 on a Barclay card I had ppp in place and by the time they decided to pay on the ppp interest rose to a further £548 I refused to pay and for 2 years they harrassed me untill this Guy leaving the message on my Phone I am a musician an have a small studio oin the house I recorded the message and sent it to the MD @ Barclay Headoffice and also to themselfs and TS ,Barclay replied almost By return and said they were shocked at the content of the phone call and recalled the debt from them and decided to cancel out the So called debt I did say in the letter to them iwas going to sue under the Data protection act been broken ,It is a happy ending so far .The first thing i done was to ring HFO for the name of their MD I was asked why i want his name and i Replied i was about to sue him and needed a Name It felt good for the shoe to be on the other foot,I hope some of you can resolve your problems with them also ,Pancho

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I dont know if any of you red my post on A HFO agent from South Africa Leaving a message on my phone answering service Threatening me with baliffs and them taking Goods of 5 times the value of my alleged Debt 0f £500 on a Barclay card I had ppp in place and by the time they decided to pay on the ppp interest rose to a further £548 I refused to pay and for 2 years they harrassed me untill this Guy leaving the message on my Phone I am a musician an have a small studio oin the house I recorded the message and sent it to the MD @ Barclay Headoffice and also to themselfs and TS ,Barclay replied almost By return and said they were shocked at the content of the phone call and recalled the debt from them and decided to cancel out the So called debt I did say in the letter to them iwas going to sue under the Data protection act been broken ,It is a happy ending so far .The first thing i done was to ring HFO for the name of their MD I was asked why i want his name and i Replied i was about to sue him and needed a Name It felt good for the shoe to be on the other foot,I hope some of you can resolve your problems with them also ,Pancho
Excellent result. Just shows the power of recording all their threats. The original Creditor is responsible for the actions of these thugs who are acting as their collection agents,

 

RUTHLESS, CLOWNELLS, RWC AND RMA/NCO PLEASE TAKE NOTE:D

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I dont know if any of you red my post on A HFO agent from South Africa Leaving a message on my phone answering service Threatening me with baliffs and them taking Goods of 5 times the value of my alleged Debt 0f £500 on a Barclay card I had ppp in place and by the time they decided to pay on the ppp interest rose to a further £548 I refused to pay and for 2 years they harrassed me untill this Guy leaving the message on my Phone I am a musician an have a small studio oin the house I recorded the message and sent it to the MD @ Barclay Headoffice and also to themselfs and TS ,Barclay replied almost By return and said they were shocked at the content of the phone call and recalled the debt from them and decided to cancel out the So called debt I did say in the letter to them iwas going to sue under the Data protection act been broken ,It is a happy ending so far .The first thing i done was to ring HFO for the name of their MD I was asked why i want his name and i Replied i was about to sue him and needed a Name It felt good for the shoe to be on the other foot,I hope some of you can resolve your problems with them also ,Pancho

 

 

Well Done Pancho - nice to you you WON!!! :D

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hi all , this is my first post on here, my son has run up a credit card debt which i think is around 10,000 he doesnt have a job and doesnt live at my house anymore , i have started to get calls from hfo services on my mobile asking for my sons present where abouts and phone number am i legaly bound to give this info to them ? and do they have any rights to claim the money off me ? . i think im goin to get plenty more calls off them as they dont seem to take no for an answer ,[/quo

the latest is that on tues last my stepson who has deep depresion problems and atempted suicide twice these past 2 years stayed at the house alone during the day to watch tv as his was on the blink , h f o services phoned . i think they must have realised he was in a bit of a confused state and pounced... they became very agresive and demanded that he tell them where my son was and his phone number and if he didnt he would be in seriouse trouble . when i came home from work he was in a right state ! and has afected him realy badly , i think its time i went to the police over these gits.

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What you need to do is get a letter off to them demanding that they stop calling. You are under no obligation whatsoever to tel them anything. It is NOT your debt, they have NO RIGHT to be phoning you in this criminal fashion.

 

Start a thread of your own in the general debt forum so that we can help if they don't back off. And as this doesn't relate to a debt of your own, here's a letter that you might like to send. Keep a diary of all calls with date, time and name of caller if possible, so if they do continue, you have evidence to report them. (The address below is the one they have registered for their data controller. It might be worth copying the letter to their managing director too.)

 

Data Controller

HFO SERVICES LIMITED

4 CARLTON GARDENS

LONDON

SW1Y 5AA

 

Dear Sir/Madam,

 

I require you to remove all reference to my address and telephone numbers from your system immediately. Your company is continually making threatening and abusive calls to the numbers above in pursuit of a debt which they are well aware is not mine.

 

This constitutes criminal harrassment, as I have on several occasions explained that the person they are seeking does not live at this address, nor is he contactable by telephone at this address.

