Incorrect CCA

[ab1224]

Afternoon, lm just looking for some advice, my other half has been going back and forwards with Hoist for 2 years after requesting the CCA, they’ve provided everything required except the actually CCA is for a completely different credit card nothing to do with the alleged debt. They refuse to acknowledge the fact it is incorrect and just keep insisting the debt enforceable as the CCA is valid. The account has been on hold 2 years no payments made. We have just made a very low full and final offer which has not been accepted and in speaking to them they’ve said they have exhausted all options and he responded to our complaints and if we want to take it further to go to the ombudsman.

Previously we were happy to play the game and ignore until it disappear from his file but we have reason we need to get it marked as satisfied we really need to try to resolve ASAP. Any advise for anything else we can do would be much appreciated. It’s so frustrating that they can just send completely wrong information and refuse to acknowledge it

[Matty B]

If you have a default on your credit file then even when marked as settled it can still impact your credit score making mortgages etc difficult or more expensive to get.

The problem with telling them what is wrong is that they can then put it right, so for example writing saying it is illegible can lead to a blown up copy of the terms being sent .

Also the fact you have made an offer may be seen as an admission of liability although some of that may depend on when the card was taken out.

I would say that without more details it is almost impossible to answer your questions.