Sorry for being a pest but can anyone enlighten me on the above please? Scottygal

Thank you PG, what I wanted to know can they update your address if they wish to? I have never applied for credit in over 3years but this lot at HFO are making all sorts of threats "we will update your credit in order that others you are in debt with will contact you" "you haver a number of defaults on your file and we will contact your creditors letting them know where you are" Can they do this? I moved 3 years ago due to personal circumstances and somehow this lot traced me at a wrong address but the person gave me the letters from them, and to stop her receiving more mail for me, I did give HFO my present address, which they have been sending me letters to. Any thoughts on this anyone?#] Many Thanks

Good Afternoon Everyone Hope you all having a good day Could someone please help me with the following matter: Can just anyone update your CRA file or can it only be done by you? Many Thanks Scottygal

Hi All Is there anything I can do about the fact that 3 sent me the letter saying the ALLEGED debt has been assigned to them. In my eyes that is fraud. Is there an authority I can complain to about this and if so could you pass it on to me please? Any advice would be great. Scottygal

Hi Roo Just to let you know I am in exactly same situation as yourself with HFO and 3. Slight difference in circumstances though as I am disputing the amount because this alleged bill was ran up after I moved to an area with no network coverage. My point is that how can I possibly run up a bill when I never had coverage to do so???? I was thinking of making it a police matter, any advice? Scottygal

Yes when the debt has in fact been sold to them they have the legal right to ask for the payments but it is up to them to PROVE the fact the debt exists in first place and they have the legal right to it as in a letter of assignment from OC and sent to you. Sorry if I not much help but I'm sure someone will advise you better if I am wrong. My advice is only from what I have been reading up on in this site which I find is excellent. Gal

Hi Sweet I am unable to advise you, someone will be along who knows more than i know. Whatever you do DO NOT call these people or talk to them on phone. Do you recall any debt you have with anyone?

UPDATE!!! I received a letter in this morning allegedly from 3 but I question that as it had the Surrey post mark on envelope, so looks like HFO have draught this up themselves, does this happen? Contents say "your debt is now being managed by HFO services Ltd, you therefore need to pay balance of xxxx on your 3 mobile account excleusively to HFO services Ltd" How can I find out if it is from 3 or from HFO themselves? Thanks all

Thanks ODC, I really appreciate you taking the time to read my thread and reply, very kind of you. I will certainly do that and I will post any replies I get from HFO and come back if I need further assistance. Thanks again

Sorry if being impatient here, I do suffer from anxiety and it is really bad right now with all this going on, at my wits end. On the above matter: Could someone advise me on best way to dispute a) why I owe anything at all b) the amount owed not sure best way put it in writing to either 3 or HFO. Any help would be very much appreciated.

Thanks both kindly I never ever signed anything as this contract was all done by phone. They will have a record that I have paid all previous bills via DD from my bank account. Is this proof enough for them that this is my debt? Afterall they did send the bills in question. Should I still send the prove it letter? Could anyone help me on how to word stuff to send to them as I am totally useless in that dept, sorry. Sorry if being a nuisance but I really do not know where to turn about this. Gal

Good Afternoon All New to this so hope I have done this properly Could someone please advise me on what to do regarding the following matter. I have received letter in from a comp called HFO services in Surrey saying they want full payment for an alleged debt with 3 network. I was not aware of any debt as I cancelled this 3 years ago as no signal was available where I moved to. My bills were roughly between £15-£25 per month. Now 3 years later I have received this in saying I owed £209 for 1months bill. How come this has been run up after the date I asked this to be cancelled from? A big diff between average of £20 to £209. They have sent the bill to me saying they now own this debt and will be pursuing me for it. I do not know what to do, firstly I contest the amount, secondly I have no idea why this has arisen when I cancelled it. I would really appreciate it if someone could advise me on what to do, who to contact to dispute amount and cancellation. Gal