In 2003 my business, a small one which I run with my wife, acquired a card terminal through Lloyds TSB leased by Hypercom. Hypercom's leasing activities were sold to Forrester and after four years (in July 2007) we would no longer be liable to penalty for terminating the lease. A little later the bank started pushing us to cancel the lease in favour of one with another company which was partly owned by them.

The bank has treated us well and went as far as they reasonably and legally could to warn us of Forrester's likely reaction, so what ensued was no surprise. We were bound to give one months notice which we duly did and received details of how and where to return the terminal, which we also did. I also cancelled their direct debit.

Since then we have received around a dozen phone calls, mostly automatic ones, from America. I told them clearly that the contract was terminated in good order and that we did not owe them anything. I have no doubt about this having checked our bank statements and their schedule of payments due up to October 2008.

Two of those calls in particular stick in my mind - an early one when they threatened to send bailiffs in and one where I told them that Obama was going to close them down. The guy thought Obama is the greatest thing since sliced bread. I told him I would not trust him (Obama), and then that I did not trust him either, after all they are both Americans [sorry American friends, but I was really wound up!], have a nice day, etc, etc. If it was not for these phone calls I might have thought they were just incompetent and nothing more than that. However, they are menacing and that is not a sufficient explanation!

My wife took the last call and, rather inadvisably in my opinion, asked for a copy of the contract and gave them our fax number. Now I am braced for streams of junk faxes. The 'contract' they faxed (their fax did not show their fax number) was not the original, did not show the actual dates or any signature. Interestingly it showed that quarterly payments were payable in arrears whereas they were actually due in advance and my payments records confirm that. So I am forced to the conclusion that not only do they make harrassing phone calls but are also, let us say, 'creative' with their documentation.

Today I received a demand for another quarterly rental payment which would, indeed, have been due if the contract was still in force. In the same post was a threat to refer the debt to their legal department. It really is laughable.

The fact is that Forrester UK Holdings LLC do not have a UK office. The terminal was returned to them c/o Hypercom in Salisbury and the address on the letters was 363 Stockley Close, West Drayton, Middlesex, UB7 9BL, United Kingdom, ADDRESS SERVICE REQUESTED. The last two lines give away the fact that the letter was not produced by a British office. Their spacing in the telephone number for replies also showed unfamiliarity with how UK phone numbers work. The address belongs to International Bonded Couriers, not Forrester. I have no reason to suppose IBC itself is not entirely genuine.

This could run and run, so I am going to try to enjoy it! I am assured that if they were foolish enough to pursue their wild allegations to the ultimate end they would have to bring a case before the Small Claims Court and it would simply not be worth their while even if they were right. But they are wrong anyway!

Despite returning equipment and paying all fees for equipment rental up to end of the contract, Forrester UK Holdings llc are still chasing me for money they say I owe them. Despite having signed for receipt of the returned equipment sent to the address supplied by Casper from Forresters, they are now denying all knowledge of having had the equipment returned. It was sent registered to their UK address and it was signed for. They now claim I owe them £600+ for this equipment which we were told by their agent is now obsolete in design and cannot be used again. They have appointed a UK debt collection agency to chase me for money I don't owe them. The debt collection agency, TNC Legal Services, have been provided with ALL evidence including copies of paperwork from the UK post office confirming signatures on who signed for the equipment. Still Forresters insist I am chased for money not owed to their client. Next step for me is to involve the Office of Fair Trading and also the banking ombudsman in the UK. This is because LloydsTSB insisted these were the only supplier they had approved for card services provision for my now closed business. This is anticompetitive and places LloydsTSB in part responsible for the mess Forresters have created.

My wife & I bought a house in December 2006. We have received excessive letters regarding equipment that previous owners had with this company. Despite confirming in writing that we purchased the property recently, we still receive letters to recover a debt from the previous owner!