Many thanks donkey, but the number on that site still does not match numbers I have been receiving calls from Numbers are 0091968311 and 0091968312. I do think it is something do with HFO as they only fools with my current mobile number. Scotty

Hi Wino Much same as myself, only I was not married to the control freak. It was all in my name. Now I am in a situation I simply cannot afford payments. My outgoings are more than my income and that is just to live. I am a working single parent just keeping herself afloat so I am lost as what to do. Anyone any suggestions? I have not been in contact with the bank since I moved to get away from the whole situation. Silly I know but I was terrified to say the least. Took all the courage I had to get away from him. Thanks

Hi All I was a single parent on benefits yet the bank allowed me a loan of £11,000. The loan was taken out under duress, pressure from controlling boyfriend at time. I never seen much of the money as he basically had control. Foolish I know but I was in a terrible situation I am now thankfully out of. So why the bank allowed me into so much debt in my situation I will never know. Is it possible to use this in negotiations? Many Thanks

Thing is gni, I,m afraid to answer as I can be a right cheeky bugga to folks who P me off LOL Yes I am with a different provider but they cannot pass on my details as the phone is not in my name LOL. Believe it or not, I have had no calls today so perhaps a letter will be dropping through my door in the morning.

Well done WE all love to see them being kicked where it hurts for a change LOL

Hi gni If it is 3 Network themselves then HFO have passed on my number without my permission, is that allowed? I only got my present mobile number few months ago.

Thank you so much ODC. I was thinking of just waiting as eventually they will have to correspond by letter as I totally refuse to answer calls from them . I have logged ever single call they have made since contacting me back in may, both answered and unanswered are currently totalling 16. Sent them the harassment letter but they also ignore that. They seem to think they are a law unto themselves. Thanks to everyone advice on here I now know different.

Thanks gni, I am being hounded terribly by HFO, had all sorts of threats. I have lettered them on 3 occasions but they ignore every issue I raise. Just keep trying to call me. Do you think they could possibly have sent original debt back to 3 or could this be HFO themselves? Because ever time they call me it ia Indian speaking people who I can barely understand. That is something coming from a scot LOL

Good Morning All Hope you are all well Could someone please tell me who I should send my SAR request to, HFO as they said they bought the debt (which I have seen no proof of) or 3 network? Also I have been contacted on number of occasions but I do not answer as I have told them IN WRITING ONLY but they ignore this totally. Now I am getting constant calls from another number which I do not recognise. Could anyone please tell me if they recognise it, number is 0091968311 and 0091968311. I think it is some sort of link to HFO????????? Thanks

Hi Dipply I cannot thank you enough doll, my head is all over the place trying to sort this mess out. Just noticed your lo from sunny scottyland. I will get tht letter off to them tomorrow and see what they come bak with. Probably still try call me . I will do much same as yourself, hopefully be in a position further down the line to help others out, give me great pleasure to do so. When I am thinking straight I do take things in very easly, just not at this time in my life. I will certainly let you know all that happens nd no doubt be back for more advice. Keep Smiling Dipply knowing the fact that you ahve made me feel bit better just by helping me. Scotty

OOps never seen that from you til after I posted the letter LOL. I would go down the CCA route then. These DCA scumbags are making living out of threatening an intimidting people such as ourselves. Let me know which route you choose to go down. GOOD LUCK

Does not matter that you are paying it off, you can stop payments at any time if they do not produce a proper CCA. Forgot to say that when you send request for CCA always enclose a £1 PO, never use personal cheques. Below is your harrsment letter, get that off to HFO right away. If any of your debts fall into the CCA, such as credit cards, catalogues, loans, then you should CCA everyone of them, then take it from there. You can always come back on here get more expert advice (I am no expert, only giving you advice I have received and it i working for me) Your Street Town City Postcode DATE HERE Company Name Road Town City / County Postcode Dear Sirs Harassment by telephone FORMAL COMPLAINT UNDER THE CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE Account Number: XXXXXXX I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Please treat this also as a formal complaint, and send me a copy of your company complaints procedure. Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**) Yours faithfully, [NAME HERE] (type don't sign)

DCA need to have the debt assigned to them or bought the debt from OC for them to have LEGAL right to collect, they could only be acting on behalf of the OC, bsically pushing their luck. BTW send the above letter by registered post so they have to sign for it, NEVER hand sign at bottom, only type name. Also send them a harrasment letter which I will get for you in a sec.

Send them the letter below KC, it may even turn out they have no LEGAL right to collect. Decision is yours really. If they cant produce the CCA then the debt becomes unenforceable. Edit to suit. 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Mr A N Other

Not such a thing as a nice DCA as you will soon find out on here. Why don't you CCA them? that way you can find out if the debt is enforceable and also find out if they actually have a LEGAL right to collect it.

Hi KC May I ask what the debt is for and do they actually have the LEGAL right to collect it from you? I am going through much same hell with HFO but I am determined not to give into their bully tactis. Scotty

Many thanks Dipply. Trying my best not to let them get to me, just getting me down at mo. I have been reading threads and yes a lot of people getting hassle from them rats. Most people not as stupid as me though, as in not able to put things in writing to them to make it sound good. I know the points I have to make but lost as to what to put in letter. IF I got them on phone I would know exactly what to say, but not going to be silly enough to phone them Thanks again Dipply for taking time to reply to me. Scotty

Any advise or help with the issues in above thread please?

In my experience even sending back not at this address does nothing, they still send letters out. I am being harrassed by HFO but I will fight them til the end.

Send it back with not at this address on it LOL

Not confused me at all dipply, thank you once again. I just wish I knew how to do all this in a letter, not very good with things you see . Sadly I am off work today due to the stress this whole scenario is putting me under. So perhaps I will try draft a letter up to send, probably take me all day lol. I really do apprecite your help so far. How do I get a copy of my credit file? never done that before. Would it mean I have to give them my previous address? Scotty

Thank you very much noggsy, will do when not in work

Could anyone enlighten me if the show on BBC last night is to be repeated anywhere as I would just love to see it

No Dipply all dated early 2006 but up in Scotland, where I moved from. I really do not know if they have searched my credit file not clued up on all this sorry. I still do not recall signing any contract, all done over phone. They have produced an oustanding bill but it is way out and AFTER I had cancelled contract due to moving to area with no network coveragel. So how can I possibly run up a bill when there was no network coverage, hence the cancellation?

Thank you so much Dip, I was led to believe that mobile contracts do not come under CCA. I have sent them the letter ONLY IN WRITING to which they obviously not adhering to. I do bot even recall signing anything as it was all done via telephone.