 

Please write to tell me that you have complied with my request. If you fail to do so, or the telephone calls persist, I shall have no option other than to seek to escalate the matter to the Information Commissioner's Office for your breach of the Data Protection Act, as you have no right to hold my personal information whatsoever. For the avoidance of doubt, the person you are chasing for a debt has no financial association with the address or telephone numbers that you are using.

 

I shall also report this matter to the Office of Fair Trading, as your company is acting in an appalling manner, and I have grave concerns regarding your company's fitness to hold a license. I also believe that I would have cause to report these activities to Trading Standards, and the Financial Ombudsman Service, as well as the Financial Services Authority.

 

No further warning will be given. In simple terms, either the harrassment stops, or I will report your company. And if those measure have no effect, I will seek redress through the courts.

 

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Please Help!!!

 

I have stumbled across this forum and i am in a dispute with HFO.

 

They have purchased a debt i owe to monument 2 years ago but have never sent proof.

i am in an arangement with monument and continue to send my monthly payment to monument.

last two letters (they dont have my phone number) i have recieved from HFO are confirmation of a monthly instalment plan dated 3 august

and letter of default dated 6 september recieved 22 september.

when i phoned HFO to find out meaning of default letter i was refered to Turnbull rutherford solicitors.

spoke to lady called diana nelson who said she would look into it and come back to me via mobile number i gave her. No response until court claim from wandsworth court from same diana nelson dated 27/09/07.

phoned diana nelson who said i had called her too late to stop court claim but just send back acceptance of the debt while she looked into problem.

I havent done this but i only have till monday to reply to court papers.

 

Please help.

Thank you.

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Please Help!!!

 

I have stumbled across this forum and i am in a dispute with HFO.

 

They have purchased a debt i owe to monument 2 years ago but have never sent proof.

i am in an arangement with monument and continue to send my monthly payment to monument.

last two letters (they dont have my phone number) i have recieved from HFO are confirmation of a monthly instalment plan dated 3 august

and letter of default dated 6 september recieved 22 september.

when i phoned HFO to find out meaning of default letter i was refered to Turnbull rutherford solicitors.

spoke to lady called diana nelson who said she would look into it and come back to me via mobile number i gave her. No response until court claim from wandsworth court from same diana nelson dated 27/09/07.

phoned diana nelson who said i had called her too late to stop court claim but just send back acceptance of the debt while she looked into problem.

I havent done this but i only have till monday to reply to court papers.

 

Please help.

Thank you.

Its time to send turnbullsh!t ratherbored a CCA.

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  • 1 month later...

Wow,

 

after 3.5 months i have finally received a CCA I requested ( i'm sure there is something wrong with that) and another 2 phone calls so far. i was right with them from the start because my signature is not the one that is one the form, so all i can think is someone as used my name to gain a creditcard. i Think now a phone call to the police is in order to report this matter, I think i am also going to offer them a settlement of £1 (to just go away really) should be intresting.

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yeah i just got off the phone with the police and they said that i arn't the victim and i will have to let barclaycard deal with the ploice, they gave me a crime ref and that was it (no helicopters, swat team or bobbies what a shame LOL). at least they will be off my case now.

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Hi we are new to this forum and very glad that we have found it as we are too having major problems of HFO. They are claiming that they have bought our debt of morgan stanley and the debt has now risen to nearly £2000 more than what is was originally..we have a debt management plan and have been making payments for nearly a year now and they are now saying that they will not deal with third parties ...i find this hard to believe and we have been told otherwise. They are also very abusive and makes threats and even called my partner a 'git' !! i have tried to complain to them when they rang and they have refused to give the guys surname who said this and wont tell me who they are regulated by...or they dont seem to understand what i am asking them!!! they seem to be from india.

all they keep sayng is that we are making problems for ourselfs and that they will send round a field investigation team to assess our assets??!! and add the costs to our debt!! threatening to toake us to court , although we have been paying off the balance through our debt management company.

Someone please help us and give us some advise! are these threats legal??

how do i really know they own the debt?? how do i comlpain? andcould they really take us to court although they have are financial statement?? any help very much appreciated !

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Hi this is my first post

I have just got off the phone to HFO, they have been chasing a debt which they bought from 3g the mobile phone company. My partner got a phone from them back in 2003 he then got into a dispute with them because the service was so bad and we wanted to cancel the contract. We had a complete nightmare could never get through to the right person and resorted to writing several letters which they never responded to. They didn't chase the debt the first we heard was when we got a letter fiom HFo which has been followed with lots of phone calls. They have now sent us a letter from their pre litigation team! The man I just spoke with was the 3g litigation manager, I said that we would not be paying anything until we had looked into our legal position he just laughed and said I wouldn't get anywhere and that he is going to call back on Monday evening and if we don't agree to pay he will pass it onto their solicitors. I was going to send the CCA letter does this still apply in this case or is that more for loans and credit cards? The thing is my partner is just in the throes of appying for a new job with a bank and a CCJ would really mess things up. Any advise would be appreciated.

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