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Debts in the UK now with DCA (Hoist, Wescot and Lowell)


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I left the UK in 2018 and behind it closed the door (and buried my head in the sand) to a number of debts. 

 

Various collectors have found my mother's address and are sending letters - she's obviously keen for me to deal with my debts, but I'm hesitant to give money to these companies. Especially as they'll be on my messed up credit score for 6 years regardless. 

 

I am returning to the UK August 2021 - so I would like to know what to do before this move, and after this move. I'm in a better position financially and mentally.

 

I have not acknowledged or paid anything to these debts since I moved in August 2018

 

The breakdown are: (Credit cards)

  • Barclays - Now Hoist finance uk holdings 1 limited (£2100 debt defaulted Feb 2019)
  • Tesco Bank - Now Wescot (£3400 debt defaulted Nov 2018)
  • Halifax Bank -  (£920 debt default Jan 2019)

 

There's also a network 3 mobile bill. The default was Feb 2019 and it was originally for £144 - now it's £450 and the DCA is Lowell.

 

Any help or advice is appreciated here.

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Register your foreign address with all of the debts owners, by writing to them, with proof you reside abroad. Do not say anything about owing a debt and don't mention any plans about returning to the UK. Just keep it simple. It is purely registering your foreign address. And keep copies of letters and proof of posting.

 

Don't worry about any enforcement of the debt where you are living abroad. It would be too complicated and costly for them to do so.

 

By registering your foreign address with the debt owners, it will hopefully stop your Mother receiving letters and more importantly, it should stop them gaining UK Court judgements (CCJ) against you in your absence, as you were abroad so could not defend.

 

If you return to the UK, these debts on your UK credit record will cause you problems such as obtaining any form of credit. And getting a CCJ would cause you more problems with some employment and property renting affected.  If you are in a position to offer reduced full and final settlements to clear debts, it may be worth considering, but do not do this until you look into the debts further. For example debts may include amounts which can be argued should not be included e.g. excessive charges

We could do with some help from you.

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Hey, 

 

Thanks for this! 

 

I assume I have to do this by post, and cannot inform them of my address by e-mail? For proof, what would be good for this - a scan of my residency card with stuff redacted, a scan of my current work contract?

 

In addition, the Hoist debt I only know because I checked my credit file - I actually haven't received any correspondence from them (as far as I'm aware) - What would a letter to them... look like? By default I think it would look like I was admitting debt haha. 

 

A letter like:

 

"This letter is to register my address in X, the address is X"

 

Any other information I need to include? 

 

Cheers again. 

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Try email first with scanned copy of residency card. Don't send too much information and certainly not work contract. It is purely registering foreign address.

 

Problem with emails, is that they may ignore or refuse to accept email. So you may have to send letters. Posted Letters do seem to be important, as not all legislation accepts emails as proof of supplying information.

 

Your letter should include details of original creditor, any reference numbers. If your Mother has kept letters, ask for any reference numbers that are quoted.

 

Letter.

 

To whom it may concern.

 

Original creditor xxxxxxx

Reference xxxxxxxxxxx

Last UK address xxxxxxx

 

Please note that I currently reside at the address below and enclose a copy of my residency card.

 

Xxxxxxxxx

Xxxxxxxxx.

 

Please acknowledge receipt of this letter confirming that you have noted my foreign address and will use this for all future communications.

 

Yours faithfully

 

Print name. Do not sign.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Write to them with a simple letter confirming you're current address, make sure you keep proof of posting. The first day that you arrive back in the UK next August, you write to them again with your new address. It's as simple as that!

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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dont bother writing to wetcloths, they don't buy debts, merely chase for their clients.

 

so lowells,hoist,tescos, halifax.

 

pers i would recommend NEVER using email as if things ever got nasty then important documents could be served later in the process at 1 min to a deadline and you'd have no legal remit time to counter their lies.

 

 

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... 

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Thanks guys! Much appreciated.

 

I won't e-mail, I'll just send from here. Hopefully it won't take too long, though by the time I get an acknowledgment I'll probably be gone aha.

 

In terms of when I get back to the UK what's the best course of action? Am I better waiting out as long as possible to pay - make them prove the debt and stuff? I want to avoid a CCJ, but regardless I know this isn't gonna be off my record for a good while. At what point should I get ready to make payment/settle? 

 

Sorry if it sounds like I don't know anything, it's because I really don't know what I'm doing. 

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Priority is sending the letters and getting confirmation that you live abroad.

 

With Covid-19, you cannot be certain that you will be back in the UK at any given point. If there is another lockdown then plans may get put on hold.

 

When you return to the UK, simply update the debt owners with the new UK address. Let them write to you first and after receiving a number of chasing letters, come back for advice.  If you are not coming back to the UK for about a year, the way to challenge debts may have changed by then.  So update your thread on here, when you return to the UK.  Debt owners don't rush to issue court claims.  A sensible step is often to send the original creditors e.g, Banks,  phone companies a GDPR subject access request.  Do this when you return to the UK, so you have more  information available to help you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Thanks again! 

 

This all makes sense. I'll inform the companies this week, and when I come back to the UK. I'll then come back to this thread then. 

 

So glad I found this site! Such a help, much appreciated. Have a great week. 

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  • 1 month later...

So update on 2 of the letters.

 

I sent 1 to Wescott (now they are saying they are no longer in charge of this debt)

 

1 Hoist (without a ref number) as I only got the information that they had bought the debt from Equifax, they wrote back asking for a reference number as they couldn't find the account.

 

My Q is how do I find out who actually is currently holding this debt? Should I write directly to the bank I originally got the credit with?

 

Thanks~

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not sure where we said send it to wetcloths?

 

the hoist debt will be your old barclaycard.

 

dx

 

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... 

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Ah, I must have misread to send to everyone - looks like I did.

 

I don't have any of the cards anymore, they're in a lost wallet. 

 

I do have a Q - if I log into the online banking again/or try to to find the card numbers and whatnot - does this have an effect on the timer for SB timer?

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nope

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... 

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