HFO Services HELP please.

phil80

It is just scare tactics they know that it is coming upto the 6 year statue barred date and are trying to put pressure onto you by using threats.

Bailiffs will not turn up at your home unless you break a court order which you clearly have not.

Just send them the prove it letter in the post recorded and see what they come back with. It is more than likely that they will not have the correct paperwork from Barclays to enforce payment of any debt in court.

scott_ey

Hello again all

Just wanted a little advice on what to do next.

I sent the prove it letter a week ago today VIA recoded delivery and HFO received the letter on Friday, signed and confirmed on the Royal Mail website.

But today i have received another mail dated the 29th with ’72 Hour Notice of Litigation’ written in bright red bold size 72 font at the top.

The letter goes onto say that;
‘I am refusing to pay my debt’
‘the balance of my debt will continue to increase’
‘warning me that if i don’t contact them within 72 hours my debt will be passed onto their solicitors’
‘our solicitors will issue a CCJ against you and i will be responsible for legal fees’

Again it goes on telling me to contact them within 72 hours.

Also they have attached a direct debit form for me to fill in (do they think I’m that stupid)
It then has attached a HMC document ‘ I cannot pay my judgement – what do i do’ listing what i should do.

Not sure what the next step is, do i write to them again asking them to refer to the prove it letter they received on Friday?

Any help would be greatly appreciated.

Thanks

thechippy

Have they ever sent you an NOA (notice of assignment)?

They are dodgy sods at the best of times - including thier noa's....:D

scott_ey

Yes Chippy, i got the NOA letter, followed by a letter threatening court action, then the letter on the last post.

In-between the last 2 letters i sent the prove it letter which they got on Friday.

thechippy

Did the noa say hfo services or capital?

scott_ey

Just want to know if i should play the waiting game to see if they send me a response to my Prove It letter, or send them i reminder telling them i am awaiting their response :eek:

FTW

scott_ey wrote: »

Just to fill in what’s happened since last Friday when i received the 1st letter, i received another letter on Friday, only 5 working days later. DCA letters follow a process whereby if no reaction has been received, another letter automatically goes out (one gradually more 'threatening' in tone). Par for the course.

This time the letter outlines that they have tried to contact me SEVERAL times recently and assuring they want to help me. Again, automated process - the statement means nothing.

It goes onto say ‘you have made payments in the past and it is unlikely that you will be able to make a credible defence to legal action’ Very presumptuous of them, and not for them to make statements like that. Report this to the OFT - this is attempted intimidation. Make complaints to the Financial Ombudsman Service and Consumer Direct as well.

It then goes onto a section about a CCJ, highlighting in bold COUNTY COURT BAILIFFS WILL VISIT MY ADDRESS and seize my assets. If it says 'Will' and not 'May', see my previous point. The word 'will' transforms the sentence into a clear rather than implied threat.

Attached to the letter are 8 pages of costs that i will incur if the matter is taken to court. Wouldn't be for them to say even if it did go to court - a judge would decide what costs to award, and not them.

Firstly with this, they state that they have tried to contact me several times recently, the 1st contact made in roughly 5 years was made last Friday and only 5 working days later they are saying that counts as several. Mmmmm..... Again, automated letter.

Then claiming i wouldn’t be able to make a credible defence, I will be the judge of that. And also a judge - but certainly not HFO.

Threatening me with a CCJ and Bailiffs, presuming they are just trying to scare me into calling them. That's exactly what they're trying to do.

And the attached court costs, another scare tactic I’m presuming. Yep. One that merits complaint.

I haven’t sent the Prove it letter yet as it’s only been 5 working days since 1st contact. I shouldn’t be worrying about this letter should I? I just looks like its scare tactics, but it’s never good to receive one of these threatening letters. Follow the process as previously advised.

Thanks

Prove It letter should go first - if you've not already sent it (I haven't looked through the whole thread, so apologies if this has already all been said).

Then, if another letter needs to go out, it should be the Statute Barred letter. Remember that it would be up to HFO to prove it's not statute barred - not for you to prove that it is.

FTW

scott_ey wrote: »

Hello again all

Just wanted a little advice on what to do next.

I sent the prove it letter a week ago today VIA recoded delivery and HFO received the letter on Friday, signed and confirmed on the Royal Mail website.

But today i have received another mail dated the 29th with ’72 Hour Notice of Litigation’ written in bright red bold size 72 font at the top.

The letter goes onto say that;
‘I am refusing to pay my debt’
‘the balance of my debt will continue to increase’
‘warning me that if i don’t contact them within 72 hours my debt will be passed onto their solicitors’
‘our solicitors will issue a CCJ against you and i will be responsible for legal fees’

Again it goes on telling me to contact them within 72 hours.

Also they have attached a direct debit form for me to fill in (do they think I’m that stupid)
It then has attached a HMC document ‘ I cannot pay my judgement – what do i do’ listing what i should do.

Not sure what the next step is, do i write to them again asking them to refer to the prove it letter they received on Friday?

Any help would be greatly appreciated.

Thanks

The letter you've just received - this also merits an OFT/FOS/Consumer Direct complaint - but it should be done as a separate complaint.

That way, HFO have to contend with two complaints instead of just one.

It's worth noting that if the FOS takes up a complaint and investigates, then the FOS - regardless if it comes down on your side or HFO's - will bill HFO £500 for the privilege.

scott_ey

Only just seen you had nipped in with a new post Chippy.

All 3 letters services.

FTW

scott_ey wrote: »

Just want to know if i should play the waiting game to see if they send me a response to my Prove It letter, or send them i reminder telling them i am awaiting their response :eek:

Even if HFO were crassly stupid enough to go to court, you've sent them a letter putting them to strict proof to prove the debt - and have proof of receipt to evidence the fact.

A court would look very dimly on HFO for ignoring such a letter - and I daresay a judge would also not be at all pleased to see HFO's presumptuous wording on the first letter you got.