#Debtline The OFT on the 5th Feb 2014 has refused to renew the consumer credit licences of debt purchaser HFO Capital Limited, and two associated debt collectors, HFO Services Limited and Roxburghe (UK) Limited.
- sending debt collection letters which misrepresented debtors' legal position
- misleading and otherwise inappropriate behaviour by HFO and Roxburghe agents during phone calls to debtors
- failing to properly investigate disputed debts
- failure to respond appropriately to the concerns of regulators, including the OFT.