i need advice please :(

[flosschops]

today along with my post was a card from first direct logistics, they said the had tried to deliver a package and could i call them which i did. After they got my right address i started to think something wasnt right, why would they post it? anyhow after looking on internet i now know they are debt chasers, as far as i know i dont owe anything but the address the also had was a very old one and i am now terrified, i have not long come out of hospital suffering a heart attack and i have never been in this situation before and i dont know what i am supposed to do.. Can anyone please give me any advice?

[ODC]

IGNORE

 

They are on a Phishing Trip. If you get a letter demanding money come back here and we will help you deal with it.

[flosschops]

thank you so so much I am terrified at what they were going to do to me. thank you from bottom of my heart, if i get anything i will caome back, they said the package will be sent to me.

[Nottsdave]

You will be waiting a long time these people are telling lies, there is no package.

Do what the wise ODC says

 

Good Luck

[ODC]

FIRST DIRECT LOGISTICS LIMITED

KINGS PARADE

LOWER COOMBE STREET

CROYDON

SURREY CR0 1AA

Company No. 05580262

 

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

 

And HFO services came up with this.

 

Name & Registered Office:

HFO SERVICES LIMITED

KINGS PARADE

LOWER COOMBE STREET

CROYDON

SURREY CR0 1AA

Company No. 05120067

 

 

No Coincidence Im sure

 

A total breach of OFT regulations. Keep the card in case you do receive further correspondence from the likes of HFO

[flosschops]

i recived the so called package today. It is a letter from

HFO services,

PO box 342

Lavender park road

west byfleet

surrey

KT14 6YX

 

 

 

Your old account qith; Morgan Stanley

Account number: ***

Your new account with: HFO Capital Limited

HFO Capital account number: **

Ammount owing: £1367.56

 

We are writting to inform you that title to your contract with morgan stanley has been transfered to HFO. This means that yo no longer have a contract with Morgan stanley, and the existing terms and conditions of your old contract with morgan stanley has been transfered to your new contract with HFO. Please note that, because we are a recovery specialist rather than a lender, we do not write debts off.

 

All future correspondence on this account must be with HFo service limited at the address above. We look forward to working with you on this account.

 

signed

 

whoever?

 

Ok i am lost, the name morgan stanley rings a bell but i dont know for sure if or how much i might have owed and i would never have not paid on knowingly something must have happened for me not to pay them. i dont know what to do i have been reading about sending cca and other ff somethings and i dont want to ring them as they might have a go at me.. What do i do please any advise would really be welcome right now as i am so scared.

 

Thanks

[mr.ton]

Wow..i truley am shocked at the antics of the imfamous "HFO".:o

[ODC]

Send them this

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY YOUR PURPORT TO REPRESENT

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

[Bookworm]

Flosschops, edit your post, please, you have left your real name in it. ;-)

[ODC]

Wow..i truley am shocked at the antics of the imfamous "HFO".:o

I'm not:eek:

[mr.ton]

I'm not:eek:

 

They make MeritFARCE sound a like a professional company

[flosschops]

thank you all i will send that letter out today. What a mess

[ODC]

Flosschops. Do not worry. These idiots can be beaten. Do not beleive anything they tell you. There are plenty of steps and hoops we can put them through. You dont owe money just because they say you do. You are among friends here and will get all the help and support you need.

[flosschops]

thank you so much, i am like a fish out of water regarding this, to do this sort of thing to people is horrendious, if i didnt have acess to the internet i really dont know what i would do, what if i was a elderly person. It has made me so upset so i dread to think what could happen to other people also that dont have the help and support that sites like this give. It is so sad.

[Bookworm]

That's why you should pass on the word to anyone you can. Every time someone comes here for help, it is one less victim for those leeches DCAs, of which they are many, far too many.

[patrickq1]

hi odc did you find the info i sent interesting i am now reseaching through a freind any convictions i aint finnished by a long shot i have only just begun

patrickq1

[Bookworm]

FIRST DIRECT LOGISTICS LIMITED

KINGS PARADE

LOWER COOMBE STREET

CROYDON

SURREY CR0 1AA

Company No. 05580262

 

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

 

And HFO services came up with this.

