Roxburghe/Hutchison 3g Debt Collection - Confused!!!

[Beijing3773]

I would further add that the cause of action on a debt occurs when you first "miss a payment"... therefore this account is SB

 

Thanks so much...I found a standard letter and am going to write like this:

 

 

To

Roxburghe

 

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

 

Dear Sir/Madam

 

Account No:

 

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

 

I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

 

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

 

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

 

I look forward to your reply.

 

Yours faithfully

Is that ok? Is the third paragraph (I underlined) relevant in my case? Because they contacted me in Jan 2010 (within 6 years).

 

[patrickq1]

yup also send a harrassment letter jsut to stop anymore letters, but i think you have covered it

patrickq1

[Beijing3773]

yup also send a harrassment letter jsut to stop anymore letters, but i think you have covered it

patrickq1

 

Thanks so much vjohn82 and patrickq1... I just saw VJohn's thread re: case won against HFO (barclaycard) so impressive

 

I checked HFO's licence status on OFT public register and found the followings. Although their licence status is current, the expiry date was Sep 2009. Does this mean they dont even have the renewed licence? Well not important, I am just curious...

Application / Licence Details

 

 

 

Licence Number:0555914

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberHFO Services Limited05120067

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Historic):

 

HFO Services Limited HFO Group Roxburghe HFO Capital HFO Capital

 

Issued Date: 26-Sep-2004

Expiry Date: 25-Sep-2009

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAlasdair John Turnbull

[patrickq1]

it means they are being investigated, but needs more complaints to both TS AND FSA well ICO for good measure lol

VJ scorched their asses big style,,, he is a legend lol and BA an DONKI

[hollysmum]

Just to continue with my outrage at Lowell - I just printed out my credit report again, and it is in fact 14 times that Lowell have searched my record!!!!! Twice a month for the last seven months. ICO advise writing to these scumbags to ask for an explanation, but I'm a bit hesitant because of their penchant for making people's lives a misery, for no particular reason. Does anyone have an alternative suggestion, or should I bite the bullet and write a doozey of a letter of complaint?