- Date commenced - 2013
- Approx balance at default - £3700
- Default - 27 5 2016 (date from credit file)
- Last payment September 15 2015 (confirmed bank statement)
- Status - Default
- Debt Assigned to CAIS Member Start Date01/08/2016
- Hoist 1 (credit file) (started out hph2)
- No cca/sar request Sent
- Barclaycard kept hold of debt for a few months after the default date before selling to hoist.
- Can't find the original default notice
Feb 2017 letter from bcard saying their debt has been assigned to hph2
Sept 2017 letter from bcard stating they have charged me too much interest during a promotional period to which they have refunded x amount to hoist
Sept 2020 Letter from bcard advising me that are refunding x amount to hoist due to Default fees adversely affecting me.
I have just received the standard letters and messages from hoist which range from pay what owe to discount letters.
After reading through everybody else's diary I thought I would share mine, my plan of action is to do nothing until hoist threatens court action.
2022 update
Getting the odd phone call and the odd letter saying we pay you to pay which I have read and placed in my file.
I am quite shocked how they have treated this debt, I had another debt with them which is now SB, but within the first few months they threatened me with Howard Cohen's solicitors, but sent off a CCA request and never heard anything and the amount was for a lot less than this debt, so I sort of expected them to chase this debt harder but the finishing line is in sight.
May update
Just the usual you still have a discount available of over 50% please contact us. Which i have filed due to it being less then the 100% discount i would like.
June 2022 update
The default has dropped off my credit file and come the end if the month it will be 6 years and one month.
July 2022
Well it has be over 6 year and 1 month, no phone calls nothing, so touch wood it is all done with
Must confess, before i found this forum I had days of worry about this debt, then you read about other people experience and you realise your not alone. So I'd like to thank everybody on this forum for sharing and for all the people who have taken the time to answer my questions no matter how stupid they are. So thank you again.
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