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Hi
Some past debt has cropped up. Hoist wrote to me along with their buddies resolve call..
2 different debts are with hoist. both of those i sent sb letters. unfortunately i didnt realise i should have issued prove it letters first..
one def is sb, the other i wasnt certain as has been a while. its also the biggest debt, 13k. (loan was orginally for 8k, rest is charges added)
this other, larger debt, defaulted i think 2010, not sure exactly when it dropped of my credit file, from 2016/17 on for that .
ive included main text of the letter they sent me back in response. (image of it too big)
i remember at some point i set up a plan, but i dont think it ever paid out, i remember getting a letter but cant recall if it was from dca or bank. i had thought it was before 2015 but seems not. Anyway, this payment they say i made, i cant find anything on either of my 2 accts, ive looked through and called them up to ask about it.
initially when it defaulted i set up a plan through payplan, then stopped paying a while after, there was then another that i set up but online myself, cant remember name of company or when i stopped paying that one, it may have been 2011, so there were few years between then and this alleged payment. might be 6yrs, might not be.
sorry for rambling, hope im making sense. basically, what do i do from here, unsure how to proceed, seeing as ive got the order wrong re template letters.
main text from letter:
"Thank you for your recent contact, the contents of which have been noted.
We can confirm that the last payment on the account was on the 24th january 2017, therefore, by paying you have admitted liability over the account.
Please be advised this account is not statute barred.
Please completed the enclosed financial statement along with an offer of repayment in order for us to update your account accordingly.
We can also confirm that we have held your account for 30 days to allow you time to provide an update. Please be advised that if no update is provided by the end of this period of time then we will resume collection activity."
Some past debt has cropped up. Hoist wrote to me along with their buddies resolve call..
2 different debts are with hoist. both of those i sent sb letters. unfortunately i didnt realise i should have issued prove it letters first..
one def is sb, the other i wasnt certain as has been a while. its also the biggest debt, 13k. (loan was orginally for 8k, rest is charges added)
this other, larger debt, defaulted i think 2010, not sure exactly when it dropped of my credit file, from 2016/17 on for that .
ive included main text of the letter they sent me back in response. (image of it too big)
i remember at some point i set up a plan, but i dont think it ever paid out, i remember getting a letter but cant recall if it was from dca or bank. i had thought it was before 2015 but seems not. Anyway, this payment they say i made, i cant find anything on either of my 2 accts, ive looked through and called them up to ask about it.
initially when it defaulted i set up a plan through payplan, then stopped paying a while after, there was then another that i set up but online myself, cant remember name of company or when i stopped paying that one, it may have been 2011, so there were few years between then and this alleged payment. might be 6yrs, might not be.
sorry for rambling, hope im making sense. basically, what do i do from here, unsure how to proceed, seeing as ive got the order wrong re template letters.
main text from letter:
"Thank you for your recent contact, the contents of which have been noted.
We can confirm that the last payment on the account was on the 24th january 2017, therefore, by paying you have admitted liability over the account.
Please be advised this account is not statute barred.
Please completed the enclosed financial statement along with an offer of repayment in order for us to update your account accordingly.
We can also confirm that we have held your account for 30 days to allow you time to provide an update. Please be advised that if no update is provided by the end of this period of time then we will resume collection activity."
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