HFO Services

[indiebhoy]

And 2...

[dadofholly]

Okay, I've uploaded 3 letters to photobucket but I'm 7 posts short of being able to post the links. Make, that 6 now.

 

yes probably easiest way to do do it.

[indiebhoy]

1...

[coledog]

Just keep typing Bump

[indiebhoy]

0!!!

[indiebhoy]

deleted

Edited October 21, 2010 by indiebhoy

[dadofholly]

Indie you have left an address in the middle of the letter - second letter.

[coledog]

And the account/case numbers you need to get rid of them - edit the post and delete then repost

[indiebhoy]

Sorry, I'll edit and re-post.

[indiebhoy]

Here they are again:

 

 

 

 

[IdaInFife]

was checking in after your message Indie, I can see you should be able to upload ok now

[broken arrow]

It is now important that you send a SAR to the original creditor, this will take up to 40 days.

[dadofholly]

As BA has said Indie you need to ghet that SAR sent off pronto if not already done.

 

Have they sent you anything like credit agreements - statements - default notices etc?

[DonkeyB]

Current balance says ‘satisfied’. Anyone know what that means?

[loanbuster]

Current balance says ‘satisfied’. Anyone know what that means?

 

It means satisfied in the sense that the balance due to the OC has been paid in full at a lesser rate when charged off to the assignee. The new "owner", and I use the term loosely, then starts a new entry on CF with a default balance showing from day 1 of thier ownership at the full face value of what the debt was when sold.

[dadofholly]

Current balance says ‘satisfied’. Anyone know what that means?

 

satisfied surely = no debt exists - usually because the amount has been paid - in full settlement.

 

Where as settled is when you have agreed to settle at a lesser amount.

 

But i think satisfied means just that - the default has been satisfied.

 

But stand to be corrected.

 

Seems Strange?

 

Bit like sending a settlement offer for a personal loan - But states there is a charge on your property? you know - on the face of it looks feasible - but is actually contradictory and suspect.

Edited October 21, 2010 by dadofholly

[loanbuster]

satisfied surely = no debt exists - usually because the amount has been paid - either in full or partial settlement.

 

But satisfied means just that - the default has been satisfied.

 

Seems Strange?

 

Bit like sending a settlement offer for a personal loan - But states there is a charge on your property? you know - on the face of it looks feasible - but is actually contradictory and suspect.

 

Couldnt agree more DH, and it is in fact a very arguable point especially if an OC sells the debt and no CCA exists, so one could argue and say, well look Ive paid it, wheres your proof of ownership. Ive never been pursued for an account sold and marked as satisfied. If they do then tell them to do one. !!

[loanbuster]

satisfied surely = no debt exists - usually because the amount has been paid - either in full or partial settlement.

 

But satisfied means just that - the default has been satisfied.

 

Seems Strange?

 

Bit like sending a settlement offer for a personal loan - But states there is a charge on your property? you know - on the face of it looks feasible - but is actually contradictory and suspect.

 

Its actually a legal closure. As they have sold the debt and have no further title to it they have to show it as satisfied beacuse it actually is despite whoever satisfied it, in these cases the purchaser. (assignee)

[dadofholly]

Its actually a legal closure. As they have sold the debt and have no further title to it they have to show it as satisfied beacuse it actually is despite whoever satisfied it, in these cases the purchaser. (assignee)

 

I see.

 

Was reading something on this in the DPA just the other day - will look it up again as it said something about who can mark the credit file of an assigned debt and under what conditions.

 

Will seek it out again in the morning.

[indiebhoy]

Hi guys,

 

I forgot to scan and upload this page from the econsumerview report. This page has the outstanding debt that they are after. It's the last 'default' entry. I don't know why the last default date is in 2007 as I had long since stopped using the card and was living in another country at that time. They also got my date of birth wrong on that entry.

 

Edited October 22, 2010 by indiebhoy

[indiebhoy]

Printed off the SAR letter and will post tomorrow. Thanks for the advice.

[coledog]

Morning Indie

 

Address for Barclaycard is

 

BARCLAYCARD

Data Protection Team

Dept LRC

Northampton

NN4 7SG

 

Send letter with a £10 postal order. You may have to tweek the letter to explain if you have changed address since you last had contact with them (give them your old address) They may ask you to send proof of id and signature which they are at liberty to do, I believe. Send recorded.

 

It is vital to get the SAR info to sort out what has been done with this account as it all looks very suspect.

[coledog]

Morning to you Broken Arrow and guest.

[coledog]

Me wonders who this Roger Mills is. Is he the nice American who called you?

 

The number is Indian call centre but the email address has changed from customercare@HFO to accountmanagement@hfo

[indiebhoy]

Mr Mills, or if you are friendly with him just 'Roger', is the nice American sounding man that I spoke to.