HFO Services HELP please.

scott_ey

So there is no need to send them another letter just yet, wait to see their response from the Prove It letter they received on Friday?

While I am waiting knock up some letters of complaints to the outlined organisations.

FTW

scott_ey wrote: »

So there is no need to send them another letter just yet, wait to see their response from the Prove It letter they received on Friday?

While I am waiting knock up some letters of complaints to the outlined organisations.

If you've only just sent the Prove It letter which you know they got Friday, and their letter is dated yesterday, then they've had at least two working days before choosing to send their next one out.

That can be read as attempting to sidestep your own letter - since there's no way they couldn't have read what you'd sent them.

Some people still send cash in the post, postal orders or cheques - take it from me that DCA post gets opened as soon as it's received at their end.

For the time being, you've done your part. Wait and see what HFO comes back with.

scott_ey

Hello again people,

Just an update and a little advice needed again.

I have just got home again today to fine another letter from HFO, this one called 'Schedule Of Litigation'

It lists an action timeline of what they are going today, attached to that is a list of court costs again from what looks like a HMCS document and also a HFO list of costs in bright red.

Is this anything to worry about or is it just another automated letter.

Its been 3 weeks since i sent the prove it letter and still have had no response to that.

Should i just wait it out or send a reminder, or anything like that?

Thanks

nottoolate

just the next in their standard list of threat letters

Culex

scott_ey wrote: »

The letter goes onto say that;
‘our solicitors will issue a CCJ against you and i will be responsible for legal fees’

I wonder when that simplification of civil law was introduced, whereby a claimant's solicitors could bypass the usual CPR and issue a CCJ directly.

FTW

scott_ey wrote: »

Hello again people,

Just an update and a little advice needed again.

I have just got home again today to fine another letter from HFO, this one called 'Schedule Of Litigation'

It lists an action timeline of what they are going today, attached to that is a list of court costs again from what looks like a HMCS document and also a HFO list of costs in bright red.

Is this anything to worry about or is it just another automated letter.

Its been 3 weeks since i sent the prove it letter and still have had no response to that.

Should i just wait it out or send a reminder, or anything like that?

Thanks

Begin making complaints to submit to the OFT, the FOS and Consumer Direct - they're trying it on.

Type the details of the complaint first, and keep a copy of it available (so you don't have keep typing it up every time), since most of the essential details will be identical.

Then keep drafting new complaints each and every time HFO so much as contacts you.

This will incur cost and wasted time to HFO, and eventually, they'll go away when they realise they'll get nowhere with you.

ElasticKorma

Hi, I have been following this thread as I too have received exactly the same letters more or less on the same days as you. I received the latest litigation letter this morning. i did not open it but you can see the nice bright blue bold writing they chose to headline the letter. Apparently it's for a barclaycard debt from may 2004, from which I originally owed £200 but has now reached a rather impressive amount of £1200, I am not sure how. I am choosing to ignore the letters at the moment. I certainly do not want to let them worry me. I will consider sending them a "prove it" letter but from what I've read they aren't responding to them anyway.

scott_ey

Hello again people, not received anything off HFO for nearly 3 weeks now, so hopefully they have now found and read the prove it letter I sent a good while ago.

Although I have not had anything off them letter wise in the last 3 weeks, I have logged into my Equifax account and viewed my credit report to find that HFO have added a credit default on there dating back to 2007, with just a big red D on there for May of that year and no other months. This was not on there about 7-8 weeks ago when I last checked. Can they or are they actually allowed to do this!!!

Thanks in advance

cjgoodsell

I thought and someone can clarify this that only the company you actually "owed" the money to could put the default on there. I have heard that when a debt is bought sometimes that transfers over to that company but not sure!

scott_ey

I have just been reading through a couple of other forums where by the same thing has happened, from what i can gather, once the original debt has dropped off your credit file (the original barclaycard debt has), then the same debt cannot be re-applied even if sold on.

Can anyone clarify if this is correct and if so how do i go about correcting this.

Thanks again