Hi P/O No there is nothing at the side. It does say on the statement that has the debt sale that the closing balance is £4332.41.....it then says Debt Sale credit adjustment £4332.41 CR and shows the balance as £0.00 ........................... lol do you think HFO or whoever bought the it paid of my debt...

Mmmmmm I have just been going through the statements and I am rather confused to say the least. The first statement is from 12/03/2005 and goes through to 13/07/2006......................It says on the all that the due date for payment is 13/07/2003. Then I have a statement showing 12 payments of £30 to Credit Solutions these are from 25/02/2006 to 26/02/2007...................after this there is statements showing just the outstanding balance until 04/02/2008 when it says DEBT SALE but it doesnt say who the debt was sold to. I am baffled by this, any ideas anyone?? tracy.

Good Morning. I have today received the information from my SAR request to BC. Please can you tell me exactly what I should receive within this request. All I have received is statements for the years until it was passed to the DCA. Is this what it should be or should there be all the other documentation such as CCA, Default notice etc. If so what should be my next action........I have heard nothing else from the HFO. Thank you for any advice.

Lol.....it was priceless......coledog its the follow up letter for my CCA request as the one i got was the application form.

Just had a call from HFO. He said "Mrs. ......I think it is shameful that you are asking for this letter. You should be ashamed of yourself!!!!!!!.......I said can u put that in writing please and hung up.......cheeky barstewards.

Thank you for your quick reply. Your time is most appreciated.

Hi. SAR sent to BC. (the OC was Morgan Stanley, am I right in thinking BC have taken them over????) and letter from Priority one (as above) sent to HFO. I have today received a Schedule of Litigation from HFO with the EX50 attached. Is this the usual threatogram?? have been looking at other threads and it does seem so. Soooo what is my next move. Can they do anything as I am waiting for all the info to come back. Thank you for any advice. Tracy. x

Had a look at the link that priority one has done onCPUTR.......baffled to say the least. So i will SAR barclaycard. Thanks once again. X

Thanks for that....So just to clarify . Do I send a SAR to Morgan Stanley....and I will send a letter of as per link but I am unsure what to put about the CPUTR, is there a template please. Its something I have little knowledge of and dont want to mess up by wording it wrong....going back onto other posts to see what I can find about it. Regards Tracy:-)

Thanks. Will send letter off. Should I SAR them just to see what they have. Been reading the link on CPUTR but its difficult to take in first time. I just think I know what im doing then Im not so sure right back to the night shift thank u again. X

Right today received a letter from HFO with a copy of requested CCA. It is the very same document that I got back from Morgan Stanley and uploaded (post 64). Even letters from them are almost rude " As we have provided the documentation you requested, now contact your account manager" Soooo do I fire off a letter saying that this is no more than an application form or because they have the copy is it classed as an agreement. They both state this is a Credit Agreement regulated by the CCA 1974. Sign it only if you want to be legally bound by its terms. Thank you for your help.

Hi Today received a 72 Hour Notice of Litigation. It says it has become clear that I am not willing to pay my debt!!!!!. I have been paying them for over 2 years. Please can I ask if I should be worried by this? I am still awaiting to see what they will come back with after my CCA request. Regards Tracyd

Never had anything from them for over 2 years. It does make me gloat a little when they try to get u to answer them. ;-)

I have started to log the calls as well.

The person sounded very indian. The number was 0442030249641.