Hfo chasing me help wanted please!

RAS

Good

double check equifax and maybe call credit.

The thing is if the default is not your your credit record, then it was more than 6 years ago. So unless you made a more recent payment, it would be SB. If the debt is yours and was statute barred when you paid them, it remains statute barred even if you make a payment. But you cannot reclaim the money from them.

If the debt was not statute barred, then making a payment or written acknowledgement by you re-sets the clock.

It sounds however, as if this debt was never yours in the first place?

RAS

birdie49 wrote: »

My son has also been contacted by HFO some weeks ago, i was put on the phone to speak to them as he was getting really angry, i told them again that he has never had a Barcley card but they refused to listen saying was his debt, they quoted addresses we had never heard of stating he had lived there. was on the phone for over 1 hour ! Didnt hear a thing till today when my son who has moved in with me went to his old flat and got his mail, he had 3 letters from HFO, all three were threatening court action, all three had a different amounts owing ! and all three had a discrepancy with the address !! One even said baliffs would be calling to remove goods but never heard of the address !!! Should i write to them ? Appreciate any advice . .

birdie

please start your own thread - click new thread button on the front page of the forum.

stew1981

RAS wrote: »

Good

double check equifax and maybe call credit.

The thing is if the default is not your your credit record, then it was more than 6 years ago. So unless you made a more recent payment, it would be SB. If the debt is yours and was statute barred when you paid them, it remains statute barred even if you make a payment. But you cannot reclaim the money from them.

If the debt was not statute barred, then making a payment or written acknowledgement by you re-sets the clock.

It sounds however, as if this debt was never yours in the first place?

Thanks

So a telephone conversation cannot reset the clock?

RAS

stew1981 wrote: »

Thanks

So a telephone conversation cannot reset the clock?

Despite what the DCas tell people it has to be written acknowledgement by the debtor (not letters from the creditor) or a payment. Having arranged a payment, you might be on a sticky wicket but I am going to guess that the last contact in October 2005 was from the DCA to ther debtor, who may or may not be you.

As other said, send a CCA request, which requires them to provide proof of the original debt agreement, to find out if it is your debt.

stew1981

RAS wrote: »

Despite what the DCas tell people it has to be written acknowledgement by the debtor (not letters from the creditor) or a payment. Having arranged a payment, you might be on a sticky wicket but I am going to guess that the last contact in October 2005 was from the DCA to ther debtor, who may or may not be you.

As other said, send a CCA request, which requires them to provide proof of the original debt agreement, to find out if it is your debt.

i have just double checked my credit report with callcredit. In the accounts section there is no sign of Barclaycard but in linked address there is this:-

From:
3 blanked out my prev address.
To:
34 my old street address.
Most Recent Source of Link:BarclaycardLast Confirmation Date:01/04/2005Earliest Confirmation Date:01/04/2005

From this does it mean that it was SB on the 1st april this year and they lied about oct??

RAS

stew1981 wrote: »

i have just double checked my credit report with callcredit. In the accounts section there is no sign of Barclaycard but in linked address there is this:-

From:
3 blanked out my prev address.
To:
34 my old street address.
Most Recent Source of Link:BarclaycardLast Confirmation Date:01/04/2005Earliest Confirmation Date:01/04/2005

From this does it mean that it was SB on the 1st april this year and they lied about oct??

No

That means that in April 2005 someone linked you to a Barclay card. Whether or not that account actually belonged to you is another matter.

stew1981

RAS wrote: »

No

That means that in April 2005 someone linked you to a Barclay card. Whether or not that account actually belonged to you is another matter.

But other than that link there is no sign of Barclaycard at all on experian or call credit.

RAS

Givern how old it is, that record will drop off in the next few weeks anyway.

Who registered that connection?

stew1981

RAS wrote: »

Givern how old it is, that record will drop off in the next few weeks anyway.

Who registered that connection?

It says it was Barclaycard.

RAS

OK

print that record off and keep it, because you need proof.

Write to Barclaycard data Compliance Officer and ask for evidence that this is your card.