How much can a debt collector add to a debt?

dingobat1

tedsd wrote: »

Just googled HFO and it seems they have many aliases (can't spell that) and have attracted the attention of the local trading standards office who allegedly have 2 members of staff dedicated to dealing with them... sound well dodgy to me.

couldnt tell me the names of those people could you ? just raised OFT case and want to make sure it lands on their desk!

Fribourg

CCA Dispute letter sent today, it's now time to wait and see what else will they come up with.

Fribourg

UPDATE 18/11/10

I recieved yesterday the letter you can see on the link, so I start to think that these people are a bit of a joke. Any comments are really welcome.

http://i1237.photobucket.com/albums/ff471/Fribourg/hfolett161110dedi.jpg

forgotmyname

I have had many letters off them in the past, Threats to send people round to collect money.

Just stumbled across this thread and made me smile, I received a letter a couple of weeks ago from HFO
telling me they have bought my debt from Barclaycard and will be charging interest from the date Barclaycard
put a default on the account. Are they allowed to charge interest on something they did not own?

I have not checked my credit file & dont want to waste money i cannot afford signing up to check it, I had used
it many years ago on the fee trial so i doubt i could do that again.

They have analysed my credit report and have come to the conclusion i have sufficient means to pay them. Quite how they
managed that is a surprise to me. Had to raid the penny jar to scrape enough money to replace my faulty kettle.

Lots of maybe's and might's in the letter, We may pass this matter onto a solictor who may sue me and take money i
dont have?

They want my finances for the past 3 years and if i tell lies a court may take a dim view of it. I like the bit about once we
pass this onto a solictor they will not help me further.

Still a while off yet before it is statutory barred, I think i spelt that correctly?

What would happen if they did take me to court? I have nothing to offer, They have offered me a payment plan
£208 a month for 24 months or £117 for 60 months. I presume if the court said i could afford £100 a month (highly unlikely)
then they would also have to split that between all my other creditors? yes/no?

What a mess.

Fribourg

UPDATE 09.12.10

Today received the following letter

http://i1237.photobucket.com/albums/ff471/Fribourg/hfo091210.jpg

Now, obviously they do not care about this being in dispute since july, I did send the CCA request, the reminder and then the dispute letter.

No Idea on what to do next, any advise would be really appreciated, so to all the experts around here, please let me know what I should do next??

Heyman_2

Didn't wanna read and run....

Looks like they're hoping you've forgotten about your CCA request and are hoping to scare you into making payment once again! I would guess that without a CCA, they won't be taking you to court, but maybe someone could give a more informed opinion?

DVardysShadow

Just write back and list the correspondence and dates which they have not responded to and tell them that litigation is premature. Keep a copy. Basically, they are supposed to clear the decks of outstanding correspondence before taking you to court.

Fribourg

DVardysShadow wrote: »

Just write back and list the correspondence and dates which they have not responded to and tell them that litigation is premature. Keep a copy. Basically, they are supposed to clear the decks of outstanding correspondence before taking you to court.

Thanks, will do tomorrow, will see what they come up with afterwards

thechippy

Have you sent a SAR yet?

Might also be worth sending a cpr 31.16 request as they are threatening court action.

Both the above could show who owns the debt. It's services that are chasing, but it wouldn't surprise me if it's owned by capital - therefore services would have no right to litigate....

thechippy

forgotmyname wrote: »

I have had many letters off them in the past, Threats to send people round to collect money.

Just stumbled across this thread and made me smile, I received a letter a couple of weeks ago from HFO
telling me they have bought my debt from Barclaycard and will be charging interest from the date Barclaycard
put a default on the account. Are they allowed to charge interest on something they did not own?

I have not checked my credit file & dont want to waste money i cannot afford signing up to check it, I had used
it many years ago on the fee trial so i doubt i could do that again.

They have analysed my credit report and have come to the conclusion i have sufficient means to pay them. Quite how they
managed that is a surprise to me. Had to raid the penny jar to scrape enough money to replace my faulty kettle.

Lots of maybe's and might's in the letter, We may pass this matter onto a solictor who may sue me and take money i
dont have?

They want my finances for the past 3 years and if i tell lies a court may take a dim view of it. I like the bit about once we
pass this onto a solictor they will not help me further.

Still a while off yet before it is statutory barred, I think i spelt that correctly?

What would happen if they did take me to court? I have nothing to offer, They have offered me a payment plan
£208 a month for 24 months or £117 for 60 months. I presume if the court said i could afford £100 a month (highly unlikely)
then they would also have to split that between all my other creditors? yes/no?

What a mess.

Hiya,

Might be best to start your own thread on this, then the two won't get confused...;)