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Barclaycard (MKDP) Sold to Hoist Portfolio

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  • NW - you are a devil looking at their Bank account minus postage etc everytime.​​​​​​​
    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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    • the old "Snotcall" oopppssss Scotcall now Resolve call, commission seekers. always tell them to leave
      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.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • Quote "i'm just wanting to check if any unknown defaults have popped up and/or encourage those that hadnt defaulted me 6 years ago when i started the journey to do so now and backdate.2

        if they were marked as Arrangement to pay and you didn't they should of been defaulted once payments stopped and, before being sold on,
        you may find that if they sold them on they MAY have now fallen off your file, good luck with the fact finding, please let us know what you find BEFORE fireing off any letters to anyone xxx
        Last edited by nightwatch; 24th November 2018, 18:41.
        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.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • Hi NW

          Had a look a credit rating. Question. Does the 2 paper report provide any different/additional information to the online stuff?
          No sign of Barclaycard debt, but i guess that wont stop Robbers Ways twitching with glee and chasing me with more vigor now that I've signed up to Noddle and the rest:-)

          Arh well.

          Yes. i am mindful of your guidance and will update as the need arises prior to taking any action.

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          • The problem with the free Noddle and clearscore reports is they are always out of date by about a month. They are not entirely representative of what a company would see.

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            • soft searches lenders cannot see on credit files
              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.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • Hi Tech Clerk

                I have no idea what is going on, but having signed up at the weekend for my credit reports i -this morning received a letter from Robbers way offering a massive discount if i 'paid up'

                Robbers way have never offered me such a discount before, and i wonder if this is due to them realising that i have now seen my credit report and can see that the debt no longer shows up due to being stat barred.

                Maybe Robbers way can somehow see that/when i have logged in, as mentioned in an earlier post?

                i honestly don't know - i just find it a strange co incidence (which is all it may actually be?)

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                • Hi realfedup

                  I will admit I have not read all the thread but I just want to say- a debt is not necessarily SB because it no longer appears on your credit report. Most of mine fell off in 2014/15 but didn't actually become SB until 2018 because I had made payments after the default.

                  What I will say is this, it is that time of year when debt purchasers seem to send lots of letters, personally I think it is to spook people as we approach that capitalist heaven of Christmas where we all spend more than we can afford on presents people do not need in the hope they will think , we think they are very special

                  I will say, my Callcredit report does show soft searches every month from call credit - to verify my identity. I will also say, I believe the claim I received was after I applied for and was granted a credit card. I think they thought if I had been given credit I must have money

                  So just how long is it sine you last made a payment or acknowledged the debt?

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                  • HI Warwick

                    Point taken.

                    Last payment made was in 2012. No payments made after default (2012)

                    Will be checking my records to make sure no acknowledgment (inadvertent or otherwise) to Barclaycard after 2012.

                    I presume that you applied for credit between 2014 and 2018, which is the period the claim came through - do hope you managed to tell them where to get off:-)


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