Hi All,
New here, so I apologise if this is something which is easily found.
I have received a letter from Hoist Portfolio/HC Solicitors for a debt of £1500 which was defaulted on in 2013.
A bit of background - I was known by a different name for 2.5 years when fleeing Domestic Abuse. I changed my name back to my maiden name in 2012, then was married in 2013.
The default on this happened due to having a horrible year in 2012 and my Husband and I being made redundant within two weeks of each other at Christmas.
To be honest, I had completely forgotten about this debt. We have moved multiple times and so have likely missed correspondence regarding it.
I now have a “Letter of Claim” in my old name. I am aware that they’ve probably linked my old name with my current name. I have never deliberately withheld information, I just genuinely hadn’t thought about informing creditors directly all those years ago.
Please can someone advise as to the best way to approach it? I obviously do not want to end up with a CCJ, but am unsure where to start with this.
Thank you so much in advance.