hi coledog HFO originally contacted her by letter in may we got a template letter of the internet for a cca request which was sent in may this year,we got a reply in october which indeed looks like an application form but the copy is so bad its ridiculous the scanned image is really small they have also tried to contact her by phone as we have an answering machine we screen our calls so do not reply to them hope this helps

that looks the bis priorityone i'll give it a shot and let you know thanks a lot dude

hi priorityone,the hassle it's caused our lass i'de like to stick to em,i think in all reality they are taking the mick because she doesnt owe them a bean so all i want for her is for this to go away and if they get a bloody nose all the better

hi priorityone thanks for the reply,i am nearly certain she hasnt used that card for three years and was unaware there were outstanding debt on it,the only thing HFO sent back was a copy (very bad one) of the form she signed for the card

Hi chaps and chapesses i posted this on another thread and was advised to start my own thread so here goes,my other half has been contacted by HFO services in relation to a debt they claim she owes on a morgan stanley card which she has not used for years and doesnt intend to,i sent a letter asking for her credit card agreement which they sent back five months later,it does not prove she owes the debt just her signature at the bottom of the page,how do i go about finding out if she indeed does owe this debt as it is making her ill

Hi guys n gals,don't know if this is the right spot to post this(newbie) but here goes my other half was contacted by HFO on behalf of Morgan Stanley saying she owed them X amount from years ago she hasn't used the card for years,i sent them a letter off a debt forum asking for the credit card agreement which they sent after five months (speedy eh) as far as i'me concerned this does not prove she owes the said debt,i think they are saying the debt is three years old,how do i deal with them as she just car'nt deal with it, and so it falls on my shoulders,and i hate bullies