There will be a lot of people jumping on this thread, as it looks like that we've been down this road previously, i.e FCO & TPDO, so you can expect a lot of sound assitance from our learned caggers who know a lot about these people and thier antics. The amount secured against the FCO is a total joke for such a small amount, and goes against all the principles which have been spoken about by our new government. I think that the Rt Hon PM was saying something about that he considered that FCO's shouldnt be used for securing previously unsecured consumer debt for less than £25k.

Hi SH thanks for your PM. You are not in fact a million miles from me geographically. Have you got a brief working on this for you ? A few basic questions to get this ball rolling along : Who do they allege that your account was sold to and when ? (This is the first important factor) Did you ever receive claim from from Court, and if not what were the circumstances that led to them entering Judgment by Default (presumably) ? What documentation (if any) regarding the alleged assignment have they given you to date ?

alright DB, back from M then ?

lets hope so, could be more fun for PT

....and we all know about how to deal with these issues. Be good if should it turn out to be an iffy HFOCL Ireland assignment ?? So wheres SH gone then. One post and hes gone ?????

SH, Ive asked the site team to start new thread for you on this HFO topic.

What Court is this in ?

SH, youll have to ask the site team to start a new thread as youve posted on someone elses, or start a new thread for your case.

..............and Nathan is now on it with Jonathan Woolf and Tara Nathan. All the rest seem to have jumped ship !!

Alice and TRL are now both off of HFOCL -Ireland CCL

No, I know it dosent help, I just pointed it out to show the relevance and history of the NOA's from them. Clearly they produce them all ad-hoc.

Have a look as this link which I came accross hfoservices.co/noa.html

In view of the absence of records in these Monument cases, are BC sure that they actually sold it to Equidebt as opposed to them being just the collection agent. Around this time in 2006, which is when HFO Services Ltd commenced active trading, we believe that all these Monument accounts were sold to HFOCL-Caymans. If you get it in writing from BC to this effect, i.e. Equidebt BOUGHT it, then that is half the problem sorted. HFO Services Limited will have to show how they came to buy it. Clearly another c*** up by someone in BC or HFO !!

Are BC sending you written confirmation of this ?

This is good, cos it means that in this case they cannot use thier smokescreen of so called "ltigation agreement" dated 2nd Jan 2006 to claim that it was sold to HFOCL-Caymans and then to HFOSL.

This is all very new. Never heard of them. Well as soon as BC confirm that in writing to you then HFO have got some explaining to do, and moreso explain how they came to own the debt from "Equidebt". I think that you may home and dry soon.

Thier NOA dates usually differ by around 17-18 days between what is true on BC records and what they say on thier "NoA"

Did BC say it was sold to Roxburghe (UK) Limited

Quite so Brig, but in this case there was nothing, zilch, to follow as from day one ! As I say this is a new 11th hour soft soap measure in view of thier current CCL status, as is all the new ball-cocks on TR's new website. Who are they kidding.

They'll probably just file it under "B" for bin - complaints procedure ? - yeah OK, too little too late, just for the benefit of the OFT - 11th hour measure. Should have instigated a complaints procedure in 2006 when the company started active trading. Wool over eyes comes to mind !

So you havent received an NOA which is written on what appears to be Barclaycard letterhead. Just this follow up letter from HFO Services Ltd. mmmmm me smells a rat here ! The proper NOA is an important item. Think you need to get back to Barclaycard and ask them to be sure. HFO Services Ltd as far as we know were NEVER the purported purchaser of these accounts.

Have they sent you a formal "Notice of Assignment" letter ?

Exactly which HFO do they allege that they sold it to ? They are somewhat amibiguous in this in stating the precise legal entity in these instances. This is quite important and may open other doors.

Genuine sale date probably around 3-4th March 2006 and not to HFOCL-Caymans !! Ask BC for sale date and see if Im right.

bump