Hi recently I received a letter from hfo demading I pay an amount of £1800 in the next 14 days, i sent a cca request for information on the debt. 2 days ago I was given a message at work to say hfo had called my work and asked for me to contact them, I did call them and they said this debt was for an old loan from 2005, i did have a loan bac kthen but it was nowhere near the figure of £1800. I told advisor that id sent cca request and wouldnt be doing anything until received proof of this debt, he then offered me a copy of my credit report instead of cca i declined this, i also asked them not to call work again as I had provided a personal telephone number, the agent put me on hold then hung up. Can hfo contact me at work because this makes me uncomfortable and work wont be too pleased, also the amount they're stating the debt is seems way too high is there anything I can do about this? thanx

Like me, Have you been HFO-vered ?? Ive had dealings with this mob for over 4 years now on and off. It wasn't until recently when they started using other tactics. that they have really antagonised me big time. Ive had some dealings with DCA's in my time, but nothing along the lines and extremes as to what this lot will stoop to. Having researched them in considerable depth, I now have my own ideas why they operate as they do and the possible constraints placed upon thier workforce to produce results. These views are unfortunately too sensitive to state here. As is evident from the results of the excellent work of these forums, the only way to hit these people is on thier docs. Remember, the damage has been done, every document now is a matter of record and cannot be undone. It is now up to us, the victims, to sensibly collate these individual case histories and use it against them. There is a very true phrase in life , "Someones strength is also thier weakness". Thier docs are certainly thier Achilles Heel - use it !! Well, fellow Caggers, the time has come for the "little man" to strike back. Im absolutely stunned by the amount of postings on here regarding the strokes that are being pulled by this lot. What is required is consolidation of data and cases. The posts on here are excellent and the lengths that the more experienced caggers have taken to help others is admirable and is clearly total dedication to the cause. We all get in debt in life from time to time, some more than others, and when we all take out those accounts initially, it is all in good faith at the time. Nobody knows what the future holds and how ones' circumstances can change for whatever reason. Whilst it is accepted that DCA's and other forms of civil enforcement are necessary and are part of life, what I cannot and will not accept is the underhand tactics and M.O's of some of these companies. Personally, I am not interested in the morality of whether a debt is or is not due, that is a case for your conscience to deal with. What I am concerened with is fair play and correctly administered legal process and exposing abuses of the system. In respect of this lot, I have already made my own noises to various government agencies, as Im sure many others have, howver, none of us know what is going on behind the scenes, but hopefully they take our complaints seriously. That is your right as a consumer if you feel hard done by. In view of the above, I consider that it is right and proper to use all legal and ethical means to expose the operations of these companies. Clearly there is quite sufficient evidence in the public domain to prove that it is more than a few minor "administrative errors". I am in the throws of launching a website, which will be privately hosted in respect of who-is databases etc as I dont want HFO & Co cyber snooping. The aims of the site will be : Clear concise information taken from statute books to assist members of the site who can only be HFO "Victims" regardless of who the OC is. A database of all cases together with uploaded documentation, case histories etc. All documentation to be "privatised" by the owner so confidentiality is maintained. All info, docs etc will be marked with a case reference number so only the site webmaster, and you, the victim will know these details. You will be able to log into your account at any time to add, delete, update etc. All we ask from you is your co-operation in allowing your details to ultimately be used should any LEA or other lawful interested party require access to these case histories. Access to this site will be by invitation only, and strict verifications procedures will be required. All data will be SSL 128bit encrypted and the site will also be an https "Green Address Bar". Your anonymous data is therefore 100% safe, and you cannot be identified unless you wish to. Part of the site is written, its sitting on a server ready to be launched and will be well optimised and is sure to be found using all major SE by anyone researching our "friends" activities. I will make it perfectly clear here, that any info on the site will be harvested from reputable, factual sources, including the public domain. No wild conspiracy theories or hearsay data will be entertained, nor anything closely resembling libelous nor derogatory remarks. You must keep to the facts based upon your experiences. I am seeking comments and input from other caggers. All input positive or otherwise will be welcomed. I have superb influential contacts in media, TV and government departments, and I will be calling upon these resources as and when the time comes. You would have noted the username. I'm also on CAG under another username but only a trusted few will know that. ************************* ************************* * COMMENTS PLEASE ************************* ************************* * If our "friends" are viewing this post, all I can say to them is, this is not defamation, libel or whatever you may alledge. These are the facts based upon 100's if not 1000's of personal experiences. I call it Justice and Retribution for the consumer, which is well past due. The website referred to above is only for HFO / TR problems, however, should any other DCA come to light who operates in a similar way, then they will also be suitably rewarded with a similar dedicated consumer action site !