Hoist Finance

[Selinek]

A quick question : I received a text from Hoist finance : "Hello my name, its now time to set up an affordable payment plan." I have no idea who these people are. Looked up company , I m none the wiser. I have received no letter about change of DCA. Any ideas?

[The Tech Clerk]

do you have outstanding alledged debt with somebody? could well be mass(phishing) text trying to find a person similar name? as it stands see if anything comes in post?

[Selinek]

do you have outstanding alledged debt with somebody? could well be mass(phishing) text trying to find a person similar name? as it stands see if anything comes in post?

I have a few alleged debts. They have not mentioned who the debt is for. Just seems odd to get a text without a letter. I have a year until Satute Barred

[The Tech Clerk]

sit on hands then see any letters come here before responding . that is why no doubt

[Mrreese6018]

I have a few alleged debts. They have not mentioned who the debt is for. Just seems odd to get a text without a letter. I have a year until Statute Barred

they still phone me and text me and my debt is statute-barred, I ain't going to let them know this until the last possible moment

[The Tech Clerk]

they can ask but not enforce usually if statute barred they eventually give up.

[The Tech Clerk]

where do you live ? eng/scot/wales?

[Selinek]

where do you live ? eng/scot/wales?

I live in England. I have a letter to tell me they have taken over form Idem. I will update my diary and file letter. Thanks for replies

[Mrreese6018]

I had an aqua debt and a Barclaycard debt with hoist.

The one I had the most trouble with was worth aqua , they threatened legal action straight within a few months, sent a CCA request they said they would investigate and not had anything back, it's now statute barred and they have still not fulfilled my CCA request 6 years on lol.

Barclaycard I just had the standard begging letter and texts and phone calls. I also had letter for Barclays about a refund for miscalculated fees, which were sent way after the default dates, so I'm assuming it makes the account unenforceable or harder to enforce because towards the end I was getting offers of 65% off.

Now I get an odd letter from them, even though the phone calls have increased, only reason I know this is the call blocking is not as effective and allowing them to leave a VM.

My advice is don't worry when you get a letter read it and if it is the standard letter just ignore, when they threaten something more serious then send a CCA request.

So that was my experience with hoist, I wouldn't worry and the people on this site are amazing and In a years time you will be laughing about this when your statute barred

[The Tech Clerk]

only send CCA request if told to on here never straight away time is the element

[The Tech Clerk]

only send CCA request if told to on here never straight away time is the element before even that make a diary:-

??????

• Type of Account
• Date Commenced
• Approx Balance
• Date last paid
• Are you on an arrangement or not paying
• Status
• Account owner

[Selinek]

I had an aqua debt and a Barclaycard debt with hoist.

The one I had the most trouble with was worth aqua , they threatened legal action straight within a few months, sent a CCA request they said they would investigate and not had anything back, it's now statute barred and they have still not fulfilled my CCA request 6 years on lol.

Barclaycard I just had the standard begging letter and texts and phone calls. I also had letter for Barclays about a refund for miscalculated fees, which were sent way after the default dates, so I'm assuming it makes the account unenforceable or harder to enforce because towards the end I was getting offers of 65% off.

Now I get an odd letter from them, even though the phone calls have increased, only reason I know this is the call blocking is not as effective and allowing them to leave a VM.

My advice is don't worry when you get a letter read it and if it is the standard letter just ignore, when they threaten something more serious then send a CCA request.

So that was my experience with hoist, I wouldn't worry and the people on this site are amazing and In a years time you will be laughing about this when your statute barred

I received a letter from Idem and notice of assignment. I have been lying low , will continue to do so . Thanks for your reply

[Selinek]

only send CCA request if told to on here never straight away time is the element before even that make a diary:-

??????

• Type of Account
• Date Commenced
• Approx Balance
• Date last paid
• Are you on an arrangement or not paying
• Status
• Account owner

hoist sent a text out of the blue some months ago hadn't heard of the company on before. I cam on here to ask a general question they have written to me now,I will update my diary.

[Selinek]

21 August 2019, 22:18
Egg Card

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1200
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : Link Financial

CCA request sent 11/09/17.

Absolutely no response.

3/11/17: received another statement of account. They have used the £1 CCA fee towards the balance. Bloody cheek. They have not complied think it’s about time I stopped payment. Should I send a reminder ? Advice greatly appreciated

01/06/18

Update : 10/05/18: Letter from link saying they are concerned I have not made any payments, much the same blurb as other link accounts
24/05/18: same letter as previous accounts wanting to help . Ignored both letters !


UPDATE: 01/101/8; Letter from Link dated 14/08/18 to contact them to set up a payment plan: Filed

Letter from link dated 17/08/18 The same as above : Filed


UPDATE: 31/03/19 : Statement of account from LINK

UPDATE: letter from LINK wanting me to contact them to discuss payment. Filed

UPDATE 01/07/19 :Link Letter informing acct sold onto ASSET LINK CAPITAL: offering 45 monthly instalments to clear debt : Filed away

September 2019: Link Letter Statement of Account: Filed

UPDATE:
March 2020: Link : Statement of account : filed
September: Link Statement of account : Filed
March 2021 Link Statement of account : Filed
September 2021: Link want to know why I haven't made payment : filed
December 2021 Link as above
27/03/22: Link statement of account: Filed
May 2022: Letter why I haven't paid: Filed
September: Link letter : Account transferred Moorcroft Filed
September 2022: Letter Moorcroft introducing themselves Filed

[The Tech Clerk]

filed moorcroft hopefuls