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Barclaycard | Robinson Way | Hoist
Hello again and thanks for this forum. There seems to me to be increasing amount of websites / forums that are passing off as independent, community support groups, but are really trying to push a suspect debt management service. Consequently, it's good to find a genuine one.
I've read a lot before posting. It's been great to see people like me EVENTUALLY arriving here and realising 'ah, it's not just me then...' You've also clearly helped people where you've been pretty-much their last port of call. Really impressive work. I've read a few of the diaries and noted how non-judgmental people here are too. There's no 'your mess, you sort it out.'
This place clearly seems closer to recognising we have an overall flawed consumer credit society, which results in some people falling by the wayside and being vulnerable to sharp practice by the seedy underbelly of a poorly-regulated sub-industry that the highly-flawed, usual suspect high street lenders use to sweep away their collateral damage.
Anyway, Nightwatch was kind enough to advise me to post my (well, the one I mentioned) issue here,after I butted in to another stream.
Some background: My last full time role ended after a typical big company reorganisation at end of 2016 and I have been intermittently contracting since and started a small business to fill gaps between contracts so I won't starve and can pay the rent (the house being lost post-divorce 15 years ago) A few credit cards got out of hand when I had a rather long gap between contracts and had to concentrate on making the business work while also trying to make sure I don't end up on the scrap heap career-wise. Anyway, the £800 - £1000 or so I was paying off each month on a few credit cards was out of the question. I tried to maintain the relationships before the accounts were sold off... anyway, you know the punchline. I wouldn't be here if I had succeeded.
Note that I have a few priority debts to HMRC: one for circa £5K of outstanding corporation tax from when I was contracting and the contract wasn't continued at the last minute and one from about 5 years ago, which is late filing penalties (companies house) both have gone to CCJ and round multiple collectors, all the letters went to to where the company is registered though. I picked A VERY LARGE PILE of them up after one calendar year.
The debts it's about time I sorted out are:
The Hoist / Robinson Way / Barclaycard one. From the Hoist letter telling me it now had the bought the debt:
Total balance sold: £10,800
Date: 8/8/2017
Robinson Way appointed to manage the account.
Action: I did one of those CCA requests, not sending £1. I got back the following:
A copy of the letter from Barclaycard saying the account had been sold on to HPH
A copy of the Hoist notification letter
A copy of a BARCLAYCARD CAS MART APPLICATION RETRIEVAL (their capitals!)
A print out of 42 pages (printed on both sides) of statements from the credit card account
A copy of Hoist's Notice of Assignment
A copy of the default notice from Barclaycard (dated June 2017)
A copy of 11 pages (printed on both side) of Barclaycard Conditions
A copy of a letter from Barclaycard to Hoist, that mainly says:
'I refer to your request for Historic and Varied Terms and Conditions for (my name)
I can confirm that the required documents are attached.
Yours faithfully,
name
Barclaycard Customer Services'
That's it. In answer to Nightwatch's question earlier, definitely no document of any kind signed by me.
QUESTION: Has Hoist / Robinson Way provided everything to prove it would have a rock solid case if this were to be taken further, so should I bite the bullet and negotiate?
NOTE: Robinson Way is threatening - should I not propose a payment plan by 24th Feb to pass the account to the usual suspects Howard Cohen, you know the rest. I haven't proposed a payment plan as I can't afford one ya know.
DO ALSO NOTE: While a few of these dates are impending it doesn't mean I am losing sleep or panicking, I know enough about this stuff to know it's not worth that. So you make sure you prioritise any people who are seriously worried about this shiz.
__________________________________________________
Other debts I am also addressing include:
Credit Security Limited (CSL) :
Total balance sold: £12,500
Date of most recent CSL letter: 11/2/2020
Nature of letter: Final Notice
Original lender: MBNA Limitied
Other reference: PRA Group Limited
The letter states it will be returned to client by 21 Feb (yesterday) if I don't make contact. I have not.
I received a letter from CSL offering me a 50% discount at the end of December.
CSL has kinda got my name wrong. It's included a middle name I have, but simply have never used. Never.
QUESTION: Is CSL likely to take legal action and, if so, what would you recommend as a next step for me? Especially considering it has my name wrong.
__________________________________________________
Two other, smaller debts...
ONE
Collector: CABOT Financial
Lender: M&S
Amount: £1,800
Most recent letter: 5th Feb offering a 20% discount
This was passed to Cabot in the past 3 months.
QUESTION: Should I just ignore Cabot? I don't like its tactics and suspect it makes a lot of people's lives a misery. It has already registered an account in my name with the usual suspect credit reference agencies.
TWO
Collector: Lowell
Lender: Vanquis
Amount: £4280
Again this is all fairly recent no question of it being statute barred.
Lowell did some court thing - not a CCJ, I forget the term used, but I had to phone Watford Court and arrange to pay about £600 in 3 payments, or Bailiffs would have come round.
Now I want to query the outstanding amount and go through the CCA part.
QUESTION: Is there any point going through the CCA part or does making those payments constitute admission of liability? Now I think about it too, the amount of the debt seems much higher than I thought it was., I was sure I only had a £1500 credit limit Vanquis card.
THAT'S IT FOR NOW! Thanks ever so much, while I am blase about the above, that's my technique. It doesn't mean I don't worry sometimes, to the extent it interferes with work and, well, you know what it can interfere with. However, there will be people who need help more than me coming here.
Do advise if I should present any more information or present any of the above differently.
Once again, this forum does appear to stand out as the prime resource to help both people like me and people far more prone to falling for the glorified scam that's the world of consumer credit and debt collection at this time.
