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Jimbo's UE Diary

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  • Jimbo's UE Diary

    Barclays credit card 1
    • Date started - somewhere between 2002 and 2009
    • Balance at default – 2k approx.
    • Date last payment - June 2009
    • Status - Barclays say UE in Jan 2015 (nothing since)

    Barclays credit card 2
    • Date started – June 2004
    • Balance at default – 3k approx.
    • Date last payment - June 2009
    • Status - Barclays sold to Hoist in 2018


    Loss of job forces defaults on all credit

    Dec 2014

    Send CCA for both cards

    Card 1 comes back UE
    Card 2 reconstituted agreement returned

    Feb 2015

    Send SARS with £10 postal order for card 2 – hear nothing

    Oct 2018

    Receive letter from Barclays stating card 2 now sold to Hoist

    Feb 2019

    Start to get letters from Hoist through Robinson Way

    Mar 2019

    Submit CCA Request under article 78 to Hoist on card 2
    Response from Hoist in April 2019 in form of a signed incomplete application for credit with missing T&C’s completely different from the one supplied in 2015

    June 2019

    After much searching around Google find ADD, register and ping Di an email.
    Speak to Di on the phone who advises sending in a GDPR request
    Submit GDPR request using Niddy’s template to the Barclays data controller

    July 2019

    Receive response from Barclays in the form of a set of electronically generated statements no correspondence is supplied at all, only statements

    Send in a scan of the CCA supplied by Hoist to ADD
    Niddy emails to say CCA looks UE as it is incomplete (has missing sections)

    This is where I am at, any advice on next steps would be greatly appreciated

  • #2
    What step do you want to take?
    Personally I’d not be taking any steps, in fact I’d be sitting back and relaxing, wait for them to step then decide.


    • #3
      await their move?
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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      • #4

        You have two debts owned by two different legal entities (Barclaycard and Hoist) so is it possible to make separate posts for each of them because any suggestions made will differ.

        They may have both started life with Barclaycard but that's the only common denominator.

        I look forward to helping you.

        Legal Disclaimer

        I am a Litigation Executive at
        Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at or by telephoning 0330 053 9340. Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at


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