Barclays sold debt to HFO - HFO charging Interest?

gazfocus

I have a debt from an old Barclaycard which has now been sold on to HFO Debt Collection Agency. Barclaycard have finally removed their default and so now I have one from HFO. However, I have a couple of questions.

My credit file from 9 months ago stated I owe HFO £369 whereas my current credit file (received yesterday) says I owe them £401. Could the be charging me interest and if so, are they allowed to?

Is there any chance that this debt could be unenforceable because I've never signed a credit agreement with HFO but I don't know if its usual for Barclaycard to sell on the credit agreement with the debt?

Thanks in advance

DarkConvict

If they sell on the debt you don't have to sign anything, the original credit agreement will carry on over.

If the original terms of the credit agreement stated that interest could be charged if the account was sold, and that the interest is being charged at the same amount it was at when sold, then yes they can charge it.
Did you keep your original terms and conditions, if so read them.

Otherwise you are probably going to need to send HFO a CCA request to see if the debt is enforceable - http://forums.moneysavingexpert.com/showthread.html?p=26867731#post26867731