How old is this account, and is the £50 added each month interest, admin charges, etc.

This has become 'a common' problem over the passed few weeks, and it would appear that HFO have 'discovered' these debts all of a sudden. There are hundreds, perhaps even thousand in the same situation, as I am myself and, as you say they completely ignore any letters you write. There are several Caggers who give excellent advice on this situation, and they will be along soon. Some information that would help When were these accounts defaulted, and how long ago did you make the last payment.

If this was in your name, then they will not in any way be 'interested' in contacting your daughter. When did you send the SAR and was it recorded - they have 40 days in which to respond so my advice would be to not spend a further £10. So long as you have proof of the date they received your request, then sit tight and wait. With regard to the telephone calls etc. you can send Lowell/Red (Red is just the next desk along in the offices of Lowell) the harrassment letter if this is troubling you: http://www.consumeractiongroup.co.uk...esponse-letter You could actually add to that letter that the Account is 'on hold' as you have requested a SAR from Cap 1. As you have found already, 'haste' is not an option when dealing with those in this 'industry'. Pesue the Statute Barred course as proof of this would kill this stone dead.

Or, you could try a pre-payment card which will receive 'incoming' funds. http://www.mycashplus.co.uk/offers/cashplus/tabs/default.aspx

I can and will do a very good "distraught", well if it were not for CAG and all the recent threads on this very subject, and the advice to complain, I would be extremely distressed by their methods and threats.

Have a letter from local trading standards, via my Consumer Direct complaint and I have to take all paperwork regarding HFO into their offices on Tuesday. Oh, and by the way carry on Frankie baiting - I'm loving it!!

Good luck with that! Halifax (in my personal experience) never listen and will probably do it on someone elses' account anyway, always doing things on my old account that was not asked for, or indeed not even meant for me!!

You could try a note of correction for your credit files, but as most applications for credit are done 'electronically' these are rarely read or taken into account.

As above, and also unless you have their Agreement in writing that they will accept this in two payments, you have not met the requirements of their letter, so, in their world you have only paid an installment of £300, so they will resort to attempting to collect the whole balance, and they have, I believe six further years now that you have 'admitted' the debt, and re-started the SB clock, that is unless there is a clear period of 6 years prior to their letter that no payments were made.

You will be missed - good luck with whatever is occurring HS

http://www.oft.gov.uk/shared_oft/bus...it/OFT1272.pdf

Their threat monkey in India though he would 'beat' my True Call the other day and used a different number, and he said on his 'whisper' straight in with "HFO calling from their pre-litigation department' no is this, are you, nothing, he of course got zapped.

As Arden are persuing you for the debt, it is their responsibility to furnish the answer to your request. Have you actually sent Arden the £ and CCA request or was it just a general request? Where a DCA is acting as an agent for the creditor no assignment has taken place and it is better to say that 'if you are acting on behalf of the creditor s.175 of the CCA 1974 places a duty upon you to pass this request to the creditor'. Add the above paragraph into the CCA request and send to Arden. http://www.consumeractiongroup.co.uk...request-letter.

Do the same back to them, send a final Account in Dispute letter, and add a similar paragraph on the end of it as in theirs! Personally I would send it recorded delivery and make sure you keep their letter, and a copy of the notice of receipt of your letter as posted on the Royal Mail tracking website.

Hi, well, yes, it 'should' be removed as it cannot be 'proved' that you owe this debt, but in their 'holier than thou' attitude (DCAs and CRAs) if they say you owe the debt, then that gives them the legal right to report on it (never mind the legal niceties). It has been tried with a Section 10 Notice served on them, and very occasionally they will obliged, but it is a very hard fight and mostly leads no-where.

Just to add my two pennoth - anyone can download and send an SD - it is not a Court Produced document as such (or at least this is my understanding). I have had 2 both ignored, (prior to CAG days it has to be said) and they all just dissapeared to threaten someone else !

Oh dear I was hoping to be the first cagger to 'benefit' from these 'mind blowing disclosures' so as always I will just rely on the never ending font of information, help and remedies, as well as the willingness to share that is CAG.

No probs BA, I too am easily confused, by all the threads on this subject!

Hi and welcome, prior to July 2006, was there a clear period of at least 6 years (5 in Scotland) that no payments were made on this account.

Yes, I have, all information as in post #23

When was your last payment(s) made on these 2 accounts and to whom?

Sent off a letter to HFO which, allowing for the Bank Holiday weekend they should get today, however, dated yesterday and received today by first class post I have the 72 - hour notice of litigation with attendant thread of what my employer will have to do when they obtain Judgement and get an attachment of earnigs! - all nine pages of it!! "Once our solicitors have reviewed your case they will issue a claim form against you in the County Court etc" What a load of gobbledegook!!!. I have sent a SAR to Barclaycard of which HFO have been informed, but as they mention Court do I have to wait until I get the POC etc. before issuing a Letter Before Action?

Thank you, what address should I use please?

Many Thanks, who do I send this too?

Hillesdens are a DCA.