📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

HFO Services claiming on wrong account number

Hi there, been lurking on here for a while, but my first post. Really hope someone can help me with this.

In June, I received a letter from HFO Services stating that I owe money on account X and due for immediate repayment. I responded with a template CCA letter and a Subject Access Request letter to Barclaycard.

In September I received a response from HFO Services saying the money is outstanding, and to contact them immediately to come to an arrangement. Attached to the header letter was a really poor quality photocopy of the signed credit agreement with Barclaycard, and a letter from Barclaycard regarding account Y (which is the same as the account number I actually have on my old statements). This letter states current credit limit on account is £0, and the current balance is £xxx. Due to the current status of the account the full outstanding amount is now due. Also attached is a copy of the Barclaycard conditions of account prior to it being transferred to their Recoveries Dept. HFO have basically put a cover letter on the paperwork forwarded from Barclaycard (which wasn't ever directly sent to myself).

All of the Barclaycard paperwork refers to Account Y (which is actually the account I had), but HFO are chasing payment for account X, which isn't an account I've ever owned. My question is does this contact from HFO count towards being inside the statutory six year limit seeing as the two letters I have state the wrong account number.

Also, HFO were asked to prove that they own the debt in the CCA, but I've received nothing at all to indicate that they have purchased the debt from Barclaycard.

Are there any experts that have encountered this before that could offer some advice please?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.