BPO Collections - CCJ debt

[stevens83]

Hi,

 

I received a letter a few weeks ago from 'Hoist' (never heard of them) telling me they'd passed a debt of £2500 to BPO to collect.

 

That was the first letter I've ever had from Hoist. I

 

think the debt refers to some old student debt from the early 2000s but can't be sure as it doesn't state what it is on the letter.

 

If it is that I think I received a CCJ for this debt at a very old address, which was processed after I'd moved. The CCJ doesn't currently show on my credit file.

 

I received a notification that my credit file had been accessed by BPO and today received a letter advising me that

I need to pay etc etc or they would send a home visit, but offering reduced amounts if I paid by April.

 

Does anyone have any advice on how to deal with this?

 

I am a bit peeved that they've accessed my credit file, and I am not in a position to pay this.

 

To be honest I'd completely forgotten about it all because it's been years since I've heard anything about it and it being on my credit file.

 

I obviously can't use the statute barred defence as there was a CCJ. Any advice would be much appreciated.

 

Steve

[dx100uk]

so the CCJ is the same debt?

 

if the original claimant has never enforced it

then they'll have a very hard job now

 

even harder if its been sold on.

 

DCA's are not BAIIFFS

 

and have NO SUCH LEGAL POWERS

 

dx

[Bazooka Boo]

IMO I would ignore them until they send you something which clearly states what it is they're chasing after.

 

Check your credit file and just make sure this is not on there.

 

If they had a ccj six years ago, then they will need to go back to court and explain to a judge why they didn't chase it earlier.

[stevens83]

Hi,

 

thanks for replies. It is definitely not on my credit file.

 

Checked old reports that I kept hold of and

 

there is a CCJ for HSBC for the same amount but this was 2005.

 

I remember them trying for an attachment earnings order at time which I sent a defence as I was a student and never heard anything more after that.

 

HSBC have definitely not been in contact with me in that time and

 

this letter only refers to Hoist,

 

who have also not been in contact until the letter a few weeks back.

 

I live in a shared house so I really don't want debt collectors turning up out of the blue.

 

Thanks

[fkofilee]

---Ignore---

[fkofilee]

Hi Stevens

 

The chances of someone turning up unless its been sent out to a HCEO or Bailiff are very slim.

Even if they do, you can tell them to Politely leave as they have no right to just turn up to your doorstep to talk about your financial circumstances.

[dx100uk]

the other clue is the discounts

 

dx

[fkofilee]

the other clue is the discounts

 

dx

 

 

Im inclined to agree here, Discounts 95% of the time mean that something is wrong with the debt somewhere... Thing is here though we dont know what the debt is from.

 

OP could you give us anymore info?

[stevens83]

Im inclined to agree here, Discounts 95% of the time mean that something is wrong with the debt somewhere... Thing is here though we dont know what the debt is from.

 

OP could you give us anymore info?

 

It was a student overdraft from about 2001. Ended up defaulting when I changed bank account. Then ccj in 2005. I've not had any contact with hsbc for years. Probably around 2005.

[dx100uk]

I bet it was not HSBC that took you to court?

 

dx

[fkofilee]

It likes Lloyds and SCM... Those are the triggers when you know Lloyds has taken someone to court directly.

Same here with HSBC and im inclined to agree with DX... Ive rarely seen HSBC if ever, take someone to court directly.

 

If the CCJ was awarded in 2005 and wasnt enforced and it DOESNT Appear on you credit profile... I would imagine they would have a very difficult time trying to enforce this CCJ.

I wonder who was the company who pushed for a CCJ...

[stevens83]

Hey, thanks for replies. I found an archived credit report from 2011 and the ccj was on that. It is down as hsbc.

[huggy41]

they are offering discount because they know theres not a cat in hells chance of getting any money if you challenge it as they will not go to court to have the ccj adjusted

[stevens83]

Thanks. So would anyone recommend writing to them to tell them to bugger off, and if I do what should it say? Should I try a statute barred letter?

[dx100uk]

pers i'd just ignore then

 

its a phishing trip designed to make you respond

 

only the CLAIMANT can instigate enforcement

and after 6yrs, pigs don't fly.

 

dx