Hoist 1 Barclaycard - Default Date 8 month after last payment - Does Sar Restart Clock

[Mrreese6018]

Hi and welcome to the forum

It seems that you are getting a good feel of the way forward and you are certainly in good company here

As others have said, But I just wanted to convey the importance of it too, The one thing that is quite apparent to me is that you are nearing the date where this will become Statute barred and as such the main aim here is to sail on through to that by all means possible. This will certainly mean without bringing any unwanted attention to yourself and "playing the game" as it were. You would not want to be waking any sleeping dogs at this stage

You have absolutely done the right thing posting up here and you need to be on your guard now for any letters that arrive. I would suggest you post up as and when you get any correspondance and obviously dont respond without maybe checking with the community here or speak with any companies over the phone. Keep everything in writing. Keeping a cool head now will likely serve you well in the coming months

If people on here ask specific questions, It is because they need to get a true understanding of your position to assist you all they can

Hang in there and post up whenever you feel the need, You are in good company here and there are always people about who have "Been there" and have a first hand understanding of how it can get sometimes

Thank you so much means a lot and everybody seems really nice and helpful.

I am just trying to read up on everything and prepare myself for the upcoming assault on me by hoist as the over 50% discount deadline as now passed.

Only admiting to the debt and making a payment would restart the clock is that correct?

Thanks Again

[Mrreese6018]

Evening all,

I am receiving spam text from hoist, the original lender didn't have my current mobile number and I definitely haven't given hoist my number. So I was reading this article from the ico https://ico.org.uk/your-data-matters/texts/

So far all I have got is the mistakes barclaycard have made , no annual statements from hoist and I'm hoping I can get get them on the text message front, anybody got any thoughts on this? I just want enough ammo to get them either to give in or for it to take me over the magical 6 year period.

[Warwick65]

I would say the less communication you have with them the better as there is always a risk of acknowledging the debt. You don’t want to give them any reason to try and tell a judge you acknowledged it. Judges do sometimes get it wrong

[Mrreese6018]

I would say the less communication you have with them the better as there is always a risk of acknowledging the debt. You don’t want to give them any reason to try and tell a judge you acknowledged it. Judges do sometimes get it wrong

Thanks, that is my plan, I just want to plan for the worse and hope for the best.

[Warwick65]

Sounds like me. I have plans for plans for what ifs and maybes . Can drive you mad if you let it ?

[Roger]

Evening all,

I am receiving spam text from hoist, the original lender didn't have my current mobile number and I definitely haven't given hoist my number. So I was reading this article from the ico https://ico.org.uk/your-data-matters/texts/

So far all I have got is the mistakes barclaycard have made , no annual statements from hoist and I'm hoping I can get get them on the text message front, anybody got any thoughts on this? I just want enough ammo to get them either to give in or for it to take me over the magical 6 year period.

Can't prove BUT looking at your Credit Reports (Experian , noddle, whatever) does your current MOB provider appear?
I cannot understand the logic that a MOB contract can be or should be reported on a Credit Report
BT contracts aren't!
I can't see where else a DCA could get or know a personal MOB number!

One of the great mysteries of the world of DEBT seems to be that MOB numbers seem to be readily available!

[Joanna Connolly]

Can't prove BUT looking at your Credit Reports (Experian , noddle, whatever) does your current MOB provider appear?
I cannot understand the logic that a MOB contract can be or should be reported on a Credit Report
BT contracts aren't!
I can't see where else a DCA could get or know a personal MOB number!

One of the great mysteries of the world of DEBT seems to be that MOB numbers seem to be readily available!

You are correct Roger. The debt purchasers can obtain this information form the credit reference agencies.

Your credit report contains your latest contact information, including your address and phone number. Your current creditors report your information to the credit reference agencies , who then include it on your credit report. Since debt purchasers have access to your credit report, they're able to get your recent contact information from your credit report.

[Mrreese6018]

Can't prove BUT looking at your Credit Reports (Experian , noddle, whatever) does your current MOB provider appear?
I cannot understand the logic that a MOB contract can be or should be reported on a Credit Report
BT contracts aren't!
I can't see where else a DCA could get or know a personal MOB number!

One of the great mysteries of the world of DEBT seems to be that MOB numbers seem to be readily available!

Evening all,

Just checked my credit report and my mobile number is not on it, it is via my bank account and the report is from Experian. just got to get through the next 14 months and the reminders of my dark days will be behind me.