YOU'RE NOW FREE TO GO ABOUT YOUR BUSINESS!
THANKS.
Fencey
I've read a lot before posting. It's been great to see people like me EVENTUALLY arriving here and realising 'ah, it's not just me then...' You've also clearly helped people where you've been pretty-much their last port of call. Really impressive work. I've read a few of the diaries and noted how non-judgmental people here are too. There's no 'your mess, you sort it out.'
This place clearly seems closer to recognising we have an overall flawed consumer credit society, which results in some people falling by the wayside and being vulnerable to sharp practice by the seedy underbelly of a poorly-regulated sub-industry that the highly-flawed, usual suspect high street lenders use to sweep away their collateral damage.
Anyway, Nightwatch was kind enough to advise me to post my (well, the one I mentioned) issue here,after I butted in to another stream.
Some background: My last full time role ended after a typical big company reorganisation at end of 2016 and I have been intermittently contracting since and started a small business to fill gaps between contracts so I won't starve and can pay the rent (the house being lost post-divorce 15 years ago) A few credit cards got out of hand when I had a rather long gap between contracts and had to concentrate on making the business work while also trying to make sure I don't end up on the scrap heap career-wise. Anyway, the £800 - £1000 or so I was paying off each month on a few credit cards was out of the question. I tried to maintain the relationships before the accounts were sold off... anyway, you know the punchline. I wouldn't be here if I had succeeded.
Note that I have a few priority debts to HMRC: one for circa £5K of outstanding corporation tax from when I was contracting and the contract wasn't continued at the last minute and one from about 5 years ago, which is late filing penalties (companies house) both have gone to CCJ and round multiple collectors, all the letters went to to where the company is registered though. I picked A VERY LARGE PILE of them up after one calendar year.
The debts it's about time I sorted out are:
The Hoist / Robinson Way / Barclaycard one. From the Hoist letter telling me it now had the bought the debt:
Total balance sold: £10,800
Date: 8/8/2017
Robinson Way appointed to manage the account.
Action: I did one of those CCA requests, not sending £1. I got back the following:
A copy of the letter from Barclaycard saying the account had been sold on to HPH
A copy of the Hoist notification letter
A copy of a BARCLAYCARD CAS MART APPLICATION RETRIEVAL (their capitals!)
A print out of 42 pages (printed on both sides) of statements from the credit card account
A copy of Hoist's Notice of Assignment
A copy of the default notice from Barclaycard (dated June 2017)
A copy of 11 pages (printed on both side) of Barclaycard Conditions
A copy of a letter from Barclaycard to Hoist, that mainly says:
'I refer to your request for Historic and Varied Terms and Conditions for (my name)
I can confirm that the required documents are attached.
Yours faithfully,
name
Barclaycard Customer Services'
That's it. In answer to Nightwatch's question earlier, definitely no document of any kind signed by me.
QUESTION: Has Hoist / Robinson Way provided everything to prove it would have a rock solid case if this were to be taken further, so should I bite the bullet and negotiate?
NOTE: Robinson Way is threatening - should I not propose a payment plan by 24th Feb to pass the account to the usual suspects Howard Cohen, you know the rest. I haven't proposed a payment plan as I can't afford one ya know.
DO ALSO NOTE: While a few of these dates are impending it doesn't mean I am losing sleep or panicking, I know enough about this stuff to know it's not worth that. So you make sure you prioritise any people who are seriously worried about this shiz.
__________________________________________________
Other debts I am also addressing include:
Credit Security Limited (CSL) :
Total balance sold: £12,500
Date of most recent CSL letter: 11/2/2020
Nature of letter: Final Notice
Original lender: MBNA Limitied
Other reference: PRA Group Limited
The letter states it will be returned to client by 21 Feb (yesterday) if I don't make contact. I have not.
I received a letter from CSL offering me a 50% discount at the end of December.
CSL has kinda got my name wrong. It's included a middle name I have, but simply have never used. Never.
QUESTION: Is CSL likely to take legal action and, if so, what would you recommend as a next step for me? Especially considering it has my name wrong.
__________________________________________________
Two other, smaller debts...
ONE
Collector: CABOT Financial
Lender: M&S
Amount: £1,800
Most recent letter: 5th Feb offering a 20% discount
This was passed to Cabot in the past 3 months.
QUESTION: Should I just ignore Cabot? I don't like its tactics and suspect it makes a lot of people's lives a misery. It has already registered an account in my name with the usual suspect credit reference agencies.
TWO
Collector: Lowell
Lender: Vanquis
Amount: £4280
Again this is all fairly recent no question of it being statute barred.
Lowell did some court thing - not a CCJ, I forget the term used, but I had to phone Watford Court and arrange to pay about £600 in 3 payments, or Bailiffs would have come round.
Now I want to query the outstanding amount and go through the CCA part.
QUESTION: Is there any point going through the CCA part or does making those payments constitute admission of liability? Now I think about it too, the amount of the debt seems much higher than I thought it was., I was sure I only had a £1500 credit limit Vanquis card.
THAT'S IT FOR NOW! Thanks ever so much, while I am blase about the above, that's my technique. It doesn't mean I don't worry sometimes, to the extent it interferes with work and, well, you know what it can interfere with. However, there will be people who need help more than me coming here.
Do advise if I should present any more information or present any of the above differently.
Once again, this forum does appear to stand out as the prime resource to help both people like me and people far more prone to falling for the glorified scam that's the world of consumer credit and debt collection at this time.
YOU'RE NOW FREE TO GO ABOUT YOUR BUSINESS!
THANKS.
Fencey
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