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My mediation date has been changed from 01/06/22 to 08/06/22.
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By Lorraine856 · Posted
Good morning, I'm hoping you can help me please. I last posted here in 2011 and at the time I had been made redundant, was quite poorly and was being chased for lots of debt. The forum gave me so much help and advice and I was truly grateful. Since then, I have worked really hard to become debt free. I got a great job and started systematically repaying all my debts. It took a very long time but two years ago, I was able to get a mortgage and buy a house, and my credit score today is showing 999 on the Experian site. I have vowed never ever to get myself into that kind of trouble ever again and am managing my finances well. I am even able to pay a bit more off of my mortgage each month as I want to clear it quickly. A few weeks ago, I received a letter out of the blue from Hoist Finance, welcoming me and offering to help me pay off a debt to Tesco Personal Finance for £4710.17. I don't even remember this debt and thought I had paid off everything that was showing on my credit files. I was originally using Clear Score as they showed everything. I have since received a couple more letters from Hoist - with two weeks between each one. The letter I received today was a little more insistent and at the end of the pseudo supportive narrative says in bold letters, "Remember it's important that you use our portal or contact us directly to find a way to manage your account (I don't have an account - not one that I have set up anyway). Actively managing your account means that we won't have to consider taking any further collection activity on your account". I have worked so hard to improve things for myself and I don't want to get into difficulty again now. This debt can't be on my credit files or my score wouldn't be so healthy would it??? Do you think it is statute barred? Do I just ignore the letters? Please can you give me some advice so that I can do the right thing. Thank you so much for reading my post. -
@Digital_2012 sorry for harping on and giving you things to do, but I think you need to have a good think about which of the photos you have would be most likely to convince a judge, choose them, and then hpload - a new set of daylight photos, and - a new set of night photos. In their WS opposing your set aside application the idiots didn't even include any night photos. There's a good chance they will be so stupid this second time around and will have nothing to counter what you put forward. Then we can adjust the WS accordingly, include LFI's points, and the WS will be 99& completed.
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By BankFodder · Posted
@Giraphen88 I'm sorry you haven't posted up your story yet. You may be interested to know that we now have two judgements in favour of people who were refused reimbursement by courier companies on the basis that they had no insurance. If you can post up your story, you will get assistance and also if it goes to court then you will be provided with copies of the judgements -
Hi Dx. Ok I received the attached in the post just now. What do you advise? Also should I reply back to the original letter that IDR sent and try to give some kind of settlement plan? A monthly amount or something? As I cant afford to be bankrupted. Please let me know. Thanks SD Letter - 26_05_2022.pdf IDR Letter Redacted - 09_05_2022.pdf
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