help for my son **WON**

[debt_mountain]

if you think the chrges will be more than the amount they are claiming you can put the account in dispute and stop paying or just pay a token £1 per month.

[debt_mountain]

Leaving it a s 1 thread should be ok at the moment, if it grows then you canask to have it split.

[debt_mountain]

Hi Folks hope someone can help me with this dont seemto be having much joy here as I said in the above posts I am taking on barclaycard for my son I have sent a S A R letter to them. The problem is they passed it on to H F O services I sent them account in dispute letter and a copy of the S A R letter that I sent to barclaycard, Ialso sent them a C C A letter with a £1 postal order.

I received a letter today from Turnbull Rutherford Solicitors.

 

Dear Sir

 

re HFO Services Limited

 

we write to acknowledge safe receipt of your letter address to HFO services which has been passed to us to deal with.

We have today requested a copy of the signed agreement from our client and this will be forwarded to you with other documents you have requested in due course. Due to high demaand we have been advised by our client that there is an eight week delay

yours faithfully

 

the advise I need is do I reply to this letter now or do I wait and send a letter if they do not comply with th C C A letter which gives them 12 days +2 to reply to me.

 

A THANK YOU IN ADVANCE FROM A VERY WORRIED MUM

 

 

 

 

 

 

 

You do nothing, they have confirmed your letter so the clock is ticking. When 12 days + 1 month has passed you still do nothing.

 

They will then be required to take your son to court to request permision to chase the debt. they must then provide the court with the agreements and any T/C they rely on.

 

The agreement must be legible and signed in all the correct places.

 

Is it being collected on behalf of Barclaycard or do HFO own the debt?

 

If they have bought it they probably paid around 10% of it value to Barclaycard so depending on the amount they may just write it off.

 

Have fun.

[debt_mountain]

Hi Debt Mountain,

Thanks for your help H.F.O. said they bought the debt from barclaycard, I will just leave it as it is then and hope for the best.

 

Thanks again rae may

so they paid around £20 for it. I don't think they would goto court for that. Is there any damage done to his credit file because of it? a default etc.

 

If they have filed it it may be worth seeing if they have an agreement. If not you should sue them for the damage there incorrect sharing of his data has done.

 

If there is no agreement then there is no evidence that they have his permission to share his personal data. No permission means don't share.

 

I have a few threads on Cabot and blackhorse where I am currently doing this with some success. Just follow the link in my signature for info.

 

Feel free to ask me any questions.

 

DM

[debt_mountain]

send the £2 fee to eah of the CRAs and see if they have done any damage. I an get the addresses if you need them, Equifax, Callcredit & Experian they will all be .co.uk i you want to see their websites.

[debt_mountain]

CRAs are credit reference agencies and T/C are terms and conditions.