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Hoist Finance Letter

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  • #1

    Hoist Finance Letter

    Good morning All,
    Thank you for all the previous help and I have finally built up my credit scores and finalised all my debts over the past 3 years. However I have recently received a letter from Hoist Finance which again has made me feel sick to my stomach.

    I have contacted them today on their live chat section without registering but have confirmed my identity online. They have advised me I have an outstanding balance of £2880.02 with Santander. I have no recollection of this but by all accounts in the past I have noted a dispute on the account via telephone to which I honestly cannot recollect due to huge debt I was in. They advised I would have to email for more details as this could not be discussed online.


    So I am now asking how would I obtain all the details of the account in question showing when this account was taken out, Can I request original documentation? plus dates of how old this is from ?. Any advise as always would be fantastic as I was really beginning to feel free and all oy debt and soaring high with my credit score.

    Apologies if this is in the wrong section.

    Thanks LGM
    Tags: None
  • #2
    Try not to stress yourself .

    It might be a 'phishing trip'. Does it appear on your credit file? You could send Santander a SAR request, they have 30 days to provide all the data on the account. Depending on what that shows, you could consider sending a CCA request. Make sure you get Proof of Postage for the SAR.

    https://legalbeagles.info/library/gu...ccess-request/

    • 1 thank

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    • #3
      CCA Request send with £1,00 postal order, get proof of posting and keep copies on file of all correspondence

      Comment

      • #4
        Originally posted by echat11 View Post
        Try not to stress yourself .

        It might be a 'phishing trip'. Does it appear on your credit file? You could send Santander a SAR request, they have 30 days to provide all the data on the account. Depending on what that shows, you could consider sending a CCA request. Make sure you get Proof of Postage for the SAR.

        https://legalbeagles.info/library/gu...ccess-request/
        Good afternoon Mike,

        Much appreciated for the reply.

        I cannot see this through Experian and Equifax as I do pay for the premium accounts. There is nothing Showing here?
        So I can fill in the link for the letter template and send this to them in letter format and obtain proof of postage and delivery signed for ?

        Would this be with Santander or Hoist finance if they have supposedly bought the debt? Also will I have to send over a copy of the original letter from Hoist also?

        Thanks
        LGM

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        • #5
          Satander
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          • #6
            Proof posting
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            • #7
              Hi All, Just a quick update on this as all the information has now been collated and looked at. This was an old debt to which I was given a Judgement / CCJ on 26/5/2015 ( While I was in the middle of having to close my business and sell my home). Hoist Finance has now sent me all the dates/information requested as mentioned above. This debt is no longer on my credit file and they have written and emailed stating my account is now on hold. Surely after the CCJ was served and now cleared after 6 years from my credit history. Is this still an active debt and is now removed from then poor credit or can this now be ignored as time has elapsed past the 6 years?

              Regards
              LGM

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              • #8
                CCJ never runs out -( But they may be short of monies and hope people are unaware of procedure) (but if no action by them within 6 years would need a very good excuse to resurrect it to a court) many are trying old ones as they are hoping to cash in without a fight? maybe. Celestine may be able to comment?
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                • #9
                  Unfortunately the ability to enforce a CCJ never technically runs out. If they attempt to enforce, they would need to seek the courts permission and would have to explain the excessive delay. However, courts tend to grant such applications unless vigorously opposed.
                  "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

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                  • #10
                    So do I now wait on their findings ? and see how they wish to proceed ?

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                    • #11
                      Originally posted by lgm_lucky13 View Post
                      So do I now wait on their findings ? and see how they wish to proceed ?
                      Did you send a Subject Access Request for all the data on the account?

                      You need make sure they followed all the protocols in order to obtain the CCJ. The information on your account would help in answering that question.
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                      • #12
                        Hello Sorry for the delay, Yes I did request the SAR after Hoist emailed me. They have since emailed all the information to me with a note below at the end of the email. I have checked my reports and this was a CCJ which has now passed.

                        Thank you for the help
                        :LGM

                        I write in response to your ‘data subject access request’ that was received by us on 18 November 2021.
                        Your request is for all personal data we hold. We carried out the search in respect of your request from October 2014 until November 2021, please find all retrieved data attached.
                        Enclosed is our privacy policy to explain how long we keep different types of personal data. Your personal data has been managed in accordance with the policy. In addition, I’ve provided a copy of our Glossary of Terms which will help you understand our internal systems notes.
                        The attached file is in 'ZIP' format and to open a zip file, you need a copy of Winzip or an alternative ZIP software program installed on your device. The file is password protected with your date of birth we hold, in the following format (DDMMYYYY). So when prompted, you'll need to enter your date of birth like 09012021. If you have any difficulties, please do let me know.
                        For further information about your Data Protection Rights, you can visit The Information Commissioners (ICO) Website: https://ico.org.uk/your-data-matters/. You have the right to complain to the ICO handling of your Subject Access Request by visiting: https://ico.org.uk/make-a-complaint/.
                        If you want to discuss any element of this response, please contact me in writing as soon as possible.
                        Yours sincerely

                        Comment

                        • #13
                          Sorry the reply did not attach

                          I did request the SAR and this was the response See the below and I have checked to which I was given a CCJ on my file which has now passed.

                          I write in response to your ‘data subject access request’ that was received by us on 18 November 2021.




                          Your request is for all personal data we hold. We carried out the search in respect of your request from October 2014 until November 2021, please find all retrieved data attached.





                          Enclosed is our privacy policy to explain how long we keep different types of personal data. Your personal data has been managed in accordance with the policy. In addition, I’ve provided a copy of our Glossary of Terms which will help you understand our internal systems notes.




                          The attached file is in 'ZIP' format and to open a zip file, you need a copy of Winzip or an alternative ZIP software program installed on your device. The file is password protected with your date of birth we hold, in the following format (DDMMYYYY). So when prompted, you'll need to enter your date of birth like 09012021. If you have any difficulties, please do let me know.




                          For further information about your Data Protection Rights, you can visit The Information Commissioners (ICO) Website: https://ico.org.uk/your-data-matters/. You have the right to complain to the ICO handling of your Subject Access Request by visiting: https://ico.org.uk/make-a-complaint/.




                          If you want to discuss any element of this response, please contact me in writing as soon as possible.



                          Yours sincerely


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                          • #14
                            Can anyone see the reply ?

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                            • #15
                              Originally posted by lgm_lucky13 View Post
                              Can anyone see the reply ?
                              Which reply?

                              Comment

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