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  • Still Waving
    replied
    Originally posted by Spent2much View Post

    I stopped acknowledging the debts when the last payments were June 2012 .
    So probably 4.5 years SB then.

    July 2012, in my case.
    Last edited by Still Waving; 28 January 2023, 14:26.

    Leave a comment:


  • Roger
    replied
    Originally posted by Spent2much View Post
    The CCJ is for the £470 account that Hoist have , the second account they have is not a CCJ it is SB . The charge on the house is for over £5000 , it's my husband's account not mine ,but it's on the joint mortgage account , so technically only half of the debt is his not mine . I think lol .
    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!

    Leave a comment:


  • Spent2much
    replied
    Hoist finance have sent me two reminders since putting the account on hold for 30 days while I send them proof of my illness. This is just harassment .
    I've sent them proof of my illness via email and the surgery date and diagnosis on discharge, this stupid company are just really pathetic and desperate .

    Leave a comment:


  • Spent2much
    replied
    Originally posted by Pat View Post
    If there are charging orders I assume there are ccj in place. These technically are never statute barred. Having said that, if the ccj is many years old and no charging order in place, a judge might ask why no enforcement has been taken. Years ago I had two old ccj which I had been paying 10+years and stopped with no adverse effect. Mind you they were not for large amounts. I also had an arrangement with Barclays but when I asked for details they couldn’t even locate the accounts- so I stopped. All other debts are long SB and would have been longer if I hadn’t fallen into the trap of responding as per the AAD templates of the time such as missing PT
    The CCJ is for the £470 account that Hoist have , the second account they have is not a CCJ it is SB . The charge on the house is for over £5000 , it's my husband's account not mine ,but it's on the joint mortgage account , so technically only half of the debt is his not mine . I think lol .

    Leave a comment:


  • Spent2much
    replied
    Originally posted by Still Waving View Post

    Hi

    I think you may be slightly mixed up here. Your first thought that it has been SB for 5 years is probably the more correct. SB didn't start when you joined AAD, but six years after you stopped acknowledging or paying the debt. I assume you didn't stop until after you had joined AAD.
    I stopped acknowledging the debts when the last payments were June 2012 .

    Leave a comment:


  • Pat
    replied
    If there are charging orders I assume there are ccj in place. These technically are never statute barred. Having said that, if the ccj is many years old and no charging order in place, a judge might ask why no enforcement has been taken. Years ago I had two old ccj which I had been paying 10+years and stopped with no adverse effect. Mind you they were not for large amounts. I also had an arrangement with Barclays but when I asked for details they couldn’t even locate the accounts- so I stopped. All other debts are long SB and would have been longer if I hadn’t fallen into the trap of responding as per the AAD templates of the time such as missing PT

    Leave a comment:


  • Still Waving
    replied
    Originally posted by Spent2much View Post


    I've sent it via email and attachment , its all proof , also I sent them the letter I got for the surgery date , the discharge paper says the diagnosis on it , now if they don't write it off I am going to report them to the Ombudsman for harassment and added stress and anxiety by mentioning the second account they have which is eleven years statute barred this year . I don't know why I thought it was five years SB. But I joined here in 2012 so that means all the debts are SB by eleven years this year .
    Hi

    I think you may be slightly mixed up here. Your first thought that it has been SB for 5 years is probably the more correct. SB didn't start when you joined AAD, but six years after you stopped acknowledging or paying the debt. I assume you didn't stop until after you had joined AAD.

    Leave a comment:


  • Spent2much
    replied

    Originally posted by Roger View Post

    Make sure you have copies of any letter plus contents you send them AND Proof of postage!
    Don't pussyfoot any dilly dallying report them to regulator with a copy of what you have sent them!
    I've sent it via email and attachment , its all proof , also I sent them the letter I got for the surgery date , the discharge paper says the diagnosis on it , now if they don't write it off I am going to report them to the Ombudsman for harassment and added stress and anxiety by mentioning the second account they have which is eleven years statute barred this year . I don't know why I thought it was five years SB. But I joined here in 2012 so that means all the debts are SB by eleven years this year .
    Hoist Finance are disgusting the way they behave , both those debts they have earn them nothing , in fact paying a quid a month is costing them to process it .
    I so want them to suffer for their behaviour lol
    They sent a 'did you forget to pay' letter yesterday too . I wonder if this company know what they are doing most of the time lol .

    Leave a comment:


  • Spent2much
    replied
    Thank you for the replies and I will send them proof of my illness and if they pressure for an income and expenditure I won't give in ,they can receive the quid a month lol .

    Leave a comment:


  • Night Monkey
    replied
    £470 is peanuts to Hoist, they ought to take the sympathetic approach
    This speaks to the 'procedural' approach they seem to take, with a lack of any human intervention and consideration. £470 is pocket money to the likes of Hoist, and even if it was paid off in full now I doubt it would cover their administration costs. When balanced against the OP's stress caused by them chasing the account I can't see how there's any logical reason to continue asking for it.
    Last edited by Night Monkey; 19 January 2023, 17:59.

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  • Still Waving
    replied
    Originally posted by Spent2much View Post

    The account which is a CCJ is for about 470 and the statute barred account is for 980 .
    £470 is peanuts to Hoist, they ought to take the sympathetic approach. Please keep us updated with any developments.

    Leave a comment:


  • Spent2much
    replied
    Originally posted by Still Waving View Post
    Re Hoist - You are asking for their help and understanding in the circumstance of your health issues. It is very insensitive of them to be asking for I&E. I would be inclined to send the evidence about your health, and ignore and don't reference the I&E request.

    Approx how much is on the Hoist account?
    The account which is a CCJ is for about 470 and the statute barred account is for 980 .

    Leave a comment:


  • Still Waving
    replied
    Re Hoist - You are asking for their help and understanding in the circumstance of your health issues. It is very insensitive of them to be asking for I&E. I would be inclined to send the evidence about your health, and ignore and don't reference the I&E request.

    Approx how much is on the Hoist account?

    Leave a comment:


  • Spent2much
    replied
    Drysden Fairfax have put the account on hold until 11 April with a possible extension if needed. Very kind and considerate . Hoist Finance I haven't got back to them , but I am thinking of just replying and sending them evidence of my surgery tomorrow and the diagnosis letter from December 13th last year. Not sure what to say about the I&E , there is only working tax credits which we are living on right now so not sure that's going to help .
    We haven't heard back from the mortgage yet , but we asked them to help before I got my diagnosis and it was the time of tests and scans, so when they do get in touch the situation has changed .
    Macmillan have just been on the phone , said don't paint a really black situation to the mortgage as we need to show we can get back on our feet .
    So they've suggested asking the mortgage for a payment holiday and extending the mortgage , we will eventually sell this house as its too big for us , it four bedrooms and two bathrooms , just us living here . But for now its my comfort zone and I feel safe here so need to sort this issue out asap so I can begin my recovery .
    Any suggestions would be gratefully received.
    Thank you x

    Leave a comment:


  • Spent2much
    replied
    Thanks all . I will send them proof of my illness and not mention the second debt being statute barred, see what they do .

    Leave a comment:

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