Barclaycard (MKDP) Sold to Hoist Portfolio

[mike'y]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Robinson Way letter received (both mine and OH's card) - I expect this is their latest template letter

NO MINIMUM PAYMENT REQUIRED - AVERAGE PAYMENT PLAN £17 PER MONTH.

Nothing at all threatening just telling me all the good reasons I should pay them - No interest or charges so debt reduces, credit file will be updated showing reducing default balance and no more collection letters and calls.

Take control today, contact us before 26/2 to tell us what YOU can AFFORD.

That's very very nice of them. The little tinkers

[Roger]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Well if this is what they have said then I would take them at their word and pay nothing!

But if you Nothing as they request you are admitting to the Nothing Debt.
I think their logic is infecious! Doh!

[SaltnVinegar]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Robinson Way letter received (both mine and OH's card) - I expect this is their latest template letter

NO MINIMUM PAYMENT REQUIRED

Well if this is what they have said then I would take them at their word and pay nothing!

[Never-In-Doubt]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

So it doesn't get lost in the long thread!

Hi

Regards the issues with Hoist & Cabot - and all previous posts made by me on this; having discussed this in detail with our Solicitor we would suggest you follow the process below. Please remember that the below is generic designed to help protect you from certain actions. As each case may be different, try and use common sense before proceeding with any next steps - if unsure then send me a PM. Click HERE to PM me.

Option 1 - CCA Sent in the past which was Unenforceable / Incomplete
In this situation it would be wise to leave things well alone and literally respond with a simple 'this is in dispute' template. The template to send is HERE

Option 2 - CCA Sent in the past which was Enforceable and remains with the same DCA as the last CCA Request
In this situation it would be wise to send a new CCA Request to the DCA unless you did one in the last 90 days, in which case you need to determine whether writing back is wise or not. So if the CCA was last requested within the last 3 months then I'd suggest you update your diary and PM me so I can check things for you. If however you last sent a CCA request over 3 months ago, send another (to the DCA). Template to send is HERE

Option 3 - CCA Sent in the past which was Enforceable and has been sold to a new DCA since your last CCA Request
In this situation it would be wise to reissue a new CCA Request to the new DCA as documents do get lost in translation so what was once EN / UE, may no longer be. Template to send is HERE

Option 4 - No CCA ever sent
If you have never sent a CCA Request then do one asap! This would be sent to the DCA with a £1 fee. Template to send is HERE

Additional - SAR Request to Original Creditor
For all cases above, if you have not requested SAR from the Original Creditor then it would be wise to send a request (it costs £10) - this will save time long term but only do this if the DCA (Cabot or Hoist Portfolio) have written to say they've sold the account to Restons / PRA / Shoosmiths. Template to send is HERE

Additional - LBA Response to solicitor acting for Hoist / Cabot
This is a new template specifically designed to respond to a legal threat from Hoist or Cabot's law firm (PRA / Restons / Shoosmiths). Only send this if you get an LBA from one of the solicitor firms mentioned. ** LBA TEMPLATE **

I hope the above makes sense but if not please PM me. I do not want to discuss tactics publicly here where the solicitors named herein are known to browse AAD

[marypoppins]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Robinson Way letter received (both mine and OH's card) - I expect this is their latest template letter

NO MINIMUM PAYMENT REQUIRED - AVERAGE PAYMENT PLAN £17 PER MONTH.

Nothing at all threatening just telling me all the good reasons I should pay them - No interest or charges so debt reduces, credit file will be updated showing reducing default balance and no more collection letters and calls.

Take control today, contact us before 26/2 to tell us what YOU can AFFORD.

[Feline13]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Righto. That sounds like a plan to me. I'll get that sorted this week and see what happens.

Thanks again. And I'll post again if I get anything else through

[PlanB]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Yeah looks contact hsbc and find out the dates is my only option. . . . .

Plus if it's coming up to the 6 years. May be worth holding out rather than holding my hands up to the debt so late on.

HSBC no longer own the debt. They sold it to MKDP who then assigned it to Hoist.

So a SAR to HSBC shouldn't do you any damage since Hoist won't know you've sent it.

Also a SAR doesn't acknowledge a debt for the purpose of statute barred.

