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I have continued to receive more harassing letters and calls regarding this account, and none of the communication mentions that the account is disputed - which I thought was a requirement when an outstanding request has been made and remains unresolved?
Any thoughts on whether I should maintain silence still? Updated full history below.
Thanks
Type of account - HALIFAX current account
Date commenced - Account opened in Nov 2009
Approx balance - £5000 (around £4500 was authorised overdraft, the rest was unauthorised and was the spiralling that caused the situation at the time)
Date last paid - default recorded December 2017, no payments made since default
Are you on arrangement or not paying - not paying
Account owner - Hoist Finance UK Holdings 3 Limited
History
-------
10/08/2017 - Halifax: from Collections Centre stating that if I pay £130 the account will be up to date (amount is approx.)
04/09/2017 - Halifax: from Collections Centre stating that a payment of £460 is due on the account (amount is approx.)
07/09/2017 - Halifax: from Collections Centre stating that I haven't been in touch and asking to make contact, with note stating they have "stopped adding overdraft charges" as a concession to help me
13/09/2017 - Halifax: from Collections Centre, "formal demand" to pay off overdraft balance on current account
31/10/2017 - Halifax: warning that account will be closed in 30 days and transferred to recovery team
01/11/2017 - Halifax: warning that account will be closed in 30 days and transferred to recovery team (same as above - not sure why same letter was sent again the next day)
23/12/2017 - Halifax: we've instructed Wescot Credit Services Limited to arrange collection
30/12/2017 - Wescot Credit Services Limited: set up a payment plan
09/01/2018 - Wescot Credit Services Limited: "we know where you live", will continue to undertake activity
19/01/2018 - Wescot Credit Services Limited: discount offered (no amount specified)
28/04/2018 - Halifax: we've instructed Moorcroft Group to arrange collection
02/05/2018 - Moorcroft Debt Recovery Limited: asking to make contact
14/05/2018 - Moorcroft Debt Recovery Limited: warning of possible further action and asking to make contact
28/05/2018 - Moorcroft Debt Recovery Limited: monthly instalment offer (no amount specified)
11/06/2018 - Moorcroft Debt Recovery Limited: failed to make any payment, will return account to client
25/06/2018 - Moorcroft Debt Recovery Limited: failed to make any payment, will pass to our "Home Collections Division"
20/08/2018 - Moorcroft Debt Recovery Limited: discount offered (no amount specified)
03/09/2018 - Halifax: we've instructed Credit Security Limited to arrange collection
03/09/2018 - Credit Security Limited: notice of instruction, asking to make contact
11/09/2018 - Credit Security Limited: notice of further action, asking to make contact, set up a payment plan
21/09/2018 - Credit Security Limited: discount offered (no amount specified)
02/11/2018 - Halifax: statement of account
03/12/2018 - Credit Security Limited: final notice, will return account to client
07/03/2019 - Halifax: we've instructed Robinson Way to arrange collection
07/03/2019 - Robinson Way: asking to make contact
21/03/2019 - Robinson Way: set up a payment plan
06/04/2019 - Robinson Way: settlement available (no amount specified)
01/10/2019 - Halifax: statement of account
03/01/2020 - Halifax: notification that Bank of Scotland plc has assigned all rights, title and interest to Hoist Finance UK Holdings 3 Limited (HFUKH3L), stating "effective 28/11/2019"
03/01/2020 - Hoist Finance UK Holdings 3 Limited: same info as letter above from Halifax
03/01/2020 - Robinson Way: welcome letter confirming offer of 15% discount, stating they are "managing the account" for Hoist Finance UK Holdings 3 Limited
01/04/2020 - Robinson Way: discount offered (no amount specified, receive an "instant decision")
14/07/2020 - Robinson Way: asking to make contact
30/03/2021 - Hoist Finance UK: set up a payment plan
10/06/2021 - Hoist Finance UK: discount offered (approx 19% discounted)
21/07/2021 - Hoist Finance UK: warning that the debt is being reported on credit file, set up a payment plan
08/10/2021 - Hoist Finance UK: set up a payment plan
16/12/2021 - Hoist Finance UK: set up a payment plan
15/02/2022 - Hoist Finance UK: discount offered (20% discounted)
17/06/2022 - Hoist Finance UK: pre legal assessment, after 10 days your account may be transferred to Howard Cohen & Co. Solicitors without further notice, action may be started, could result in legal fees and costs being added
25/06/2022 - CCA request sent to Hoist Finance UK Holdings 3 Limited, along with £1 PO.
