HFO Services

Hi all,

Back in about 2003 / 2004, i took out barclaycard creditcard, which has not been paid since 2006. After moving around alot both in the uk and abroad, i have finally settled down, and been caught by hfo services about 6 months ago.

They started by calling me atwork,for which i refused to speak to (i was at work, not ignoring them) and they have even gone to the extent of trying to speak to my manager! Several letters then started to arrive, dated about a week before delivery, demanding 72 hours to settle.

I initiated contact with then, and they refused to deal with me viamail, but i managed to get a direct debit form from them. This looked likeit had been copy and pasted, with bad english and grammar.

I then sent them a CCA, this was in May.

I finally received a reply to the CCA past week. Although it appears to be official from barclay card to HFO, there is no T&C, no contract, just 2 or 3 pages of statements. I also believe the amount they claim I owe is over double the true value.

I have no issue paying my debt, but Im not giving a penny to these "people", and from what I understand, this is not enforcable?

Does Anyone havea suggestionson next course of action?

Thank you

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