Hi Peepo Sorry to hear about your situation and how it is making you feel, I really know what you are going through, been there myself. But, please do not allow these RATS to keep you down, turn it round and be a fighter, rather than them making you a victim of their antics. In time you will back on this as a winner by not allowing them to get to you. Keep your chin up and keep smiling . It only takes a smile to make a dark day seem bright. With the help on this site from the marvellous advice you will continue to get I am sure you will be in a much better position in the future. Kal

Hi Marj Send them this edit as needed, not familiar with your thread but this is a letter I sent off to HFO Account no: You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to your company. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Ever shed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I look forward to your reply. Yours faithfully Remember DO NOT SIGN, only print your name

In my opinion, everyone should give a donation If everyone on here donated even as little as £1, that would be a massive amount to go towards all the above named costs. SO LETS ALL DONATE NOW!!!!! If I can afford to donate in my position then everyone can. Kal

I would still like to donate, I will do so when I get where to send it to as I do not have account. Kal

Send them this but DO NOT sign it, only print name at bottom, only send by Postal Order DO NOT send cheques [your address] [their address] [DATE] Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name]

Hi Lab Unfortunately I an unable to advise on the legalities side of things, but I am going through exact same with HFO for an alleged 3G debt. I have been told all the same as you have, threats and all the lies. So you are not alone on this. I am sure someone will be along to advise you, but I hope you can take some comfort in the fact you not alone and you will get help on here. Keep smiling as it only takes a smile to make a dark day bright. Kal

I certainly will as no doubt I will need MORE advice on these fools at HFO I really cannot thank each and everyone who has helped me so far. Just wish I could donate to the site:( unfortunately I have no bank card so not able to sorry, unless anyone else knows another way I could possibly dontae!!!! Kal

Hi Jen Glad to see your still smiling, keep it up and don't let these fools beat you. I am in similar position with HFO just now but with help of many on here I WILL fight them til the end . I do panic also myself but soon as i come on here I feel much better. Let me know how things go with you. I have a thread on here titled Debt Help posted by Kalley66, have a read but get your coffee and put your feet up as it is a longggggggggg read LOL Will show you just how much I panic :o Good Luck Kal

As soon as I hear back from them, I will let you know if that's ok? I do not know anywhere else to turn to but I do not want to make a pest of myself either. Many Thanks again Kal

So I just send it as is and see what they come back with?

Thank you again Steve, much appreciated. So I just send it as is then see what they come back with? Kal

I have never received a default notice. This is first I have had any contact in 2.5 years

How do I go about complaining to HFO ST and MP? Does anyone have a template letter I could send please? Kal

Many thanks each and all, you have no idea what this means to me. I get so stressed with things easily. I shall post that letter set out by steven (thank you from the bottom of my heart). I will let you know what response I get from that. Kal

Thanks ODC, but I have not contacted 3G regarding this as HFO said it is them I contact as of now as they bought the debt. Should I contact 3G? Should I send a prove it letter? Should I send a letter asking for proof of assignment? Should I send a harassment letter? If you wish I can upload the letter I sent to HFO regarding this!! Then possibly you can advise me better? Sorry about all the ???? but I am really worried (suffer from MHP). Kal