Jimbo's UE Diary

[JimmyJSC]

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

2009

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

[Timewilltell]

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.

[The Tech Clerk]

await their move?

[Joanna Connolly Solicitors]

Hello

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.

Di

[Joanna Connolly Solicitors]

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

2009

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

I assume that Barclaycard have sent you a response to your Subject Access Request by now.

Have Robinson Way stopped chasing you for Barclaycard No 2 which was assigned to Hoist?

And has Barclaycard No 1 been assigned to a debt purchaser such as Hoist or PRA yet, or is it still owned by Barclaycard?

Di

[Joanna Connolly Solicitors]

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

2009

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

. . . .

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

Do you need to ping me another email if there have been any developments on these two debts since then

Hoist have been issuing claims recently so I thought I should check on your situation since we last spoke, just in case things start to liven up.

Di