I'm asking here as i am not sure where to post this

[Still Waving]

It did make me laugh 'desk-jockey'

Can't take the credit, I think it's The Tech Clerk's copyright.

[Spent2much]

Well, the email from Hoist in January is rather vague. Just what does "There is no further action that you need to take at present." really mean?

I hope you still have that email. I think I would be inclined - when Lowell write to you - to send them a copy of that email, telling them to revert back to their principal, as they appear to have been instructed in error.

It could be that some desk-jockey at Hoist saw there had been no recent payments and wasn't aware of that email.

Exactly , I will do what you suggest and wait for the Lowell to write, I saved the email from them , so no problem there .
Thank you for replying and your suggestion . It did make me laugh 'desk-jockey'

[Still Waving]

I was , but then we had no money and Hoist said they would suspend all activity, they are rats and I might off the new dca £50 to have done with it . I find it devious what they did , but they need that money more than anything don't they lol .

Well, the email from Hoist in January is rather vague. Just what does "There is no further action that you need to take at present." really mean?

I hope you still have that email. I think I would be inclined - when Lowell write to you - to send them a copy of that email, telling them to revert back to their principal, as they appear to have been instructed in error.

It could be that some desk-jockey at Hoist saw there had been no recent payments and wasn't aware of that email.

[Spent2much]

If it was a CCJ, then it still is. If you were, and are, paying the £1 per month as instructed by the court, then they shouldn't be chasing you.

I was , but then we had no money and Hoist said they would suspend all activity, they are rats and I might off the new dca £50 to have done with it . I find it devious what they did , but they need that money more than anything don't they lol .

[Still Waving]

If it was a CCJ, then it still is. If you were, and are, paying the £1 per month as instructed by the court, then they shouldn't be chasing you.

[Spent2much]

I hope someone will see this update and advise me please .

I had an email from Hoist Finance back in January telling me they were not perusing the debt of £451, this is a CCJ and i was paying £1 a month as instructed by the court , I received a letter from them today to tell me they have instructed Lowell to manage the account .

Is this still a CCJ now they've instructed Lowlife to manage it ?

Can you actually believe these dca would sell on a debt for £451 ? It's so low in my opinion and so greedy .

What shall I do ? shall I make the £1 payment again each month or ignore this ?

Thank you .

This was the email I received in January

Dear Mrs ,



We write in relation to your accounts ******* and *******



We are sorry to hear of the difficulties you are currently facing and we can confirm that upon further review of your circumstances, a decision has been made to suspend any future activity on your accounts.



There is no further action that you need to take at present.







Yours Sincerely

[Spent2much]

Possibly. Not knowing the history, I couldn't say for certain.

I recorded it all in my UE diary , I think mine are SB as the last payment on all of my debts were June 2012.

[Still Waving]

So mine are all SB as of 2018 ?

Possibly. Not knowing the history, I couldn't say for certain.

[Spent2much]

NO! 6 years after 2012, ie Statute Barred in 2018. After 2018 court action could not be taken, but prior to 2018, it could.

So mine are all SB as of 2018 ?

[Still Waving]

Yes it has taken a lot of pressure off me , I know its only £470 and £880 but its a good result .

So my debts are not statute barred until six years after the 2018 ?

NO! 6 years after 2012, ie Statute Barred in 2018. After 2018 court action could not be taken, but prior to 2018, it could.

[Spent2much]

Good news about the letter from Hoist. That should take a lot of pressure off you.

Regarding your question - as I said SB doesn't come into effect until 6 years AFTER you cease all payments and acknowledgment of the account. So, in your case, in 2018.

Yes it has taken a lot of pressure off me , I know its only £470 and £880 but its a good result .

So my debts are not statute barred until six years after the 2018 ?

[Still Waving]

How is that 4.5 years SB when my last payments to all the debts were June 2012? I don't understand .

Good news about the letter from Hoist. That should take a lot of pressure off you.

Regarding your question - as I said SB doesn't come into effect until 6 years AFTER you cease all payments and acknowledgment of the account. So, in your case, in 2018.

[Spent2much]

Seems that Hoist game is to cover both debts! with that CCJ! Hence £5000 charge on the house!
As you point out, and its not technical its a fact NOT YOUR DEBT

I would wait and see Hoist's response (if any) then come back here.
Make clear in the Diary the CCJ and Charge is on a House in Joint names!
If Hoist does the right thing and writes the debts off they should remove that CHARGE!

We write in relation to your accounts xxxxxxxxx and xxxxxxxxxx.



We are sorry to hear of the difficulties you are currently facing and we can confirm that upon further review of your circumstances, a decision has been made to suspend any future activity on your accounts.



There is no further action that you need to take at present.







Yours Sincerely


Hoist Finance .

[Spent2much]

I received a reply from Hoist Finance .

We write in relation to your accounts .



We are sorry to hear of the difficulties you are currently facing and we can confirm that upon further review of your circumstances, a decision has been made to suspend any future activity on your accounts.



There is no further action that you need to take at present.







Yours Sincerely

[Spent2much]

So probably 4.5 years SB then.

July 2012, in my case.

How is that 4.5 years SB when my last payments to all the debts were June 2012? I don't understand .