Received letter from HFO Services at my parents address

Tryingtobefree_2

Thank you fatbelly, so would you also recommend sending CCA request and going along those lines?

thechippy

As per the others....

If it was a Citi debt, then the chances of them even having a cca will be remote and compliant, even less.
They can't get a ccj without a compliant agreement and with no agreement at all - no chance!

You have to watch hfo. If the debt is owned by hfo capital, they can't litigate as they are offshore. Services can't (shouldn't) litigate, as they don't own the debt.

A SAR would be useful in this case, as it will show any noa's and (should) show where the extra charges have come from.

If they DO take it to court, they will rely on the following;

1. You won't defend (they get judgement by default)
2. The judge won't realise that they have no right to litigate.

I've heard of cases where hfo have had cases thrown out by the judge purely because of the confusion over who actually owns the debt and has right of litigation.

fomirster

Services always litigate as they are assigned the debt from either HFO Capital or HFO services.
It's perfectly legal for HFO to litigate