 

Name & Registered Office:

HFO SERVICES LIMITED

KINGS PARADE

LOWER COOMBE STREET

CROYDON

SURREY CR0 1AA

Company No. 05120067

 

 

No Coincidence Im sure

 

A total breach of OFT regulations. Keep the card in case you do receive further correspondence from the likes of HFO

 

Even odder than that, is that I'm pretty sure that King's Parade (as was) was knocked down quite a while back to be replaced by key workers flats. I'll have to take a stroll down at some point and check it out. :-?

[patrickq1]

hi bookworm did you find out if this place has been demolished

patrickq1

[ravingmad]

if it has been demolished, wot does that do to our positions.and surely that got to also come under some type ofillegal deception?

[Bookworm]

No, not yet, I'll see if I can go and have a look at the weekend.

[ODC]

I have programmed the details into George Bush's computer and requested a full strike.

 

 

 

I am still waiting

[flosschops]

this is the letter i got this morning, it still doesnt tell me when i was supposed to have taken this out, what i have paid of it, when i owed it nothing, i sent the letter that you told me to post recorded delivery, i assume this is the reply. What do i do now lol.. Oh boy wish i had never been so stupid as to have thought the original card was a parcel delivery firm....

 

Morgan Stanley

 

My address

 

Dear **

 

notice of assignment

account number***

current balence £1.367.56

HFO Case Number***

 

we refer to your account with Morgan Stanley.

The letter is to iinform you, that with effect from 14th September 2007 we have sold your account to HFO Capital Limited.

From now on you must accordingly direct all payments due under the agreement, as well as correspondence and enquires, to HFO Services Limited which is servisiing the account on behalf of HFO Capital Limited.

HFO Dervices Limited

PO Box 342

West Byfleet

Surry

KT14 6YX

Telephone: 020 8417 8100

 

Although the assignment does not effect the terms and conditions of your agreement. you should note that, from now on, no variation, amendment, release or waiver of your obligation to make payment may be made or granted without prior written consent of HFO Servives Limited.

 

Yours Sincerely

 

no signiture

 

Morgan Stanley Bank International

[flosschops]

can anyone help? i dont know what to do next. Any advice gratefully recived ty.

[patrickq1]

HI EVERYONE I HAVE JUST RECEIVED THIS ,THIS IS A WORRYING TREND FROM THE MOVE FROM THE UK DONT KNOW ABOUT THE LEGALLITY AND I AM CONCERNED THIS IS AN E MAIL I HAVE JUST GOT DONT KNOW IF I AM BEING SET UP OR PUSHED INTO MAKING A MOVE SO I DO NOT KNOW IF ITS RELIABLE

PATRICKQ1

Hey pat ,

My name is XXXXXXX n i m from India through ur postings i

cud figure out ur concern i.e. HFO.

Well this company called HFO has comeup with a callcenter in India and

they are about to start there operations from here,i was trying to

search for there background and in this process i found ur postings.

From here they are going to start calling to UK ppl who are not current

on there loan accounts, if thats wat i have been able to understand

from them

[mommamartin]

Hello everyone, newbie on board here!

I have just read Flosschops post - and I have had EXACTLY the same thing happen to me this weekend. Although I do owe the money to Morgan Stanley, I have been paying £20 a month for the last 1.5 years without fail - I too got the First Direct Logistics bogus 'sorry we missed you' we have a parcel to send you card. Once I had confirmed that it was me i got a call on Saturday morning from an Indian bloke called Jason who was so rude and threatening he made me cry - and believe me i'm not normally a cryer. He told me that I had to pay £856 there and then and then £179 a month for 2 years! When I explained that I had lost my job due to the fact that me and my two babies had to flee our home to escape my ex partner ( all which had been accepted by the nice lady at Morgan Stanley ages ago) he scoffed at me and told me to get a job within the next month to start paying it! When I told him that that was not going to happen he said see you in court then... and went on to add that i would not be able to get a job if i got a ccj as employers do credit checks on you (to which I laughed) he also told me that baliffs would call to take my stuff. I informed him that I had done nothing wrong, and had never missed a payment - and that I would go to the Citizens advice for help, he then told me that I shouldn't listen to them... they don't know what they are talking about!!!!!!!!!!!! what planet are these people on?

I am so enraged I want to take a stand, could any of you please advise me on how to proceed with this? By the way I think you are all bloody great from the things that I have read on here!!! Power to the people:)