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

[Still Waving]

I stopped acknowledging the debts when the last payments were June 2012 .

So probably 4.5 years SB then.

July 2012, in my case.

[Roger]

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!

[Spent2much]

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 .

[Spent2much]

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 .

[Spent2much]

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 .

[Pat]

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

[Still Waving]

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.

[Spent2much]

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 .

[Spent2much]

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 .

[Night Monkey]

£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.

[Still Waving]

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.

[Spent2much]

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 .

[Still Waving]

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?

[Spent2much]

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

[Spent2much]

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