HFO Services Ltd

 

Registry of Debt Collectors

 

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What To Do If You Get A Nasty Letter or Phone Call From:

HFO Services Ltd

HFO Services Ltd is is a law firm which often acts on behalf of debt collection firms.

 

HFO Services works closely together with debt collection and purchasing companies which are listed in the

 

DPC Registry is licenced by the Office of Fair Trading. Licence No. 633327 and are signatories of the Data Protection Act. Reg. No. Z1620707

 

Name: HFO Services Ltd
Also Known As: HFO Services Ltd Debt Collectors, HFO Services Ltd Ltd, HFO Services West Byfleet, HFO Services India, HFO Debt Collectors West Byfleet Surrey, etc., etc., etc.
Address: PO Box 342, Lavender Park Rd, West Byfleet, Surrey KT14 6YX and also 6B Building No. 6, DLF Cyber City, DLF Phase-3, Gurgaon-122002, India.
Telephone: 0203 024 8500
Fax: 844 555 3400

HFO Services Ltd and the Truth About Your Debt

They will ask you for your cellphone number if you have one and most of us have one. But it is important that you do not tell them. Because if they have it they will be able to bother you at home and at work round the clock. They will continue to do this even when you tell them not to, therefore you must tell them in writing, and send the letter by registered post or recorded delivery so that you get a signature as proof of safe delivery (although so many of these people operate from a PO box number so a signature is impossible to obtain). Some DCAs will contact the people next door to ask them about your debt. Some may tell your kids that you are a bad parent because you can't pay your bills or threaten to do this, wanting to scare you and thus widen their profit margin. All these debt collecting companies are purely profit driven and so their individual sales people know well that they have to hit their sales targets. All these activities are illegal, yet the law seems to be indifferent for some reason. Dealing with the demands of HFO Services Ltd can be very stressful.

Some debt collection firms are worse than the rest. Some debt collectors routinely deal in sending off thousands of tentative letters about hypothetical debt telling people that they owe some money when they owe nothing at all. This tactic seems to work for the debt collecting agencies because they are aware that a small proportion of frightened people always capitulate when bullied although they know that they have bo debts whatsoever. Some of these debt collecting companies compile lists of debtor accounts which are over six years old and try to make money from them. But this is totally illegal. They are classified as Statute Barred, they are out of date and they cannot be legally enforced.

It is an option to call into question the validity of the money owed by making a Subject Access Request as a foil to HFO Services Ltd. The owner of the debt (the bank or the DCA) must send you a true copy of your original credit agreement if the agreement was made before April 6th 2007. When they fail to do this they are breaking the law, and the alleged debt is in dispute. As long as this situation exists they must not ask you for any money (if they do so they are breaking the law once again) and they must not sell it on to another agency (which many do nevertheless at this stage). As long as the alleged debt is in dispute it is said to be unenforceable, even by a court. There's a series of pre-written letters available for use. Or you can get a solicitor to help you, due to the complexity of the law at certain points. There are also paralegal firms professing their services in this area.

Many people like yourself have noticed with shock that these debt collectors always insist on talking to you on the phone. For some reason they always choose to call you on the phone rather than communicate in writing. Well the reason for this is that they wouldn't be able to threaten you on paper for the reason that they would not wish to lie in a verifiable form such as a letter.

So ask HFO Services Ltd for a copy of the original contract when you took out your loan or credit card.

Even better, start an unenforceable credit agreement application enquiry. It costs nothing to do this and you are protected by the consumer credit laws. Click here for the unenforceable contract application form.

To find out if you qualify for an IVA or can benefit from a debt management programme, try the IVA Test. It's free to apply, and again you are protected by the consumer laws regarding debt management at all stages. Click here to go to the application form.

 

We are licenced by the Office of Fair Trading. Licence No. 633327.

We are signatories of the Data Protection Act. Reg. No. Z1620707.

 

 

 

 

 

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