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  • My debt free diary

    • Date commenced - 2013
    • Approx balance at default - £3700
    • Default - 27 5 2016
    • Last payment September 15
    • Status - Default
    • Debt Assigned to CAIS Member Start Date01/08/2016
    • Hoist 1 (credit file)
    • No cca/sar request Sent

    Feb 2017 letter from bcard saying they 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 recived the standard letters and message 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 threaten court action.






  • #2
    Hi

    Just a couple of initial enquiries:-

    You say last payment September 15 - just for clarity, is that 2015?
    Do you have statements to show that Hoist actually credited those refunds to your account?

    Comment


    • #3
      Yes the last payment was Sept 2015, Hoist have never sent me any account statements or anything to say my balance has been reduced.

      I know it has been credited from the information on my credit file the balance has been reduced.

      I'm just quite shocked at how little hoist have done in regards to threats etc.

      Comment


      • #4
        Hi, wel if they are doing very little then don't stress to do anything yourself.
        keep the refund letters safeand if poss a screen shot of your entry on the credit file, then just wait till Hoist contact you and see what the balance owing is.
        they will be in touch soon as SB is looming
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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        • #5
          Well hope everybody had a good Xmas and New year.

          just a quick question around default dates , I was looking into this debt and when my last payment was made vs the default date. My question is how long should a company leave it before they issue default notice. My default notice was issued 8 months after my last payment. Is this correct or could I challenge this.

          Comment


          • #6
            Hi

            In the final stretch to SB I wouldn't be making waves. I would just exercise a bit more patience. Further, you don't want to be inadvertently acknowledging the debt.

            Comment


            • #7
              Originally posted by Mrreese6018 View Post
              Well hope everybody had a good Xmas and New year.

              just a quick question around default dates , I was looking into this debt and when my last payment was made vs the default date. My question is how long should a company leave it before they issue default notice. My default notice was issued 8 months after my last payment. Is this correct or could I challenge this.
              I agree with Still Waving Patience!

              I personally think its better to err on the side of caution here!
              I would take the default notice (not the date of the notice but the latest date to correct!! within that Notice ) plus one month as the Statute Bar Date
              If you rock the boat over the issuing of the default notice you would most like be admitting the debt! Thus adding a further six years!!


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              • #8
                Thanks, Im probably just trying to overthink things along with worrying about it more than I should.

                I was just looking at credit report and has noticed that the debt started at hoist 1 , hoist 2 (I know them two have ceased trading) now it is with HOIST FINANCE UK HOLDINGS 1 LIMITED(fca licenced?) I am just worried that I can expect some action from them at some point.

                I think I use my diary as a sounding board so if I'm thinking about anything that is worrying me then I put it on here and let people who are a lot smarter than me have a read.

                So thank you to everybody who spends a few moments to read my ramblings

                Comment


                • #9
                  Originally posted by Mrreese6018 View Post
                  Thanks, Im probably just trying to overthink things along with worrying about it more than I should.

                  I was just looking at credit report and has noticed that the debt started at hoist 1 , hoist 2 (I know them two have ceased trading) now it is with HOIST FINANCE UK HOLDINGS 1 LIMITED(fca licenced?) I am just worried that I can expect some action from them at some point.

                  I think I use my diary as a sounding board so if I'm thinking about anything that is worrying me then I put it on here and let people who are a lot smarter than me have a read.

                  So thank you to everybody who spends a few moments to read my ramblings
                  The plan is to stay at the bottom of their to do list!
                  If you engage them, as others do, you stay at the top of their working list!

                  Softly softly sit on your hands.
                  Make notes for yourself with dates! Good Diaries make for Good Decisions!
                  You can see a Chain of Hoist Names can't you! Well chains have links and sometimes these links are suspect!
                  Watch and Silence!

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