PowerOfCats UE Diary

[PowerofCats]

Diana Mayhew , one quick question. When I received my recon CCAs from MBNA, was I to have also received the T&C's as they were at the time of termination? Or just the ones when I signed up for the cards?

[The Tech Clerk]

start and any amendments if I remember correctly

[PowerofCats]

Thanks Tech Clerk!

[PowerofCats]

Received a call from Robinson Way on behalf of Hoist today on my new number.
where would they have gotten that from? And are they allowed to call since GDPR came in?

I ignored it but searched the call after and it comes up as Robinson Way

[PowerofCats]

Received a call from Robinson Way on behalf of Hoist today on my new number.
where would they have gotten that from? And are they allowed to call since GDPR came in?

I ignored it but searched the call after and it comes up as Robinson Way

[PowerofCats]

Now receiving emails to an old email account from Robinson Way. Appears they're chasing on behalf of Hoist for the ex egg account whereby I'm still waiting for my CCA request

[Joanna Connolly Solicitors]

Now receiving emails to an old email account from Robinson Way. Appears they're chasing on behalf of Hoist for the ex egg account whereby I'm still waiting for my CCA request

Which debt is this?

Can you post the account history or a link to the post on your thread or the post number.

Di

[PowerofCats]

Diana Mayhew , debt 14. Will update properly when able.
No response to CCA, ex Egg debt, now receiving calls and emails from Robinson Way

[Joanna Connolly Solicitors]

Diana Mayhew , debt 14. Will update properly when able.
No response to CCA, ex Egg debt, now receiving calls and emails from Robinson Way

I've quoted Debt No 14 below to help to put things in context.

It appears that Egg assigned the loan/debt to Barclays who assigned the debt to Idem Servicing who recently assigned it to Hoist Financing UK Holdings 3.

If Hoist decide to issue legal proceedings they would need to be able to prove that whole assignment chain in order to be successful.

And then there is also the issue of the credit agreement being unenforceable

/

14. Debt: Egg Loan - bought by Barclays - Currently Hoist Finance UK Holdings 3 Limited.
Account Opened: Unsure - dropped off credit file. Was pre-2008 however
Balance at time of starting DMP: £6000?
Current balance: £2957
Defaulted? YES - Dropped off and gone
Last payment received: September 2018 via Stepchange for nominal low amount
22/10/18 - Notice of Arrears
10/01/19 - CCA request signed for. Signature receipt saved as PDF
14/01/19 - letter received whereby they acknowledge request and sent back the £1 postal order as they have stopped charging for CCA requests
28/01/19 - Letter from IDEM unfortunately we are unable to supply a copy of the credit agreement and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request. Currently UNENFORCEABLE
26/02/19 - letter from IDEM stating that they have conducted a review of the interest and payment and confirm the last date I paid was 16/10/18 and so due to non-payment they are reinstating the previous interest rate of 9.510%? If I want to maintain 0.00% to contact them within 14 days.
04/04/19 - Letter dated 01/04 - Your account is in arrears. Please call to make a payment or discuss alternative payment options available to you
25/04/19 - Letter dated 18/04 - arrears notice and letter detailing the current state of the account. I notice they have started to apply interest again and added £21.22 making the total now £2940.50. Still awaiting CCA request as nothing received.
19/06/19 - Letter dated 14/06 - We do not have a payment plan in place to repay your account. Then details options available to me and them. They have continued to apply interest and balance now £2982. Still awaiting CCA request as nothing received and so currently still UNENFORCEABLE
24/07/19 - Notice to terminate your account. Payment demand for balance of £3020.90 demanded.
31/07/19 - No current payment arrangement in place. Unless rectified in 7 days 1)recoveries department 2)external debt collection
14/08/19 - Letter received from IDEM Servicing with a balance of £3004 stating that payment is required.
21/09/19 - Increasingly concerned we've not spoken to you. Failure to contact MAY result in 1) a representative visiting 2) external DCA
18/09/19 - Attempted to contact. Call in 10 days or we will appoint Resolvecall to visit.
14/10/19 - letter dated 11/11/19 stating that as of the 20/09/19 my account has been purchased by HOIST FINANCE UK HOLDINGS 3 LIMITED.

