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Stivani

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  1. Hi no i'm in NI, so i would receive one of those letters first if i'm following correctly.
  2. Does the letter of claim only happen in England and Wales? Or do they do have to do the same in Scotland and NI?
  3. Apologies if I should have posted in my older thread instead of starting a new one. do you think they are just trying it on to see if they can get anything? I had started thinking after almost 3 years they would have taken me to court by now if it was worth their while. Don’t know if I’m way off the mark on that one though.
  4. Hi i'm looking for some advice on a recent letter i got from Hoist. The nice people there as they always seem to do have got in contact with me again just in time for Christmas to inform me they are now collecting on a defaulted Barclaycard account from a few years ago. The letter is almost identical to one i received from Robinson Way two years ago also around Xmas. The debt was for around £10,000 and the last payment on it was in the first few months of 2018. In the past they have offered me 25% discounts but i haven't heard much from them for the last 2 years. I would like some advice on why some more informed members here and would appreciate any help offered on the following questions. Why they have suddenly got in contact again? Are they fishing? If the debt was enforceable would they have taken me to court by now? Would they be likely to accept a full and final settlement on this of around 10-20%?
  5. Not 100% sure but from memory it was over a year at least. If i had to guess i would say 15-16 months.
  6. Hi thanks for the information, i have a few further questions i'm hoping you can help me with. The default from Barclays disappeared from my credit report a few months after the default was issued. I did get a letter to say Robinsonway would now be handling my account but i never received any correspondence to say it had been transferred to Hoist. Should i have? Also if i send a letter to Hoist to correct the error. Am i in some way acknowledging the debt that could affect me down the line? Thanks bye
  7. Hi hoping for some advice please. I had a Barclaycard that for various reasons i couldn't keep up the payments on. They issued a default on this debt in early 2018, the debt was passed to Robinsonway and then disappeared off my credit report. A few weeks ago it reappeared under the name of Hoist with a new default date much later than the original one. Can they do this? Thanks in advance for any help.
  8. Ah i see thanks for the advice, i will probably go that route then.
  9. Hi how does having an AP on my file compare to a default? Also if i don't pay for 3 months won't they sell the debt to a DCA, and if they do does that make things more difficult with a DRO? Thanks for this advice. i'm open to other ideas, are there other methods you could suggest i look into?
  10. I know where you're coming from, but i've considered it for a long time and if i do decide to do it it won't be a decision taken lightly. I understand it has an affect long term. But i have just been servicing this debt for a few years and it hasn't shrank. My circumstances aren't likely to change soon so i'm leaning towards it being my only real option.
  11. Hi yes i sent a two SAR's a few years ago and reclaimed £500-600 in charges, there was no PPI if i remember and as far as i understand they are enforceable as they both had my signature on file.
  12. Hi thanks my debts are all consolidated in the last year on one credit card, Barclaycard. The balance is now over £6500 and i'm struggling to pay the minimum payment every month, some months i have been short and had to borrow from family. I'm currently on limited means as i look after my Mum.
  13. Hi was hoping someone could give me some advice on debt relief orders. I am struggling to pay my credit card each month and i am considering applying for a DRO. Been doing some reading on them and i think i qualify. One thing that isn't clear from what i have read though is the £50 disposable income after paying your bills every month, most months i have this or less. But what i'm wondering is can my monthly outgoings include the monthly payment i make to my Credit card? Thanks in advance for any help.
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