My Diary

[MRM]

Hi.. I joined this site many years ago as I took on my journey.
I have had the odd letter off creditors but nothing serious, until today!! nearly 6 years has passed so was expecting some noise at some point.

Diary entry to follow...

[The Tech Clerk]

keep us updated

[MRM]

Type of account - Bank Loan (Midland now HSBC)
Date commenced - 1998
Approx balance - £6000
Date last paid - July 2016
Are you on arrangement or not paying - Not paying
Account owner - Robinson way/hoist finance uk holding 2 limited

07/16 - Without prejudice offer sent
07/16 - Offer Declined
07/2016 - CCA request sent recorded delivery (£1 postal order enclosed)
12/16 - Account on hold while they wait for responce from OC
01/17 - Account remains hold hold while they wait to hear from OC
02/17 - Account remains on hold
10/18 - Notice of assignment - Writing to let me know hoist portfolio holding limited has assigned all rights to hoist finance uk holding 2 limited
06/19 - We are writing to you about your account and we have realised things have gone wrong.. we notice you have not been sent all of the notice of arrears that you should of been. statements enclosed dated from sept 14 - march 19.
1/20 - Writing to let me know i have not been sent all the documents that should have been sent, statement enclosed 03/19 - 9/19
04/20 - Please find enclosed your NOSIA & annual statement
10/20 - Please find enclosed your NOSIA
05/21 - Please find enclosed your NOSIA & annual statement
10/21 - Please find enclosed your NOSIA
04/22 - Choose a way to pay.. you may be eligible for a discount
04/22 - Please find enclosed your NOSIA & annual statement
04/2022 - Pre legal assessment. Writing to let me know my account meets the criteria for legal action to be taken. Giving me 10 days from the date of the letter to respond before it is transfered to howard cohen solicitors
05/2022 - SAR request sent to HSBC
05/2022 - letter of claim received
14/06/22 - no reply from HSBC to complaint submitted to ICO. They have a large number of complaints so could take up to 3 months

[Roger]

I note "..07/2016 - CCA request sent recorded delivery (£1 postal order enclosed).." Its seems that this is still outstanding!
A SAR sent to HSBC might be appropriate!
Iron Mountain fire may have a bearing!

They would have to send you a Letter Before Claim (LBC) before suing!
Wait and see what happens next and especially any correspondence from Howard Cohen!
A LBC would then be an appropriate time to contact @Coiin G Quinn - first contact is always free

[MRM]

I note "..07/2016 - CCA request sent recorded delivery (£1 postal order enclosed).." Its seems that this is still outstanding!
A SAR sent to HSBC might be appropriate!
Iron Mountain fire may have a bearing!

They would have to send you a Letter Before Claim (LBC) before suing!
Wait and see what happens next and especially any correspondence from Howard Cohen!
A LBC would then be an appropriate time to contact @Coiin G Quinn - first contact is always free

Thank you. Is there a template for a SAR? Am I correct that the £10 fee has now been scrapped?

[Roger]

Thank you. Is there a template for a SAR? Am I correct that the £10 fee has now been scrapped?

See previous entry from The Tech Clerk

Subject Access (SAR) - Typical Request -- ADJUST i.e:- DELETE THE LINE £10 fee ( No longer required since 2016) aslo amend the 40 days to read 30 get free proof posting keep copy on file and update diary

[MRM]

Thanks Roger.
SAR request will be posted tomorrow 1st class signed for

[Roger]

Thanks Roger.
SAR request will be posted tomorrow 1st class signed for

Which of the Hoist Companies was Assigned the Debt from HSBC?
It won't be the One writing to you!

Note the following
HOIST FINANCE UK HOLDINGS 1 LIMITED & HOIST FINANCE UK HOLDINGS 2 LIMITED
3 July 2019, 22:07
https://all-about-debt.co.uk/forum/d...ed#post1526256

[MRM]

Which of the Hoist Companies was Assigned the Debt from HSBC?
It won't be the One writing to you!

Note the following
HOIST FINANCE UK HOLDINGS 1 LIMITED & HOIST FINANCE UK HOLDINGS 2 LIMITED
3 July 2019, 22:07
https://all-about-debt.co.uk/forum/d...ed#post1526256

My paperwork states hoist finance uk holding 2 limited.

Diary updated to show SAR request sent signed for to HSBC today

[Roger]

My paperwork states hoist finance uk holding 2 limited.

Dairy updated to show SAR request sent signed for to HSBC today

Update your Diary to show the Current Owner "HOIST FINANCE UK HOLDINGS 2 LIMITED"
Make a Note for yourself of the following
"..
not authorised by the Financial Conduct Authority to exercise the rights of a lender. They rely on the para 55 FSMA 2000 servicing exemption.
..
"

[MRM]

Letter of claim received today dated 13/5 from Howard cohen (who act for hoist finance uk holdings 2 limited) giving me until 13/6 to reply.

[The Tech Clerk]

Letter of claim received today dated 13/5 from Howard cohen (who act for hoist finance uk holdings 2 limited) giving me until 13/6 to reply.

contact Colin G Quinn initial talk free

[MRM]

contact Colin G Quinn initial talk free

Thanks. I emailed Colin on Monday.. Will update when I hear back!

[Colin G Quinn]

Hi,

I am back in the office now, although I did respond to your email on the 18th. Have you seen that email?

[MRM]

Hi,

I am back in the office now, although I did respond to your email on the 18th. Have you seen that email?

I received 2 email (out of office) I have just found it, Unfortunately the email went to my junk folder