01/07/2022 - Reply from Hoist Finance UK (dated 29 June 2022) returning £1 PO as it's "no longer required" and confirming my CCA request. Account is on hold whilst they request the required documents.
06/07/2022 - Letter from The Hoist Finance Team (dated 1st July 2022) stating they may need to ask original lender for information to help them respond fully, and that they will contact with their response within 90 days from the letter date.
20/07/2022 - Letter from The Hoist Finance Team (dated 15th July 2022) enclosed with a pile of printed bank statements. Letter states they are still waiting for original creditor to send them credit agreement, and account is on hold until they receive a response from them.
06/08/2022 - Letter from The Hoist Finance Team (dated 1st August 2022) stating they have not received response from original creditor, they will continue seeking an update, and that all action on the account is on hold while they await a resolution.
10/08/2022 - Hoist Finance UK: set up a payment plan (dated 5th August 2022)
17/08/2022 - Hoist Finance UK: discount available on your account (dated 11th August 2022)
05/10/2022 - Hoist Finance UK: confirmation of unenforceable debt as they have not received required information from original creditor (dated 29th September 2022)
19/12/2022 - Letter from The Hoist Finance Team (dated 12th December 2022) stating that Hoist Finance UK Holdings 3 Limited was acquired by the Lowell group and the account was transferred to Lowell Portfolio I Ltd (LPI).
19/12/2022 - Letter from Lowell Portfolio I Ltd (dated 12th December 2022) stating that Hoist Finance UK Holdings 3 Limited was acquired by the Lowell group and the account was transferred to Lowell Portfolio I Ltd (LPI). Also inviting me to "take control", "take the first step", "manage my account online", etc.
03/01/2023 - Letter from Lowell Portfolio I Ltd (dated 29th December 2022) stating they do things differently, to get in touch, they put me in control, etc.
12/01/2023 - Letter from Lowell Portfolio I Ltd (dated 9th January 2023) stating that I need to contact them as soon as possible or they will review the information on my credit file, continue to try to contact me, and may pass the account to an external debt collection partner.
26/01/2023 - Letter from Lowell Portfolio I Ltd (dated 23rd January 2023) stating I haven't responded and I need to contact them as soon as possible or they will review my financial situation, continue to try to contact me, and may pass the account to an external debt collection partner.
Any thoughts on whether I should maintain silence still? Updated full history below.
Thanks
Type of account - HALIFAX current account
Date commenced - Account opened in Nov 2009
Approx balance - £5000 (around £4500 was authorised overdraft, the rest was unauthorised and was the spiralling that caused the situation at the time)
Date last paid - default recorded December 2017, no payments made since default
Are you on arrangement or not paying - not paying
Account owner - Hoist Finance UK Holdings 3 Limited
History
-------
10/08/2017 - Halifax: from Collections Centre stating that if I pay £130 the account will be up to date (amount is approx.)
04/09/2017 - Halifax: from Collections Centre stating that a payment of £460 is due on the account (amount is approx.)
07/09/2017 - Halifax: from Collections Centre stating that I haven't been in touch and asking to make contact, with note stating they have "stopped adding overdraft charges" as a concession to help me
13/09/2017 - Halifax: from Collections Centre, "formal demand" to pay off overdraft balance on current account
31/10/2017 - Halifax: warning that account will be closed in 30 days and transferred to recovery team
01/11/2017 - Halifax: warning that account will be closed in 30 days and transferred to recovery team (same as above - not sure why same letter was sent again the next day)
23/12/2017 - Halifax: we've instructed Wescot Credit Services Limited to arrange collection
30/12/2017 - Wescot Credit Services Limited: set up a payment plan
09/01/2018 - Wescot Credit Services Limited: "we know where you live", will continue to undertake activity
19/01/2018 - Wescot Credit Services Limited: discount offered (no amount specified)
28/04/2018 - Halifax: we've instructed Moorcroft Group to arrange collection
02/05/2018 - Moorcroft Debt Recovery Limited: asking to make contact
14/05/2018 - Moorcroft Debt Recovery Limited: warning of possible further action and asking to make contact
28/05/2018 - Moorcroft Debt Recovery Limited: monthly instalment offer (no amount specified)
11/06/2018 - Moorcroft Debt Recovery Limited: failed to make any payment, will return account to client
25/06/2018 - Moorcroft Debt Recovery Limited: failed to make any payment, will pass to our "Home Collections Division"
