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    • have you any record of when the £279 was first 'claimed' that you owed it, as that might give a good indication upon it's statute barring date. the fact that you remained with them till late 2021 makes no odds. i cant see how this has grown to +£3k mind. something is not right here. when was the court claim and how much was it for please? and if they didn't issue a notice of discontinuance, N279, how do you know the claim was 'discontinued'? what written evidence have you from EON that states this? as that could dictate SB date too. as for today, you ignore DRA, i suspect a default was registered years ago and with an existing stayed? court claim - it's going nowhere. thread title updated.
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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021. npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279. The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills. I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this. EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.  I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.  And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
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Hoist and ex idem mbna card debt - who are they are why have they defaulted me?


FrencDAC
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Hoping someone can help with Hoist reporting on my credit file.

 

I started getting the odd letter from Hoist Finance which I *think* may have taken over an old MBNA credit card. 

 

I got into real difficulties back in 2009, lost job, had wife and kids to support and literally had to live on credit eventually setting up a payment plan with Stepchange - life then got better.

 

But, a default is haunting my credit report so we can't get a normal mortgage - I had to change to interest only to reduce monthly outgoings, but now can't get a normal mortgage because of this default.

 

I stopped paying Hoist about a year ago and get a letter from them from time to time asking me to call them and pay. I owe £900. 

 

Firstly, how do I go about finding out where the debt has come from without admitting liability (I think it's MBNA) and secondly, any advice on getting a default removed?

 

It's dated as December 2018 but this balance is much older than that when it would have been defaulted. This means another 2 years with a bad credit report.

 

It's £900 and I'd pay it if I thought they'd remove the black mark. 

Any advice gratefully received. Cheers, F.

Edited by dx100uk
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  • dx100uk changed the title to Hoist and ex idem mbna card debt - who are they are why have they defaulted me?

Mbna would have defaulted you upon or before sale to idem.

a debt buyer simply has their name replace the previous owner..

 

there is no way to remove a default and as long as the new owner does not change the defaulted date from that registered by the original creditor, they have done nothing wrong.

 

send mbna an sar, that will get you everything.. find out the true date of the default notice .

 

A single default should not hurt even a prime lender mortgage.

 

Dx

  • Like 1

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 dx100uk.

 

But Hoist must have changed the date - the date on my credit report is showing as Dec 2018. I defaulted a long time before then as I couldn't keep up the repayments agreed.

My credit report is showing as being poor - everything else is OK though - but according to a mortgage advisor I spoke to, apparently a lender is not likely to give a normal mortgage with a default in place.

I'll SAR to MBNA then and see what they come up with. Do I need to contact Hoist? 

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No get the truth first 

 

Get a proper mortgage advisor too or go directly to a prime lender yourself. You don't need him 

 

If MBNA took months to register a default notice then you might have cause to get it moved. But you need the true data.

 

Typically a dn should be issued 3-6mts into a reduced payment arrangement but those ico guidelines were changed in 2014 .

 

If hoist or idem have changed the original date of the default registered by MBNA, they are in hot water 

 

 

  • Like 1

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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