Hoist Now Lowells - Barclaycard debt SB'd? File Closed

[Baz1994]

I received a letter from Lowell in April 2023 telling me that they acquired Hoist Finance and included information of a notice of assignment for my Credit Card debt.

They have been continuously sending letters regarding arranging a repayment plan in which I have ignored.

In April 2020 previously received a letter from Robinson Way in which I responded with I have no knowledge of debt letter etc and received no reply.

 My problem is I cannot remember when the account defaulted but vaguely remember it was around 2016 so possibly statute barred.

There is nothing showing on my Credit File for this debt in which is strange.

My question is if I reply with a No Knowledge of Debt letter or CCA request to the DCA, does this start the 6 year period ticking again?

Any advice would be appreciated.  

[AndyOrch]

1 hour ago, Baz1994 said:

does this start the 6 year period ticking again?

No

[Baz1994]

thanks Andy.

send Prove the debt letter / CCA request to Lowells from this site?

Or GDPR?

Or do nothing?

[AndyOrch]

CCA request if you have never done one. I would assume its statute barred though 

2 hours ago, Baz1994 said:

There is nothing showing on my Credit File for this debt in which is strange.

 

[dx100uk]

sent 'em our sb letter from the debt collection library surely is the best route, doesn't matter what paperwork they do or do not hold if it's SB'd.....

[Baz1994]

Ok many thanks again both of you and will keep you posted.

May opt for the prove it  / CCA letter first to the DCA as unsure exactly when last payment made.

 

Edited March 7 by Baz1994

[dx100uk]

i would very much doubt you paid after the DN was issued by BC. 

not harm in your ringing BC and asking.

sending the SB letter by 2nd class post with free proof of posting is much simpler the 2 other letters that simply invites pointless letter tennis.

lowells will  soon write back if they claim it's not SB'd.

cant hurt you at all...then you can do the CCA request if necessary.

also what might be important here is if you've moved in recent years and never written to inform your debt owners you have.

should this be the case, you are in danger of a backdoor CCJ, which might be what lowells are upto.

the prove it letter for debts regulated by the CCA is a waste of time as CCA debts are now covered by the pre action protocol....thus must issue a letter of claim...however if you've moved you'll never see it as it will be sent to your old address registered with BC or as was robbersway (hoist) when you last wrote to them..

dx

[Baz1994]

Cheers dx.

Did you say Statute Barred letter in Library?

I have not changed my address for nearly 24 years.

My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently.

My debt balance slightly less than I thought.

No previous PPI on the account.

Sorry but trying to rake my brain at the moment before the best course of action.

[dx100uk]

it is only a payment from YOU  that resets sb clock

any penalty charges refund due to BC not sending a notice of sums in arrears before levying them and the interest they attract does not count as a payment from YOU.

send the SB letter.

dx

[Baz1994]

Many thanks again as always DX.

I will proceed with Statute Barred letter to DCA first and take from there.

[Baz1994]

Hi just an update.

I today received a reply from Lowell's to the Statute Barred letter sent.

"We have reviewed your account and decided to take no further action to recover the balance. We have now closed the account".

Thank-you again for your help. 

 

[dx100uk]

hey you won

ruddy chancers

thread title updated

dx

[Baz1994]

I know dx and thanks again for yours and others help.

I was 99.999% certain last payment was over six years ago if not longer. 

Edited March 28 by Baz1994