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Hoist Finance chasing +9ys old CCJ for GE Money store card debt from 1999.


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Hello I wonder if anyone can share any advice on this please or have experience of being approached about a store card debt from nearly 20 years ago?

 

Brief summary -

I had a store card through GE capital in 1999 (Apparently, I don't remember)

They tell me there was debt on it at some point, for which a CCJ was subsequently issued in 2008 (I don't recall receiving one) but the service address was a property that was  also repossessed in 2008 (I've moved a few times since then)

Later 2008 in was declared bankrupt (they were not aware of this)

Hoist Finance apparently bought the debt from GE capital in 2013, so even that was 9 years ago!

They have now written to me demanding payment.

 

Can anyone advise what is my position and how I should respond in this situation?

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  • dx100uk changed the title to Hoist Finance chasing GE Money store card debt from 1999

ignore them

 

no judge will ever allow enforcement on a CCJ outside of 6yrs.

they would have to return to court to do that

of that you would be informed.

 

if you wish you could simply WRITE to them

and legally inform them of your correct address now.

staple a copy of their letter too it.

 

might be best incase they try backdoor litigation, of what i don't know but better to be safe than sorry.

 

 

 

 

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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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  • dx100uk changed the title to Hoist Finance chasing +9ys old CCJ for GE Money store card debt from 1999.
3 minutes ago, dx100uk said:

ignore them

 

no judge will ever allow enforcement on a CCJ outside of 6yrs.

they would have to return to court to do that

of that you would be informed.

 

if you wish you could simply WRITE to them

and legally inform them of your correct address now.

staple a copy of their letter too it.

 

might be best incase they try backdoor litigation, of what i don't know but better to be safe than sorry.

 

 

Thank you. Sorry just to clarify write to who? Hoist wrote to me at my correct address now, so they already know it

 

 

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No legally they do not as you have moved.  You must always royal mail letter any debt owner on any debt you last paid or used the credit in the last 7yrs to prevent backdoor ccj 's.

 

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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