Plan B x

[Feline13]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Yeah looks contact hsbc and find out the dates is my only option. Even then all I can give them is my personal details. I don't know any account numbers or anything. So not sure if they will talk to me.

Plus if it's coming up to the 6 years. May be worth holding out rather than holding my hands up to the debt so late on.

What a mess ...

[PlanB]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

I have received letters giving me 4 options to set up payment for these debts.from mkdp/Robson way

If you're satisfied that those two letters are simply NOAs then there's no need to reply just yet.

Robinson Way will continue to write to you so let's see what the next letter says.

If they are ignored for too long then they may instruct Howard Cohen solicitors to chase you so it makes sense to try to establish when you made your last payment to these accounts in case they're SB already or soon - can you check your old bank statements?

To get an accurate answer you may wish to send a Subject Access Request to HSBC. If you do that now you'll be fully prepared for any legal situation which may arise in future. You might as well know the good/bad news sooner rather than later so you can decide how to manage this situation.

Here is the AAD SAR template letter > http://forums.all-about-debt.co.uk/s...l=1#post495040

Plan B x

[Feline13]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

No I have never sent any form of letter answered any phone calls or emails since I stopped using hsbc. The don't have my new number or email now btw.

I think my biggest problem is going to be finding my account details and old letters.
I thought it was a good idea to throw a lot of them away but I'm sure I can get my hands on something still hidden away.

[PlanB]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

On 11/02/16 I recieved two letters from MKDP saying the accounts had been sold to hoist portfolio
One for £8,800 the other for £3,700

Then on the 15/02/16 I recieved another two letters both envelopes had two parts to them.
1.One with Robinson way heading it followed by 4 payment options.

2.The other part headed by hoist portfolio,this one says notice of assignment.

Our posts crossed

So we now know that these two debts are owned by Hoist and not MKDP.

It seems as if you've received a NOA i.e a "Goodbye" letter from MKDP and a "Hello" letter from Hoist and Robinson Way as their agent.

If I were you I'd dig out all the paperwork you've got to establish when you last paid anything to either of these debts. That would be my starting point.

Have you ever sent HSBC or anyone who has chased you in the past a s 77-79 CCA request?

Plan B x

[PlanB]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

I don't mind setting up a payment plan as I'm quite bored of running from these debts now

We're not bored of fighting the banks, creditors and debt purchasers

Tell us how much is owed on each (credit card and overdraft).

Plan B x

[Feline13]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

Hi. Thanks for you help.

On 11/02/16 I recieved two letters from MKDP saying the accounts had been sold to hoist portfolio
One for £8,800 the other for £3,700

Then on the 15/02/16 I recieved another two letters both envelopes had two parts to them.
1.One with Robinson way heading it followed by 4 payment options.

2.The other part headed by hoist portfolio,this one says notice of assignment.

[Pixie]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

If it were me I wouldn't be thinking about repaying them now if you last paid in 2010/11 as they'll be nearing the Statute Barred date.

Have any of the letters been threatening court/legal action?

[PlanB]

Re: Barclaycard (MKDP) Sold to Hoist Portfolio

I'm slightly confused on what to do regarding my letters from mkdp

I have had 2 letters regarding 2 debts that I THINK I last paid around 2010/11
The debts are from HSBC and again I THINK are from 1 loan and one credit card.

. . . I have received letters giving me 4 options to set up payment for these debts.from mkdp/Robson way

Hello Feline and to AAD

It's hard to point you in the right direction without knowing the 'threat level' of your situation, so if it's ok with you can you answer a couple of questions.

Who is currently writing to you? MKDP was bought by Hoist in July last year (2015) so since then account holders have been sent (or not) a Notice of Assignment to inform them of the change of owner. Those NOAs usually advise you that Robinson Way (also owned by Hoist) will be taking things forward. So are your letters coming from MKDP or Hoist or Robinson Way?

I have had 2 letters regarding 2 debts that I THINK I last paid around 2010/11

You say you think you last paid anything to either of these debts around 2010/2011. If it was 2010 then there's a chance that these debts may be statute barred or more likely almost statute barred which could dictate your next move. If they're nearly SB then you may want to filibuster with letters (we'll guide you) until they are definitely SB. However If you ignore letters then you may find the debt owner issues legal proceedings to beat the SB deadline.

A good starting point would be to tell us who sent the last letter(s) and what did it actually say?

Plan B x