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mollywobbles

Hoist/cohen Letter of claim - old Lloyds credit card

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I hope I'm posting in the right place. 

 

Following a legal success earlier this year with respect to a similar debt, here I am again. 

 

Letter of claim received today from Howard Cohen, acting on behalf of Hoist Finance UK Holdings 3 limited.

I'm not familiar with either company.

 

The original debt was with Lloyds, it was actually my partner not me, originally taken out in 2012.

He later got into financial difficulties, step change got involved and then things got confusing from there.

 

He was not made aware that by making minimal payments with stepchange, the account would end up in default, but obviously it did.

We sent a CCA to Lloyds at that time (2016) - never received a response. 

 

The account was later sold on to Robinson Way.

I suppose they must have sold it on again to this Hoist Finance.

According to today's letter it was legally assigned to them in November last year. 

 

What are my first steps?

If it's a CCA, who should I send it to?

And I seem to remember that we must reply to the form enclosed with the letter of claim

- can anyone confirm? 

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all members of the hoist group of companies.

 

follow post 2 here

 

when was his last payment?

 

 


..

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sometime 2016 I believe. Definitely within the 6 years. 

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So Howard Cohen and Hoist are like Lowell and Lowell Solicitors basically? 

 

The CCA + £1 PO go to Hoist (where do I find their address?) 

 

Site version of the PAP form goes to Howard Cohen at their address completed as per the post. 

 

Do I need to mention to Howard Cohen that I've requested documents from Hoist? 

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no they'll know soon enough

as for hoist

copy the name carefully [they have lots

use the fca register on the fca site.

 

 

 

 


..

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Thank you Dx. I'll update when I hear back. 

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Looking for Hoist's address on the FCA register as advised... I can only find one (in Salford, for Hoist Finance UK limited). It's not the exact name that is on the letter (Hoist Finance UK holdings 3 limited). Companies House website is showing the latter at the same address as the former so I'm hoping that's ok... 

 

I'm mostly posting here for a record of when the responses were sent. Will be tomorrow, 29th July. 

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