Hoist chaing old Tesco Loan debt I can't remember. What should I do?

[Lorraine856]

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.

[Bazooka Boo]

Well done for getting your finances straight....and buying a house!

 

Are you on the voters role at your new address?

 

Have you ever had a Tesco loan?

 

 

 

 

 

Edited May 26, 2022 by Bazooka Boo

[dx100uk]

Copy one of their letters and attach it to a cca request.

 

DX

[Lorraine856]

Hi Bazooka Boo,   Thank you for your reply.  I am on the electoral roll at my new home and this shows on my credit file.  I don't remember the Tesco Personal Finance debt, but that doesn't mean I didn't have it.  It just must have been quite a while ago so I don't know how it's just surfaced now? 

 

Hi Dx100 Uk,  thank you for your reply also.  I'm not sure what a cca request is or what it does but I will now check that out.  

 

Thank you both. 

[dx100uk]

click it

 

dx

 

[dx100uk]

question your wisdom of clearing all your debts.

not sure where we recommended that without sending out CCA requests first.

looks like you might have lined the pockets of numerous DCA's giving them free money for the pub every night on a debts that might never have existed.

 

dx

 

 

[Lorraine856]

Hi DX, 

Thank you for your comments and I understand where you're coming from.  Not all my debts were from loans and borrowings.

 

  I got a ccj from Calor Gas because I couldn't pay my heating bill and got behind with payments.

 

Another was from overpaid Council Tax. 

Another was from a bank for an overdraft I couldn't pay. 

 

I was in a real mess.  I lost my job, was made homeless and ended up living in a caravan, and my mental health was poor.  With the help of a good friend who gave me somewhere to live, I managed to get a job, get better and getting clear of debt gave me back myself respect. 

 

I have read some of your posts and I respect your opinions and you clearly have a lot of experience of dealing with this stuff.  

 

I just want to stay clear of the trouble I was in before.  

 

Thank you for your input and help. 

I do appreciate it. 

 

[dx100uk]

Obviously ccj's if you were instructed to pay £xxxpcm by a judge you do so. But if no one chases....   

 

paid or not, a ccj does not fall off your report until 6yrs old .

 

Dx

[Lorraine856]

Yes the ccj has gone now. 

It was back in 2012. 

I paid it all off bit by bit. 

 

I did owe it but Calor were ruthless and didn't help very much with alternatives at the time. 

 

They refused to fill my heating gas tank up until the debt was paid and I couldn't use a different company as Calor owned the tank.  I was without heating for over a year. 

 

I'm going to send the CCA letter to Hoist today.  Thank you for your advice.