http://i26.photobucket.com/albums/c112/wre001/img009.jpg Here we are!

Most perculiar - as my NoA say Capital, does that invalidate it? I presume they are covering themselves should it go to court - they can then "doctor" their paperwork!!

Just back off the phone, and the chap told me the account had been assigned to HFO SERVICES(!!!!!!!) on 7/8/2007, and he then went on to check whether I could have it in writing - I can!!

OK, I'll give it another go!!

I've already done that, broken arrow! B/Card confirmed the account had been assigned to HFOC and I was given the date - I've got it written down somewhere, as I said I haven't got written confirmation from them!

There's the link to what they've sent. I haven't done an SAR, brokenarrow - I will get onto that straight away. I've got the supposed NoA, HFO send out last year. It clearly states the the account had been assigned to HFOC, and this was confirmed following a phone call to B/Card earlier in the year. Unfortunately I haven't got written evidence that this is the case, but SAR will hopefully reveal it. As I said in a previous post, that I have recently had T&Cs from B/Card, but, they are clearly dated 03/00 (you will note the alleged account was opened in early 02/00) so they do not apply, and a page of PT which applied to the alleged account when it defaulted - 08/06. Unfortunately I made a payment to B/Card in Feb 2007, otherwise it would be 6 months closer to SB!!

http://i26.photobucket.com/albums/c112/wre001/img044-1.jpg

Well look who's crawled out of the woodwork!! This morning the post has just brought a letter from our friends at HFO services, the content is a copy of the Barclaycard application form I signed in 2000. To give them their due, it's a better copy than I got from B/Card themselves, but it's still illegible - no prescribed terms and no T&Cs. The covering letter tells me they have provided the documents I requested and to contact my "account mananger" to arrange payment! If anybody would like to see what they've sent, I'll post it up.

Foolishly I didn't, I wasn't as wise then!!

BTW, had dealings with HC before, with an old Next account. They claimed I had received judgement for a CCJ, and I was supposed to pay £50 per month. I paid the full amount within the 28days only to discover there was no CCJ, and that I had paid their supposed court fees and costs!! Stupid or what????

Well I didn't think it would be long.....!! I've got a letter from Howard Cohen supposedly from Lewis - Notice of Pending Legal Action!! OK, I presume they are collecting on behalf of Santander ex GE Money. Now I know the agreement is enforceable, I've got a copy, but, there's no DN, NoA, and I know the account is made up 2/3rds charges and PPI is still being added to the account, although I packed up working 3 years ago. Now, what I thought I would do is pay it, it's just over £300 and then claim the charges and PPI back from Santander, or, do CAGers think I should hang on for court papers - see if they are cosher, and then defend? The potential "costs" are an extra £80. From reading around the forum, it seems that HC cave in fairly quickly!! Any ideas, please?

Update: Sent them a letter telling them that they had already written and confirmed there was no CCA, a copy of that letter what enclosed, and to stop sending the begging letters! This is their reply: Thank you for your letter dated XXXX regarding the above account, I can confirm and advise the following:- The ruling in the case of McGuffick V RBS clarified the numerous interpretations of what is considered "enforecement". Should you want to view the judgement in it's entirety, it is easily accessible on the internet. The demanding of payment is not considered enforcement and purely a step prior to the commencement of proceedings, therefore your account will remain with our collections department for collection activity to continue. Whilst we may not be able to enforce the agreement, the monies remain outstanding. The agreement or any monies paid has not been made illegal or void because of our current failure to supply a copy of the original agreement. We are prevented from taking steps to enforce the credit agreement but the underlying obligation to repay, remains intact. The reporting of data to the credit reference agencies and related activities do not constitute enforcement for the purpose of the Consumer Credit Act 1974. Our agreement with the CRA, as well as the rules which govern the use and sharing of such information require Hillesden to report account level data this way, Under the Data Protection Act 1998, Hillesden must report accurate and up to date information at all times. As this account has been used and a debt has been incurred, this will be recorded to the CRA. Similiarly any payments made towards the account will also be reported. I trust the above information resolves the matter. Yous sincerely Blah blah So, I got this letter last month, and since then have had another begging letter - what can I do next, hit them with another letter - what do I say - or just ignore them?! Any ideas, please.

Sorry Mystic, it's a bit out of my depth - I only ever got an SD from Cabot and OH's account hasn't got that far - YET!!

Reported!!

I got a card through yesterdays post, delivered 2nd class, small brown window envelope, which says: "Please telephone 0870 751 3010 It is very important" Now, as I have no intention of phoning the number I presume this is a fishing trip?! The bottom of the card says Lewis Group, although you need a magnifying glass, and they're clearly after me for something - I have a fair idea what it is.!! Has anybody else had one of these, and what did they do about it?

This is definately an SD, you need to deal with this asap!!

No, Donkey. I've had no correspondence from HFO what so ever, and nothing from B/Card either!

Oh, right, so they have to pay today!! IMO I doubt whether they would got to the expense of a courier, it looks as if you're going to have to send the baillifs in - what a bummer!!

Very likely! Presumably the judge awarded the costs to paid paid within 14 days - it will be from the date on the judgement letter. If you got it last week, then I reckon they've got another week to pay!

Jayne, did you get a judgement letter from the court after your set aside? Why I ask is that, I had to chase the court up for the letter when I won mine - they had mislaid my file! When I eventually got the judgement, Morgans had 14 days from the date of that letter - it took about five weeks altogether, to give them their due, they did pay up promptly!

It is 18 days, the OP will need to get a move on!

Well, well, what do yer know - the international phone calls have stopped! MBNA - you're as guilty as hell!!

Thankfully I have!!

I really can't believe this! In Novemeber 2008, I had written confirmation from AE Locke at our Hillesden friends, that they were unable to obtain any documentation for an old Associates card I allegedly had in 1999. They returned my £1 (bearing in mind I CCA'd them in March 2007!) and told me I wouldn't hear from them again! Over the past month I've received two statements of alleged account from DLC, begging me to pay - idiots!! I just wondered, has anybody else got one of these, particularly after they were told the account was irrecoverable? Cheeky b***ers!

TYVM Lexis, The letter was signed by Gail Powell (Vice President:rolleyes:)!! I think this needs a follow up letter, and maybe a complaint to the ICO and FOS. I haven't had any further correspondence from Aegis, but there's still one or two international phone calls!