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HFO Services

Hi there, I have just received a letter of debt from HFO Services. This debt was over a credit card that was stolen years ago. I disputed the debt with the bank and was refused any help, so being at a very young age, I thought I only had one option which was to ask them for a repayment plan, where I started to pay off the debt. I then went overseas for a couple of years and continued paying off my repayment plan with the bank. Upon returning form overseas the debt was at only £200 remaining and I spoke to the bank saying I had no more money and didn't feel I should continue paying for this. I was informed the debt would be quashed and was thanked for my co operation. Now, 7 years later, and having been overseas again but been back for 2 years have now been sent a letter informing me I need to pay 5 times the amount that was "quashed". I don't know what to do, and have worked really hard to get my credit score back to a good one. Does anyone have any advice?

Comments

  • cjgoodsell
    cjgoodsell Posts: 246 Forumite
    LouiseEdy wrote: »
    Hi there, I have just received a letter of debt from HFO Services. This debt was over a credit card that was stolen years ago. I disputed the debt with the bank and was refused any help, so being at a very young age, I thought I only had one option which was to ask them for a repayment plan, where I started to pay off the debt. I then went overseas for a couple of years and continued paying off my repayment plan with the bank. Upon returning form overseas the debt was at only £200 remaining and I spoke to the bank saying I had no more money and didn't feel I should continue paying for this. I was informed the debt would be quashed and was thanked for my co operation. Now, 7 years later, and having been overseas again but been back for 2 years have now been sent a letter informing me I need to pay 5 times the amount that was "quashed". I don't know what to do, and have worked really hard to get my credit score back to a good one. Does anyone have any advice?

    I too have had problems with these guys which I have mentioned in the past and still ongoing.

    I have taken advice on here and another forum as they are chasing me for debt that isnt mine but gone quiet...

    I will happy bump this up for you so others with the better knowledge can help you!
    I like to think I can help but its for discussion purposes only so if I get it wrong please feel free to correct me.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Moved to it's own thread.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • RAS
    RAS Posts: 34,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Louise

    This debt is almost certainly statute barred, They can ask nicely if you would really really like to pay. And you can say no and they are required to stop all collection action.
    If you've have not made a mistake, you've made nothing
  • ladybez
    ladybez Posts: 474 Forumite
    Louise,
    There are several threads on this board about HFO services, it may be an idea to read hrough some of them to give you an idea of how to handle them. There is a letter somewhere on this site asking them to Prove that the debt is yours (search Prove It). May be worth sending it
    hth
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