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Hoist Portfolio 2 Limited chasing an old Welcome Finance debt


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Hi

 

I received a letter in September from Hoist Portfolio Holding 2 Limited stating the following

and that I was to make payments to Robinson way.

 

 

The first paragraph of the letter is as follows.

 

" We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account

(Ex Welcome Finance Limited) to Hoist Portfolio Holding Limited effective 10/08/2015.

The balance they say is £17580.00."

 

This was a loan that I took out with Welcome Finance and was secured on my home which was subsequently repossessed in October 2010.

 

Further down the letter it states that I should check my credit file and that this account will currently be showing under the name of MKDP LLP.

 

However when I check my credit report (Both Experian and Noddle) there is no mention of this debt in either my Active, Default or settled accounts.

 

 

When I spoke to Robinson way about this account,

I said I would speak to Step Change and this gave me 30 days grace.

 

 

However the time has now come when they will be contacting me again by phone.

 

Before I speak to them I would like to know where I stand as if it was still a debt surely it would appear on my credit file.

 

I look forward to some advice on this matter.

 

Regards

 

Kim Kitchener

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When they ring again, laugh and hang up, keep everything 'in writing' ONLY.

 

Keep a diary of events also.

 

If it doesn't show on your CRF, then sit on your hands for the time being.

 

If robbersway have this, and something this size, then something must be up with it?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hehe what little fleecers.

FWIW hoist and robbers and MKDP are all the same group now

so they are lying to con you

the charge is dead 

you've sold the property

its their tough luck they missed the boat.

 

ever sent an sar to welcome?

 

you could have PPI to reclaim at least here and MIF and prob contents/building

all you got spoofed out of.

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Many thanks for the comments, you have certainly put my mind at ease. I am going to block their telephone number and send a letter stating that I believe the charge to be dead as it is secured on the old property that I had.

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pers I wouldn't bother

 

 

simply invites letter tennis.

 

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I've got the same thing with Robbers/ MKDP/ Welcome. 2 accounts, both statute barred im going to just sit on them for a while longer before i break the bad news to them.

 

t-star

FOR THE BENEFIT OF OUR FRIENDS IN THE NSA USING THE PRISM SYSTEM. HELLO FROM THE UK.

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Don't reply to them ever. Only if you get a court claim, and that is almost guaranteed not to happen

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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why not get reclaiming all the spoof insurances welcome levied?

 

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Agree with dx. You could be reclaiming thousands here.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 weeks later...

i have received letters from Robinson way asking for payment for £17,580.00.

This was for a secured loan from Welcome Finance that was on my old home that got repossessed.

 

As far as I was concerned when the house was repossessed the loan was paid off

as I have had no correspondence from Welcome Finance stating that I owe them any money.

 

I have checked my credit file and there is no mention of any loan regarding this figure on it.

 

I want to write to Robinson way stating that I do not believe this money is actually owed

but do not know exactly what to put in it.

 

Any advice would be much appreciated.

 

Regards

 

Kim

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Whoa, slow down!

 

DON'T contact anyone yet.

 

What exactly, did the letters robbersway send you say?

 

This has alarm bells ringing all over it, not only where welcome finance are concerned but robbersway with a 17k debt!

 

When did you take this secured loan out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The loan was taken out about 5 to 6 years ago although I do not have the original paperwork so am unsure of the exact date. The letter from Robinson Way states the following.

 

We want to work with you to agree an affordable arrangement based on your individual circumstances, so we ask that you complete the attached financial statement detailing your income and your expenditure and your proposed payment to us.

 

Alternatively we may be able to agree a reduction in the balance you owe and we may allow you to pay this reduced balance over three months. Please note that where this account is recorded on your credit file, once any agreed reduced amount has been paid then this will be updated as partially settled with zero balance outstanding and not as settled or satisfied.

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Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Was it Welcome that repossessed the property ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ignore them.

 

tough luck if welcome didn't get their secured loan paid off.

 

if robbersway have it

you know it bogus

 

all they've seen is £17k

and the computer has srouted out threat-o-grams.

 

unless/until they issue a claimform ignore.

 

don't forget

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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You owe them NOTHING. Theyve got greedy after seeing the possible amount they can get.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

 

Not sure what the first sentence means.

Unfortunately I spoke to them on the phone once but have not taken any other calls from them. They have sent me about 6 letters regarding this so far.

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You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

 

Many thanks I will keep a diary and log any other letters that they send me.

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Can you tell us when the loan was taken out and how much the credit was, ie was it under 25k was it before or after 2008. Did you ever have an agreement ?

 

Have you ever asked to see one ?

 

I take it there was insufficient equity on the property when GE money foreclosed ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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