Letter of Claim - Hoist Finance UK Holdings 3 Limited (Howard Cohen & Co Solicitors)

[nightwatch]

Hi Fencey.
did your paperwork include the Credit agreement you ticked/ signed when you opened the account.

if you start a new topic post of your own maybe more people can help you.

welcome to AAD

NW

[Fencey]

Ah thanks, yes I will do that (start a new topic)I have looked at some of the diary approaches and they look good to me too. This is by far the most purposeful of these forums. Excellent work. Definitely no signed credit agreement. Several pages of terms and conditions which are probably intended to LOOK like a credit agreement. Apparently my account is on hold until Monday 'at which point Howard Cohen...' you know the score.

[Joanna Connolly Solicitors]

I don't want to confuse this thread, thought I would make a start here though as it's on topic, with the exception my debt is £10.7K, it dates from 2017 and I have sent a CCA (I think that's what I sent, I definitely didn't send £1) Regardless of what I sent I have had a reply . . . .

Oh look, I have gone and interrupted this thread

You're not interrupting, you're joining the conversation.

If you didn't send the £1 statutory fee with your s77-79 CCA Request it won't be valid.

I've posted on your new thread here > https://all-about-debt.co.uk/forum/f...31#post1533431

Di

[Joanna Connolly Solicitors]

Hello Di,

Thank you so much for replying so promptly.

The letter says the agreement was from 1996 which sounds about right....

Paperwork before.....many letters from Robinson Way...maybe some other DCAs.....I have a big pile in the hall which I can go through if it helps....Barclaycard wrote originally chasing the debt.

I believe it was registered as a default on my credit file (by Barclaycard)....then after 5 years I think it dropped off (it now shows in closed accounts but weirdly the dates of history of payments do not seem correct). Now Hoist are suddenly appearing on another credit report as the new owner of the debt which is marked as in default.

From memory this debt has the potential to become Statute Barred this month (not definite) so have you heard anything more from Hoist or Howard Cohen Solicitors since their Letter of Claim in February?

Di

[Fencey]

deleted and copied to > https://all-about-debt.co.uk/forum/f...57#post1536257

[Joanna Connolly Solicitors]

Gosh thanks ever so much for remembering. I was just thinking about this last week. Over lockdown it was, of course, all quiet for some time. I have still heard nothing from Hoist or HC.

However . . .

Hello Fencey

You have posted on someone else's thread (doughnuts).

I'll get this post moved/copied to your own thread and reply to it there.

Di