Toots UE Diary

[Pat]

Hi all,

I have a couple of questions about change of address re two accounts?

The overdraft with Santander - they haven't received any communication from me for over 6 years. If I send a change of address will this set the clock ticking again?

MBNA account with Hoist - I have had no communication from Lowell regarding this account since they bought Hoist out, only the one for Barclaycard which they're actively pursuing. Who do I send the change of address to, as their reference will be different to Hoist? CCA was never sent to me after my request in 2021.

Sorry if these seem like dim questions, just want to do it right.

Many thanks

T

Have you set up a mail redirect?
Santander regularly send me statements for my O/D that was defaulted in 2014 , when I move I will set up mail redirect
TBH , while you would expect Lowell to know Hoist had not fulfilled your S78 request, in this day and age it is probably all automated and the computer will have no idea. However, at this time there is no need to tell them.

[Roger]

Hi all,

I have a couple of questions about change of address re two accounts?

The overdraft with Santander - they haven't received any communication from me for over 6 years. If I send a change of address will this set the clock ticking again?

MBNA account with Hoist - I have had no communication from Lowell regarding this account since they bought Hoist out, only the one for Barclaycard which they're actively pursuing. Who do I send the change of address to, as their reference will be different to Hoist? CCA was never sent to me after my request in 2021.

Sorry if these seem like dim questions, just want to do it right.

Many thanks

T

Well are they writing to you?
Thats all you need to know really!
If Santander aren't and haven't written sit on the letter and your hands
Same really with Lowell (Hoist) as you point out is in Law EU because they have never fulfilled your S.78 (I presume you sent the £1) request and Lowell will know this from Hoist's records. So you don't have any reason to write do you!
If this changes come back onto here!

[Toots]

Hi all,

I have a couple of questions about change of address re two accounts?

The overdraft with Santander - they haven't received any communication from me for over 6 years. If I send a change of address will this set the clock ticking again?

MBNA account with Hoist - I have had no communication from Lowell regarding this account since they bought Hoist out, only the one for Barclaycard which they're actively pursuing. Who do I send the change of address to, as their reference will be different to Hoist? CCA was never sent to me after my request in 2021.

Sorry if these seem like dim questions, just want to do it right.

Many thanks

T

[Toots]

Hi again

What I was trying to get clear in my mind (and you have helped to some extent) was - how you receive your mail. From what you say, it seems that you receive the mail whichever address is used. So I was thinking (and perhaps this is something you could clarify with the Redirections Department of RM) that if you set up one redirect when you move, citing Toots at the address registered on the Royal Mail database - then should that not pick up ALL your mail which you currently receive ?

Hi Still Waving,

Thanks, I hope that's the case.

[Toots]

Just rustled you one up = straight to the point = Note:- get free proof posting at Post Office:- keep copy letter etc on file in date order.


Your Name/Address



Their Name/Address:-


Their reference:-


Dear Sirs/Madam.,


Subject:- FORMAL NOTIFICATION OF ADDRESS CHANGE.


Reference Account Number:- xxxxxxxxxx In respect of Company xxxxxxxx (Card etc?)


Notice is given of change of address from (Old Address) xxxxxxxxxxxx


To xxxxxxxxxxxxxxxxxxxxx (New Address)with Immediate effect for your records.




Signed:- xxxx xxxxx



Dated this the xx xxx 2023.

Hi Tech Clark,

Thank you. Much appreciated.

[Still Waving]

Hi Still Waving, I haven't moved yet, and there are no redirects to this property. I live in a terrace so the address that Lowell are using is the one registered on the Royal Mail database. Hoist were using the one I gave them over 6 years ago, which is the front door address. None of my other creditors have used the back door address where Lowell are writing to as I've never given this one to them, including Hoist.

Hi again

What I was trying to get clear in my mind (and you have helped to some extent) was - how you receive your mail. From what you say, it seems that you receive the mail whichever address is used. So I was thinking (and perhaps this is something you could clarify with the Redirections Department of RM) that if you set up one redirect when you move, citing Toots at the address registered on the Royal Mail database - then should that not pick up ALL your mail which you currently receive ?

[The Tech Clerk]

Just rustled you one up = straight to the point = Note:- get free proof posting at Post Office:- keep copy letter etc on file in date order.


