Advice on Debt Owned By Hoist

[Disk3473]

Hello

I am looking for just a little advice regarding a debt now owned by Hoist which was originally a Barclaycard debt ( £1,250 )

My last payment according to my credit report was November 2015 and the business went under with debts left right and centre so it was just ignored which i know is not the right thing but it was a drop in the ocean compared to others but all have been sorted and stopped from escalating and now this year it looks like everything will fall from my credit report and life will be on track again in that respect but this debt is still outstanding i have never made contact or admitted the debt. On my report it went to Hoist and was updated on the report in December 2018 which i assume was when Barclay closed the account and Hoist took over it unless they have messed the dates up as the 6 years should of started on my last missed payment not when hoist updated on my report.

I had the usual Robinson way letters and emails over the past 4 years every couple of months but today had an email from Hoist. It was just a normal get in touch to setup a plan or we can maybe offer a discount and make payments with you towards the debt. After reading around i see that is because the Robinson way brand is now gone so i assume its the same as previously but with Hoists logo.

The only thing i fear is as it stands the debt might fall from my report in December but i would hate for something to happen and i have something marked on my report for another 6 years so i am torn between making contact to offer a F&F settlement / payment plan or just watch the letterbox as the last thing i want is a ccj being recorded but assume i would have prior warning to this getting to that point.

Curious as to what others if in the same situation would do at this point ?


Thank you in advance

[GoodOldBoy]

While you wait for someone more knowledgeable than me ... remember making a F&F offer or proposing a repayment plan will restart the SB clock.

Who (apart from you) has yet mentioned a CCJ?

[Disk3473]

Yes i did think that would restart the clock which is why i am torn with trying to just settle it or seeing what happens. No one has mentioned a CCJ but the last thing i want is to acquire one from this debt unknowingly

[GoodOldBoy]

Yes i did think that would restart the clock which is why i am torn with trying to just settle it or seeing what happens. No one has mentioned a CCJ but the last thing i want is to acquire one from this debt unknowingly

Again, until someone more knowledgeable than me answers:
Their tactics are to panic you into doing something (maybe irreversible - like restarting the clock). Don't let them panic you: you are nowhere near a CCJ yet - there is a process they have to go through.

I would begin by sending them a CCA request (sections 77-79) which will cost you £1. Until they fulfil your request they must not start legal action. If you are lucky (and many are) they won't have your agrement.

The trick is to go one step at a time, nice and slowly to let the clock run. Their talk of a CCJ is, at present, just scaremongering and trying to force you into doing something that may be against your best course of action.

[Disk3473]

Thank you

Today i have a generic letter from hoist asking to set up a payment plan so they have not threatened a ccj yet but as i believe the 6 years will be up in December i am still unsure if to see what happens or take some sort of action as i just cannot see them letting the clock run out

[GoodOldBoy]

Did you send the CCA request?

[Disk3473]

No i have not made any contact with them

[Debtfree6018]

I'm in the same boat so watching this thread very closely,