Think i will drop a wee note off to the OFT. Seen to many posts from people terrified by HFO and another nail will help stop the madness!! Though i think i will want and see a bit before i inform BWC that their wasting their time and money chasing me. Thanks again guys and keep up the good work

Hi Conniff and Donkey, Yeah was never going to ring them and was just going to ignore them. As You say Donkey once SB always SB. Went through sending HFO letters in Feb 2011 Stating that the debt was now SB and i never heard anything else!! Was thinking they sold the debt to BWC so they could try their luck. Its always nice to get a second opinion and CAG are the best around. Thanks for taking the time to reply to my post And will let you know if anything comes of this Cheers

Hi everyone, Love the forum and I'm looking for little bit of advice. I had a run in with HFO at the start off 2011 about an old debt i had with barclay card which was over 7 years old then and was SB. I did all the letter sending and never heard from them again. But here's the crazy thing, I now live in Scotland ( since 12/2011 about 8 months after the letters from HFO stopped) and a letter from BCW dropped on my doorstep about 2 weeks ago asking if I was who they were looking for( It was my name on the letter) and if i could get in touch. And if i wasn't the named person to get in touch anyway. After finding out who they were i filed it with the HFO stuff and left it at that. Now yesterday i received another letter from BCW saying they were working on behalf off HFO and would i ring their office to settle the debt from Barclay card which is now about 8 years old and funny enough half the amount HFO wanted and is now more or less what the original debt was. What do you think i should do? Are they chancers and looking for a quick buck? I'm thinking of just ignoring them as going by the first letter they don't even know if i live at the address the letter was sent. They don't have a leg to stand on and don't want to acknowledge the letters in fear off endless threat o grams. Any opinion on this would be gratefully received. Cheers