Is it normal for Hoist to offer 60% discount on a Bcard debt, they normally seem very quick to take to court.

on a second note, this is not for me anybody had any experience with NRAM(together mortgage hard to get info), my current partner has a shortfall mortgage debt(due to a previously violent relationship) which is around 9 years old, they have written to her but she hasn't contacted them, if I'm honest I worry more about her than my problems.

[Warwick65]

I can't help on the credit file- I try not to look at mine too deeply

Hoist and discount, how long have they owned the debt- if it is a very short time they may just want a quick turnaround to keep cashflow going, however personally I always wonder why they would offer big discounts

Di knows a bit about NRAM and mortgage shortfalls - I think if they are a member of the council of mortgage lenders shortfalls become statute barred after 6 years- or at least they shouldn't chase.

Addition

I recently sent a SAR to credit karma and while they have a lot of info about me they do not seem to have my mobile number - they do have my landline , one email address, my job, the date I moved into my home etc but not my mobile number that I have had for more than 20 years.

Having said that it is obviously in circulation , well according to the National Crime agency who phone me 3 times a week to say I am about to be arrested because of my NI number - oh and someone else calling for Mr X Plaskett - same first name and postcode but completely different surname . In fact they even have my email address and almost my home address ( 1 number out) so there is a lot of stuff out there about us all.

[Mrreese6018]

I can't help on the credit file- I try not to look at mine too deeply

Hoist and discount, how long have they owned the debt- if it is a very short time they may just want a quick turnaround to keep cashflow going, however personally I always wonder why they would offer big discounts

Di knows a bit about NRAM and mortgage shortfalls - I think if they are a member of the council of mortgage lenders shortfalls become statute barred after 6 years- or at least they shouldn't chase.

Addition

I recently sent a SAR to credit karma and while they have a lot of info about me they do not seem to have my mobile number - they do have my landline , one email address, my job, the date I moved into my home etc but not my mobile number that I have had for more than 20 years.

Having said that it is obviously in circulation , well according to the National Crime agency who phone me 3 times a week to say I am about to be arrested because of my NI number - oh and someone else calling for Mr X Plaskett - same first name and postcode but completely different surname . In fact they even have my email address and almost my home address ( 1 number out) so there is a lot of stuff out there about us all.

In regards to hoist they have had for around 4 and half years,, they didn't do anything for ages then all if a sudden text messages and letters.

I have had a million and one phone calls saying I'm about to be arrested for not paying tax.

oh and thanks for the info on NRAM hope it is the case

[Roger]

As jo points out ".. Your current creditors report your information to the credit reference agencies .."

Your MOB SUPPLIER is A CURRENT CREDITOR for the purposes of the CREDIT REFERENCE AGENCIES

I suppose the best way to stop MOB text's phone calls is Close your MOB Supplier and take out a PAY AS YOU GO (Monthly Top UP) and remain Anonymous!

I have also discovered that the CRA reports extremely useful, reading between the lines, learning the tactics of various Creditors and what they are reporting!

Read and study the AAD diaries and make notes! Take control of your Life! Don't be a puppet of the DCA's

[Warwick65]

It is interesting that my mobile number is not in my SAR, neither is an email address I use for some applications so either credit karma are leaving things out or not everything gets reported. I used Vodafone for years although switched 10 months ago to another provider.


Depending on your phone make you could just block numbers

[Warwick65]

To further answer your question about mobile numbers here is a more comprehensive article although it includes Jo's quote

https://www.thebalance.com/how-did-a...-number-960581

It is an American site so might not be 100% accurate - you will notice they can't spell and the sources are US based.

[The Tech Clerk]

To further answer your question about mobile numbers here is a more comprehensive article although it includes Jo's quote

https://www.thebalance.com/how-did-a...-number-960581

It is an American site so might not be 100% accurate - you will notice they can't spell and the sources are US based.

spellings? the american english script is basically spell as spoken l.e:- Centre (UK) center (USA) Tyres (UK) Tires (USA) and many other as such, used to type in military in the early 60s as we had an american detachment with us and correspondence was used as such, on leaving service many a time in UK i responded with USA wordings 0pppsssss.

??????In one large UK company we had an american Administrative manager join us for a few years before promoted elsewhere, he noticed my notes one day and asked if I had worked in american company? I told him no but UK military with detachments of US Army at times and I did a lot clerical between the two.

[Roger]

But thanks to Jo we have garnered some interesting information. The CRA's seems like a cozy members only club sharing data amongst themselves.