Your Name/Address



Their Name/Address:-


Their reference:-


Dear Sirs/Madam.,


Subject:- FORMAL NOTIFICATION OF ADDRESS CHANGE.


Reference Account Number:- xxxxxxxxxx In respect of Company xxxxxxxx (Card etc?)


Notice is given of change of address from (Old Address) xxxxxxxxxxxx


To xxxxxxxxxxxxxxxxxxxxx (New Address)with Immediate effect for your records.




Signed:- xxxx xxxxx



Dated this the xx xxx 2023.

[Toots]

If you send change of address then make sure you get Recorded Delivery or free proof posting., I know one company who ignored but I had proof with signature from few year before.

Hi Tech Clerk, thanks. Is there a non-committal letter on here that I can use?

[Toots]

It seems to me that Lowell have no case to write to an address other than the one being used by Hoist. Has anyone before Hoist used the address Lowell are using, for this particular account?
Is your "door with the letterbox" within the property address that Lowell are using, and do you currently have a redirect to your letterbox?

Hi Still Waving, I haven't moved yet, and there are no redirects to this property. I live in a terrace so the address that Lowell are using is the one registered on the Royal Mail database. Hoist were using the one I gave them over 6 years ago, which is the front door address. None of my other creditors have used the back door address where Lowell are writing to as I've never given this one to them, including Hoist.

[Toots]

I do understand BUT you see don't put the idea in their HEAD. They might chance their arm by seeking a CCJ if they are aware of confusion over addresses!

Knowledge here is to you advantage!
Yes it might be an issue to put two redirects in place BUT it could be a decisive issue if the Court became involved. Evidence of you behaving responsible with posts sent to you.

SILENCE doesn't mean your NOT receiving POST from them!
It means that what they are sending to you doesn't require you to reply!

Thanks Roger, I've yet to post on the diary about the letters I've received from Lowell so far, but I think they're ramping up for something. I'll ask about the redirect at the sorting office.

[The Tech Clerk]

If you send change of address then make sure you get Recorded Delivery or free proof posting., I know one company who ignored but I had proof with signature from few year before.

[Still Waving]

Hi Pat, Hoist always contacted me at my correct address. It's only since changing over to Lowell that they're using the other one.

It seems to me that Lowell have no case to write to an address other than the one being used by Hoist. Has anyone before Hoist used the address Lowell are using, for this particular account?
Is your "door with the letterbox" within the property address that Lowell are using, and do you currently have a redirect to your letterbox?

[Roger]

Hi Roger, I'm moving soon which means I would likely have to put two postal redirects in place, and I can't do that indefinitely. So, they will need to know otherwise they're free to go through the courts and get me another CCJ if I don't know about any communication from them. The address they're writing to is the registered address for the property. The one Hoist were writing to is the door with the letterbox in it. I'll ask my postie when I next see him about where the forwards are processed. If it's the local sorting office then I might be in luck.

I do understand BUT you see don't put the idea in their HEAD. They might chance their arm by seeking a CCJ if they are aware of confusion over addresses!

Knowledge here is to you advantage!
Yes it might be an issue to put two redirects in place BUT it could be a decisive issue if the Court became involved. Evidence of you behaving responsible with posts sent to you.

SILENCE doesn't mean your NOT receiving POST from them!
It means that what they are sending to you doesn't require you to reply!

[Toots]

Fishing letters! Ignore and don't communicate because in order to SUE they would have to have your address.
SILENCE don't nibble at their bait!

Hi Roger, I'm moving soon which means I would likely have to put two postal redirects in place, and I can't do that indefinitely. So, they will need to know otherwise they're free to go through the courts and get me another CCJ if I don't know about any communication from them. The address they're writing to is the registered address for the property. The one Hoist were writing to is the door with the letterbox in it. I'll ask my postie when I next see him about where the forwards are processed. If it's the local sorting office then I might be in luck.

[Toots]

They have ways and means. Did Hoist communicate with you at this address. My partner has an address that not all databases get correct and I got two census forms, one with my door number and one as a flat.

Hi Pat, Hoist always contacted me at my correct address. It's only since changing over to Lowell that they're using the other one.