20/08/2018 - Moorcroft Debt Recovery Limited: discount offered (no amount specified)
03/09/2018 - Halifax: we've instructed Credit Security Limited to arrange collection
03/09/2018 - Credit Security Limited: notice of instruction, asking to make contact
11/09/2018 - Credit Security Limited: notice of further action, asking to make contact, set up a payment plan
21/09/2018 - Credit Security Limited: discount offered (no amount specified)
02/11/2018 - Halifax: statement of account
03/12/2018 - Credit Security Limited: final notice, will return account to client
07/03/2019 - Halifax: we've instructed Robinson Way to arrange collection
07/03/2019 - Robinson Way: asking to make contact
21/03/2019 - Robinson Way: set up a payment plan
06/04/2019 - Robinson Way: settlement available (no amount specified)
01/10/2019 - Halifax: statement of account
03/01/2020 - Halifax: notification that Bank of Scotland plc has assigned all rights, title and interest to Hoist Finance UK Holdings 3 Limited (HFUKH3L), stating "effective 28/11/2019"
03/01/2020 - Hoist Finance UK Holdings 3 Limited: same info as letter above from Halifax
03/01/2020 - Robinson Way: welcome letter confirming offer of 15% discount, stating they are "managing the account" for Hoist Finance UK Holdings 3 Limited
01/04/2020 - Robinson Way: discount offered (no amount specified, receive an "instant decision")
14/07/2020 - Robinson Way: asking to make contact
30/03/2021 - Hoist Finance UK: set up a payment plan
10/06/2021 - Hoist Finance UK: discount offered (approx 19% discounted)
21/07/2021 - Hoist Finance UK: warning that the debt is being reported on credit file, set up a payment plan
08/10/2021 - Hoist Finance UK: set up a payment plan
16/12/2021 - Hoist Finance UK: set up a payment plan
15/02/2022 - Hoist Finance UK: discount offered (20% discounted)
17/06/2022 - Hoist Finance UK: pre legal assessment, after 10 days your account may be transferred to Howard Cohen & Co. Solicitors without further notice, action may be started, could result in legal fees and costs being added
25/06/2022 - CCA request sent to Hoist Finance UK Holdings 3 Limited, along with £1 PO.
01/07/2022 - Reply from Hoist Finance UK (dated 29 June 2022) returning £1 PO as it's "no longer required" and confirming my CCA request. Account is on hold whilst they request the required documents.
06/07/2022 - Letter from The Hoist Finance Team (dated 1st July 2022) stating they may need to ask original lender for information to help them respond fully, and that they will contact with their response within 90 days from the letter date.
20/07/2022 - Letter from The Hoist Finance Team (dated 15th July 2022) enclosed with a pile of printed bank statements. Letter states they are still waiting for original creditor to send them credit agreement, and account is on hold until they receive a response from them.
06/08/2022 - Letter from The Hoist Finance Team (dated 1st August 2022) stating they have not received response from original creditor, they will continue seeking an update, and that all action on the account is on hold while they await a resolution.
10/08/2022 - Hoist Finance UK: set up a payment plan (dated 5th August 2022)
17/08/2022 - Hoist Finance UK: discount available on your account (dated 11th August 2022)
05/10/2022 - Hoist Finance UK: confirmation of unenforceable debt as they have not received required information from original creditor (dated 29th September 2022)
19/12/2022 - Letter from The Hoist Finance Team (dated 12th December 2022) stating that Hoist Finance UK Holdings 3 Limited was acquired by the Lowell group and the account was transferred to Lowell Portfolio I Ltd (LPI).
19/12/2022 - Letter from Lowell Portfolio I Ltd (dated 12th December 2022) stating that Hoist Finance UK Holdings 3 Limited was acquired by the Lowell group and the account was transferred to Lowell Portfolio I Ltd (LPI). Also inviting me to "take control", "take the first step", "manage my account online", etc.
03/01/2023 - Letter from Lowell Portfolio I Ltd (dated 29th December 2022) stating they do things differently, to get in touch, they put me in control, etc.
12/01/2023 - Letter from Lowell Portfolio I Ltd (dated 9th January 2023) stating that I need to contact them as soon as possible or they will review the information on my credit file, continue to try to contact me, and may pass the account to an external debt collection partner.
26/01/2023 - Letter from Lowell Portfolio I Ltd (dated 23rd January 2023) stating I haven't responded and I need to contact them as soon as possible or they will review my financial situation, continue to try to contact me, and may pass the account to an external debt collection partner.
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