Di

[PowerofCats]

Hi All

No real update from me at the moment, as nothing new through the post etc. I've been getting a few automated message voicemails from Wescot but ignoring them.

I'm going to be moving home in the next few months and will obviously put a RM re-delivery on my address. Thinking of keeping that going for the max 4 years to pick up any letters that might be sent to me.

Hope all is well.

[nightwatch]

HI,
RW are good at the automated messages as well as wescot, but mine never say who the call is for, so they got reported as harrasment to TPS, by someone who shall remain nameless ,
wish you well with the house move
NW

[Joanna Connolly Solicitors]

mine never say who the call is for, so they got reported as harrasment to TPS

That's an interesting approach

Here's a link to The Telephone Preference Service, which is really for reporting nuisance/unsolicited marketing calls, but it may work for other unwanted callers too > https://www.tpsonline.org.uk/tps/index.html

Di

[PowerofCats]

Debt 5 - calls and automated voicemails from '2F' asking me to verify my address.

Ignored

[Warwick65]

Do they have your address or a mail redirect in place? I reckon it’s just an effort to get you to talk.

Instead of saying debt 5 it would be easier for us if you could quote the post so we can see the details.

That would help us give better advice

[Joanna Connolly Solicitors]

5. Debt: Bank of Scotland Credit Card - Now with CSL
Account Opened: 08.05.09
Balance at time of starting DMP: £3784
Current balance: £3019
Defaulted? YES - Drops off January 2019
Last payment received: September 2018 via Stepchange for nominal low amount
17/01/19 - letter from Moorcroft 'We acknowledge receipt of your recent letter requesting data as per Section 77-79 Consumer Credit Act 1974, and can confirm that we have requested the relevant documentation from our client will forward it to you when it is received.
We must also stress that we are not seeking to enforce an agreement and have only asked that payment is made towards a debt that is outstanding by way of an affordable repayment plan. However, if you believe we are unable to ask that your account is repaid in this manner please provide us with specific details so the client can address any specific concerns you may have. This request is asked to also minimise potential costs and delays.
25/0219 - letter from Moorcroft received with recon terms etc, signed statement of account, copy of original application recon version of original agreement. Will send over to Niddy for thoughts.
14/03/19 - Letter from Moorcroft - to prevent further debt recovery action, please send payment proposal before 21/03/19
30/03/19 - email back from Niddy. He believes this one is ENFORCEABLE
30/03/19 - Letter from Moorcroft asking I get in contact to arrange an affordable repayment plan
12/04/19 - Letter from Moorcroft stating I've not been in contact so they *may* do one of the following: continue to send letters or send a doorstep representative
22/07/19 - Letter from BOS stating they have transferred my BOS account to DCA Credit Security Limited
31/07/19 - Notice of further action - disappointed in no response. Contact us
05/08/2019 (letter dated 31/07/19) Letter from CSL (Credit Security Limited) asking I get in contact to arrange repayment of what I owe
12/08/19 - Letter from CSL offering a 'reduced sum' settlement (no figures given) if I call within the next 10 days. Offers of partial settlement registered with CRAs and balance to £0
24/10/19 - final note from CSL - letter that states to get in contact or the account will be returned to the client for further recovery which may include 1)continued collection attempts 2)passing to another DCA 3)selling account to a collection specialist - filed for now
14/03/20 - calls from '2F' asking me to verify my address and call them. Letter received also..

^ ^ ^ ^ I believe this is the debt you are posting about (it helps if you quote the history each time there is an update).

You've received calls from a Debt Collection Agency. You've also received a letter from them so what does that letter say?

You've previously posted that the credit agreement is enforceable, but things may change if the debt is assigned to a debt purchaser.

Di