you should be on the roll

not being on voters is a stupid idea

only hurts your credit rating more..

it might be worthy to send the cca request yes.

not only for the fact of forcing the production of an enforceable CCA

but to legally inform a creditor you've moved.

its not a good idea to run away from debt and hide

you leave yourself and your mrs if this applies to her too [going by the no voters]

to backdoor CCJ's that you don't know about so cant defend against

the days of running and hiding are long gone, and to be honest

a very old wives tail that should never have been suggested by any forum .

Oh I couldn't agree more.

It was actually Mrs S who opted out of the roll as she had issues a long time ago with a previous ex who was not the nicest of people.

- but that was a very long time ago.

Sorry, I should clarify, we're both on voters, but not on the public register.

And no, I don't do running and hiding.

The credit rating to be fair is the last of my troubles at the moment.

It's been shot for years, and will be until I clear all of my debts, which will not be for years!

defaulted dates are the clue.

sorry for the wrong idea on voters

no harm in not going public.

sorry

No problem.

So date wise it goes like this;

Payment arrangement with egg which was maintained right through to barclaycard taking on all egg card business (2012?). Iirc I started the payment arrangement with them around end of 2005 into 2006.

At that point a new card number was assigned along with notification that barclaycard were now in charge.

I rang barclaycard to discuss arrangement and to see about getting payment details for such.

Barclaycard collections said that someone would be in touch in due course as they 'had nothing to do with this at the time'

I continued to make payments to the old egg banking details I had until I heard something back.

Since by 2014 I had heard nothing I stopped the payments.

The next contact was this one with barclaycard informing me that they have sold everything to hoist- ironically for probably a pittance of their worth.

So I've never really defaulted on a payment arrangement as far as I was concerned.

Would I be right in thinking that barclaycard have written off the debt and anything that hoist make over and above what they have paid is all profit for them?

Have you CCA'd them?

I hadn't realised how long it's been since this thread was updated!

It's been since the other side of last year that I've not heard anything after sending the CCA request.

Both Barclaycard and RW have remained silent.

Barclaycard however did comply with my SAR and sent me a massive file of nearly a ream of history with them.

If they (RW) have called and not left a message then they've probably been caught up in the auto ignore of all the telepest phone calls we all get on a daily basis.

So I suppose I'm asking where do I go from here?

I've not had any reply to the SAR or CCA from RW who wrote to say they had referred back to the original creditor (Barclayshark).

Were they to call / write etc do I entertain them?, and if so, how?

Ignore

So after many months of no contact other than the usual pestering phone calls and automated calls ( of which I had asked them to stop and only communicate in writing- obviously ignored), I received a letter with a Notice of Assignement.

Hoist Portfolio Holding Ltd (HPH) has sold my account to Hoist Finance UK Holdings 1 Limited (HFUKH1L)

They've basically sold my alleged debt to themselves haven't they!

yep means nothing

You just cant teach that level of stupidity !