They have always had my address, why have they taken so long? Is it because they don't have the right documentation to take it to court?

today I received a letter from Hoist, all they sent was pages 1and 3 of the PDF I already uploaded with this letter. (Dated 7/12/2021 which I received today the 11/12/2021) Dear XXXX, Further to your request for a copy agreement for the above account, please find enclosed the relevant documentation for your attention. Please note if an original agreement was not available, under the Consumer Credit Act a reconstituted copy may be provided. If you are not already making payments towards your account, please forward your affordable payment proposals to us. We have placed your account on hold for the next 14 days, after which time collection activity will resume on the account. Should you have any queries or concerns during this time, please do not hesitate to contact is on 03452668876 or alternatively you can email us. Thanks The Hoist Team. I would be grateful for your thoughts on this and what my next step should be. Many thanks

thank you, yes I took your advice and sent a CCA yesterday. Intrigued to see what this reveals as Idem came up short

That's all they sent after I requested that they show proof that they have a right to pursue me. There were several pages of transactions from very early on but that's it. I will wait and see what the CCA throws up.

Apologies for that with look at it again, it was so small I missed it. Apologies for that with look at it again, it was so small I missed it. CAG 1.pdf

I will upload the stuff today. The first page is a photocopy of my Personal details from Halifax. Page 2 is terms and conditions with my signature dated 26/01/2006 and the rest are statements not on Halifax paper, ie no logo just type, dated from 02/02/2006-02/12/2008. The statements are not worth sending them all but will send one to show you what I mean. Thanks so much for your help

thank you very much, I got confused then. i will send a CCA request tomorrow

I didn't know Idem was now Hoist. It's the same old circus then. Should say they threatened to send someone round to my house but stopped action when I disputed the claim. I am afraid they will send someone to my house as I am nearly housebound I'm in all the time and I can't face these people off. Sorry to be a nuisance, my memory is not as good as it once was, but what is the reason this "debt" doesn't show on my credit report?

Hello, I have received letters from Hoist Finance about an old Halifax card. I last paid anything in 2018 to a credit company, before it was claimed by so many debt companies, I didn't know if KFC had considered buying it. Then up pops Hoist. I said the account was in dispute and to send me something linking it to me ie with my name. Saturday I received a letter saying they had halted any action. This morning I received a letter showing all transactions and my signature dated 2005. I am a pensioner with very little income now, so any payment needed would be minimal. Nothing is showing on my credit account and I have rebuilt my credit score. Do I have to interact with Hoist? Can they take it to court? Please advice me as to how I should carry on with this. Thanking you in advance

I have been instructed to pay £20 per month and whilst paying nothing can be done in regard to my property

no just thinking about any future help for my daughter and was curious to know. Thank you for your help, I really appreciate it

Thank you so much for your help, one last question, would this affect an equity release application?

'So shall I make the offer to Nat West and still go for £1200

I was paying Shakespeare Putsman and they told me that Drydensfairfax were taking it over and to pay them, so I assumed it was sold.

jointly owned, the debt was mine but came out of a joint bank account. My husband never had his wages put into that account or even used it

Trouble is I have been paying them every month because i don't want to go back to court

Nat West took me to court, I was first paying them, then Shakespeare Putman and now Drydensfairfax. Would £1500 do it or this that too much? Ok sorry just read the other post, will try £1200. So do Drydensfairfax now "own" the charging order or can I apply to have it gone as Nat West have no interest?

In 2011 Nat west were granted a charging order on my house for a debt of £7000. I have been paying Nat west as per the court order and the debt is now £3500. The debt is now sold to Drydens fairfax. what happens to a charging order if the debt is sold? And how much could I expect to offer for a full and final on this and get the order rescinded?

I CCA'd Idem in March they sent the postal order back and said that they would get the information I required, pestered me to death and now enter Westcot. Yes you're right I have been intermittently on here for a long period of time and I have followed the advice given. I am not a regular visitor as I am currently sick and still receiving treatment after several operations. I'm sorry if I have offended or annoyed you. I have managed to win a couple of claims thanks to this site yes, but each one involved different players Idem and Westcot are totally new to me and I can't keep pace with these clowns if I don't know who they are and what their powers are.

Who will be chasing me Idem? Do I have to start to pay them? And are they likely to take me to court? Sorry I think I CCA'd Idem and they sent the £1 back. The card was taken out on 2001

Hi, I had a credit card from the Halifax which after I lost my job, I was paying £20 per month after discussing a lower payment. This then went to Blair Oliver Scott and I kept paying. After it went to Idem in May this year I stopped paying as I didn't think they had a right to collect. They hassled me by phone ringing every day sometimes twice a day and I ignored them, partly because I am deaf and couldn't hear my phone. now I have Westcot chasing me. Can you please give me some advice? Do I now have to pay Westcot? Are they likely to take me to court? Or shall I ignore them as well? I don't know who will pursue me for this next maybe Kentucky Fried Chicken!

No I didn't, they were just two shoppers and I was in so much pain.

It was still wet when the manager and I walked around. Thank you all for your help. I will write to the manager asking for the cctv footage if it's available. It has been really helpful getting different views but really should the sarcastic so and sos be posting if they can't be objective and non judgemental? I will let you know how it goes. Thank you.

the walkway is painted in the stuff that yellow lines are painted in. It becomes slick when water is on it, particularly as on this day, there was water pooled on it. The car parking spaces are in the kind of material you see in kids' playgrounds so don't seem to be slippery. If that makes sense. I slipped/tripped from the walkway onto the empty car parking space.

Yes I was planning to write direct to them, particularly as he said he would look at the CCTV footage and let me know the outcome. Should I write to my local store or to the Head Office? the slippery floor on the walkway. I was hoping the CCTV caught it. Sorry to here about your mother a broken shoulder is no joke either.