Hoist and old Barclaycard debt - Pre-legal assessment letter

[DebtBoy69]

Hi,

 

Just got a letter from Hoist re: a pre-legal assessment giving me 10 days to respond.

 

The main gist is threatening legal action/account being transferred to a solicitors.

 

The debt is from around 2018 and is £2000. 

 

What are/should be my next steps in regard to this?

 

I was previously out of the UK and came back last year.

[Ethel Street]

Was the debt with a UK creditor from when you were living in the UK? Or are Hoist contacting you about a debt you incurred with a foreign creditor when you were living outside the UK?

[DebtBoy69]

 

UK creditor (Barclaycard) from when I was living in the UK. Moved for a number of years and now came back. 

[dx100uk]

When was the last time you used the card or paid Barclaycard?

 

Dx

[DebtBoy69]

Around July 2018.

 

*edited as mistake

Edited June 8, 2022 by DebtBoy69

[dx100uk]

so not statute barred.

 

have you informed all your debt owners in writing since you returned to the uk of your curent and correct address if its different from before you went abroad since you've returned to the uk?

 

if not, you need to, as if not, you'll start getting backdoor ccj's filed to an old address you'll know nowt about until court bailiffs come a knocking...

 

 

[DebtBoy69]

Yes I sent a letter to all relevant people - one debtor now changed to intrum on behalf of another debt. 

 

Letters being sent from Intrum (debt £3,000) - but no court action 

 

Then this one from Hoist.

[dx100uk]

As long as your debt owners are aware of your correct address following a letter of advise from you, then ignore everyone until/unless you ever get a letter of claim. With a rwply pack.

 

are you paying any of then? Hope not... 

[DebtBoy69]

Definitely not paying them!

 

okay I’ll look out for the letter of claim/pack - thank you very much 

[dx100uk]

Well done..

 

Just remember a dca is not a BAILIFF

and has

ZERO legal powers on any debt - no matter what its type.

 

DX

[DebtBoy69]

Hi

 

received a letter of claim it has a reply form attached. 
 

what should I do from this point?

 

thanks again 

 

LoC attached, too

 

 

Thank you! 

 

Updated attached Howard Cohen LoC 2.pdf

[dx100uk]

Thats a letter of claim.

 

click it follow post 2 in the link.

 

 

[DebtBoy69]

Great thank you 

 

Will send CCA and the PAP form from that post

[DebtBoy69]

Sent to hoist, got a receipt and my £1 postal order back. Apparently they don’t need that for a CCA request anymore.

 

They sent a letter stating they’re looking into the request. 

[dx100uk]

as they do.

 

sit on your hand until/unless they try and reply with their usual bog paper.

 

go read a few hoist barclaycard threads too

use our enhanced google search box

 

dx