Hoist Portfolio Holding 2 Limited - Defaulted credit account

[Dino404]

I've recently come across some concerning information on my Experian credit file which couldn't have come at a worse time (Applying for mortgages)

 

I've recently had a default placed on my file from a company called 'Hoist Portfolio Holding 2 Limited'.

I've never heard of this company before, never received any correspondence

and my attempts to call them have result in voicemail every time.

 

Having queried this with Experian, i received the following response.

 

"Further to your recent contact, the contents of which have been noted

.Please note this account relates to an unpaid finance account, opened on 20th September 2010, a

t the address of *** *** ***, with Vanquis Bank.

 

 

The account defaulted on 6th February 2014 with the balance of £1,251.35.

 

 

We have reported to the Credit Reference Agency this account is Partially Settled.

We trust this resolves your query as we believe the details registered to be correct."

 

Further to this email, I have some background on this 'debt'.

 

 

It was originally an amount owed to Vanquish who sold the debt to a DCA called The Lewis Group

and any attempts to contact Vanquish always referred my back to the DCA.

 

 

An arrangement was made with The Lewis Group as follows:

 

We can confirm our client will accept payment of £1261.92 in Full and Final Settlement of your account.

This will be reported to the credit reference agencies as satisfied with a zero balance.

 

I have the above information confirmed via email and letter correspondence with The Lewis Group

but am not slightly worried where I currently stand with this.

 

 

I've also come to the realization that Experian are not able to do anything but the initial query on this but not remove any Defaults

(which was what i thought i was paying my membership for )

 

I have read up regarding Hoist and the problems others are having with them

but I'm not sure which direction I can go with this considering

i thought it was all done and dusted when i was dealing with The Lewis Group.

 

Thanks in advance

[Bazooka Boo]

I don't understand the issue you're having?

 

Have you paid them anything?

[fkofilee]

Oh is it because it shows partial settled and it should be satisfied?

[Dino404]

Oh is it because it shows partial settled and it should be satisfied?

 

Well up until a few days ago there was nothing on my credit file from Vanquish, The Lewis Group or Hoist.

 

I paid the settlement with the Lewis group up until Jan 14 as agreed and receive an email and letter closing the balance at zero. And then when routinely checking my credit file, the default appeared out of nowhere.

 

Sorry I missed the key bit out in the initial post!

[dx100uk]

so you had a vanquis card

you defaulted on it

and then you F&F'd with lewis

who wree Lewis's client?

[Bazooka Boo]

The oldest trick in the book unfortunately.

 

Did you have it in writing that they would accept your offer as F&F, AND mark your CRF as satisfied/settled?

[Dino404]

The oldest trick in the book unfortunately.

 

Did you have it in writing that they would accept your offer as F&F, AND mark your CRF as satisfied/settled?

 

Yes I have email and letter correspondence from The Lewis Grouop that it would be a full and final settlement. An extract below.

 

 

We can confirm our client will accept payment of £1261.92 in Full and Final Settlement of your account. This will be reported to the credit reference agencies as satisfied with a zero balance.

[dx100uk]

then sent that email to hoist and give them 14 days to remove the whole new account or you'll start a complaint with the iCO

 

 

dx