Hoist and old Lloyds Goldfish Goldfish card DEbt - no CCA - place hold on account

[Juandy]

Requested cca from hoist.

Received letter saying they have asked for a copy of the agreement and that my account has been put on hold temporarily. And they will contact me when they receive documentation. 

Should I stop payments now

 

[dx100uk]

if this is a credit card and they have failed the 12+2 working days limit for the CCA ...IMHO yes cease payments.

 

another cash cow account removed from the DCa milking parlour ...  

[Juandy]

Request sent 16th April 

[London1971]

I’d call that a win. They may never receive documentation and finally you are allowing your statute barred clock to start ticking.

[Juandy]

Because I'm currently on a payment plan should I continue to make monthly payments until they say they cannot find documents and that the debt is unenforceable 

[unclebulgaria67]

What is the payment plan you are on ?

 

Is this with Hoist only for this one debt ?

 

Type of original debt ?

 

When was original account taken out ?

 

Before you started paying Hoist, when did you last make a payment towards this debt ?

 

 

 

[Juandy]

Paying monthly payments to hoist for goldfish cc. Gf cc took out 2006, gf account defaulted 2009. Transferred a couple of time since then

[London1971]

They have mugged you left, right and centre. Nothing to be ashamed of, you have now found the right place for genuine advice.

 

You would have been better off never paying them a penny! Do not pay them any more! 

[Juandy]

Thanks for your help, all a bit scary. I'm a bit of a worrier. I will cancel my standing order and hope for the best

[London1971]

I’d not worry about any of that.

[Juandy]

Main worry is losing our house if things go wrong 

[London1971]

No chance of that.  
 

Have you changed address since you started paying this off?

[AndyOrch]

What is the actual value of the CC debt...if we knew that we could then possibly advise on what possible action may follow.

 

Andy

[Juandy]

The gf cc balance Is approx £5.5k but our total debts are over £75k. And no we haven't changed address 

Edited May 5, 2021 by Juandy

[AndyOrch]

But £5.5K in this instance for this topic......see how Hoist respond when you stop payment and keep this topic updated.

[Juandy]

Next payment due in a couple of weeks, so shall I cancel that payment and await their response 

[AndyOrch]

That's a decision for you to make....until they can comply to your request...the debt is unenforceable...but there is no harm in stopping payment and see what they wish to do next.

[Juandy]

Thanks again for your advice, I will cancel standing order and update this topic when I have any response 

[AndyOrch]

Be prepared for all the scary letters in red and possible texts/calls (if they have your details) threatening all on sundry ....but until you actually receive a Letter of claim...its going round in circles.

[Juandy]

Bit worried about this but here goes nothing,  let's see what happens. I shall cancel payments tonight when I finish work

[dx100uk]

and anyone else that fails the CCA in your main thread.

 

type in cash cow and get reading up in our enhanced google search box.

the more you read the stronger we become

[Juandy]

Thank you all for your help, will read up later

[London1971]

It’s important to note also, do not get on the phone with these people. Either ignore their calls, or if they do somehow get through to you ‘Sorry, I don’t give out information over the phone, you are welcome to write to me’ Phone down.

[Juandy]

All advice appreciated 

[dx100uk]

so an old HFC Goldfish card 

no a chance in hell of them ever getting a enforceable CCA

bye bye debt...