Jump to content
  • Tweets

  • Posts

    • merged them for you..   still puzzling why as BA says in that quoted thread i found... why nothing from the court previously..should have been lots of comms before a bailiff letter then a visit   and ofcourse the cheeky visit to ramp it up to now £310 fees.   hope the op rang today and can update us....
    • Do you mean that you have filed your court claim?   If so please can you post a copy of it here
    • 7. In March the WHO recommended all countries launch a Track and Trace app 8. Apple and Google developed one and made it freely available to any country. Dozens of countries use it without any issues 9. But the UK decided to build its own “world beating system” 10. Apple and Google said the UK’s approach was impossible 11. 300 app and technology experts condemned the UK plans 12. But the govt ignored that, put the wife of a Tory MP in charge and gave her £11m, almost 3x the average budget for any Track and Trace app worldwide 13. The UK app planned to collect your data, which could be sold to any private business for 20 years 14. The govt promised the App by mid-April 15. Then the govt promised it by Jun 1 16. Then the govt promised it by Sept 17. Then the govt promised it “for the winter” 18. Then it was revealed the govt had asked Apple for access to their proprietary code, to which Apple said no, because the app breached international privacy laws 19. Then the WHO said lock-down measures should not be relaxed until Track and Trace were in place 20. But the UK govt replied that manual track and trace would work fine 21. And then it was revealed the UK's manual track and trace service missed between 30% and 80% of contacts 22. After a trial of the App, a report showed it worked just 4% of the time on Apple devices and missed 25% of connections on Android 23. And then, finally, the govt announced it was abandoning its “world beating system” 24. Matt Hancock said he had long been aware of “technical blocks” in the UK app 25. Then Matt Hancock said we had long been working on both Apps, but didn’t explain why we only tested the one he "knew wouldn’t work" on the Isle of White 26. Matt Hancock said he would now create a “hybrid system”, and had spoken to Apple about it 27. Apple and Google said nobody had spoken to them, and it was still impossible 28. It was reported the UK app developers had tried to block rival apps, and called them “the enemy” 29. It was reported the scripts given to manual contract tracers didn't even match the app 30. MIT Technology Review described the UK’s contact tracing and app development as a "fiasco" and “a masterclass in mismanagement”       https://forums.digitalspy.com/discussion/2383363/theweekintory-keeping-tabs
    • As not english person I'm finding it really difficult to deal with all this. . I'm not even sure what SAR is and where to send it.  When I asked lloyds to start investigation about irresponsible lending (all done over the phone nearly 4 weeks ago) they've gave me ref number but didn't hear anything back. They've sent me a letter about overdraft that it has all fees and interest stopped and default will go on this account for 6 years and that the collection department will contact me.  How can I start an investigation about irresponsible landing the right way?  Please advise and thank you
    • Hi BankFodder,   Just a quick update:   Parcelhero have been in contact with me each day, they've been trying unsuccessfully to get hold of Hermes, so after a week we've moved to the claims process. The chap who's helped me through it has been good, so I've not had to ask any questions here etc.   I've submitted my claim, and I'll let you know what happens as a result of that.   Wanted to extend a thanks your way once again, the conversation put me at considerable ease.    
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

2004 Default removal? -JD Williams /Hoist Portfolio

Please note that this topic has not had any new posts for the last 1845 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts



I would really appreciate some advice on trying to remove a default I have with HOIST PORTFOLIO HOLDING 2 LIMITED.


Despite me not having a debt with this company and despite me pursuing them for evidence of a debt

(they say it originates to a mail order account opened with JD Williams in 2004

at an address I only temporarily resided at)



they have failed to provide proof and continue to place a default on my credit file.



They are claiming the account was receiving payments through a debt management company until 04/2011

when they claim it was defaulted.



However they have no proof of these payment and

when I contacted the DMC concerned they said they had no evidence either.


I have just been turned down a mortgage with Santander because of this,

despite me showing evidence to them of where I have requested proof

and also complained to the Financial Ombudsmen.



They refused to "take my word" for it and said I could only get the mortgage

if I got Hoist Portfoliio to admit they were wrong

(I tried to explain it isn't in their interest to do this as they just want the money regardless

but they wouldn't take this on board).



Santander's mortgage advisor said well go to the police or the Chief Exec of the Debt Collection company.

Very helpful!?!?


the last correspondence I had (further to an Ombudsmen complaint) from Hoist was to say the following:


"My understanding of your complaint is you are unhappy with the default against your credit file

as we have not provided evidence of your liability.



JD Williams have provided a reconstituted agreement along with a statement of account.

The account was opened in your maiden name.



JD Williams have also advised they hold a record of the account being paid

by a debt management company however no payments have been received by us.



We would therefore respectfully suggest that you pay us using the reference on this letter.

We are therefore satisfied the reporting on your credit file is correct."


Any advice on how I tackle this would be hugely appreciated



Link to post
Share on other sites

so actually nothing to do with hoist the debt buyer

but with JDW as theywould have placed the default on your file.



have you ever sent JDW an SAR to get all the info they have on you?



and as this was taken out when you were resident with other people

I would supect that this is ID theft, which in those kind of places is quite common.




please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



Link to post
Share on other sites

I haven't sent a SAR no. JD williams never placed a default.


The default was only placed in the last 12 months by Hoist even though they're saying it defaulted in 2011 they didn't record it from then.


I spoke to Jd Williams and they asked me to send them bank statements showing I wasn't residing at the property when the account was opened.


Obviously I refused to do that.


I then reported them to the Ombudsman.


Hoist then told me not to liaise with Jd williams but to only contact them.

Link to post
Share on other sites

a debt buyer cannot default a debt only 'update' an existing one

neither can they change the original defaulted date.



why not send JDW proof you were living else where by some other means.



CTAX? rent bill? util bill?



cant se why they want bank statements other than to prove address



nothing to stop you blanking everything out bar the address stuff.



I'd be still sending that sar

please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



Link to post
Share on other sites

Asking for bank statements allows them new access to the account numbers and sort codes if the document is not fully redacted. CT bill will suffice as will the address links from the CR files....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Report them to the ico for incorrect reporting on your credit file. It's in breach of the data protection act.


What's Best for You?



The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.


Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007



Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...