BCW/Hoist Portfolio chasing +9yrs old catalogue debt .... What to do?

[LensFlare]

Hi everyone. First post here so be gentle

 

A month ago I received a letter from Buchanan Clark and Wells

stating that they are acting on behalf of their client, Hoist Portfolio Holding Limited

(A company who I have had no dealings with, ever), for a £1000 debt I ran up nearly 9 years ago with a catalogue company.

 

I ignored this letter and then recieved another one around a week ago stating

" Notice of impending further action.".

 

They say they are going to advise Hoist to take further action on the account.

 

This could result in CCJ's, warrant of execution etc unless I call them immediately.

 

I could pay the debt off and get it out of the way, but I don't owe them money,

 

I owe it to the catalogue company I ran up the debt with in the first place, don't I?

 

I don't know these people, they could be anyone.

 

The fact that it's 9 years old means it could be SB'd right?

 

If they start sending bailiffs around to my home, would I get any warning first?

 

I'm not entirely sure what to do. Whether to ignore or send them a letter asking for proof I owe them the £1000.

 

What do you guys think I should do?

 

Thank you in advance

[unclebulgaria67]

Hoist are the new holding name behind Aktiv Kapital (Robinson Way).

 

Anyway, if this debt is definitely SB'd, then send them the SB letter. It is then up to BCW to provide evidence that the debt is not SB'd or to stop writing to you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

These letters from BCW are generic and they won't have much info on the debt until they look into it. Send the letter and you should get a response to say that they won't be chasing it any further or that they have found a mystery payment so the debt is not SB'd. If there is a mystery payment, ask for full details of the payment so you can see who made it.

[dx100uk]

check your cra file too.

 

you don't need them trashing it with a phantom payment.

 

dx

[LensFlare]

Thank you for your advice both.

 

I checked my cra file 2 years ago and haven't had any other credit since then.

Should I check it again?

I assumed that as long as I didn't apply for more credit that it would stay the same.

 

Also, I remembered something after I posted this post earlier.

 

4 years ago I applied for an administration order through the courts.

 

This debt was on that order. I am pretty sure that I went on to make no payments and the order got revoked,

but I can't be 100% sure as I may of made 1 single payment before moving to another address.

( It was a hard time, a stupid move. I should of kept up with the payments but you know how life can be.)

 

Debt was the least of my worries at that time and my memory is foggy.

 

I'm assuming that if I did infact make that 1 single payment to the court then the debt would not be SB'd?

 

Do you think I should send the SB letter anyway?

I'm 99% sure it's SB'd.

Would I get in trouble for sending the letter if it wasn't actually SB'd?

 

I hope this post made sense, it's a bit confusing.

[dx100uk]

yes get an new cra file

use noddle its free

 

dx

[LensFlare]

Thanks dx

 

By giving Noddle my address, will my address then be on my cra for debt collectors to see? Is that how debt collectors find people, via cra checks? Sorry for all the questions. I'm a complete newbie. I normally just ignore these things.

[dx100uk]

well unless you've moved

and not updated voters

 

it'll already be there

 

dx

[LensFlare]

I have moved and I don't think I updated voters. I'm not even sure how BCW found me. :/

[dx100uk]

got a mobile phone contract or sky/bt/virgin

they'd have gotten it from your cra file

dx

[LensFlare]

No nothing. We don't even have a TV license as we stopped watching TV altogether last year. We have broadband and a phone line. That's it though.

[dx100uk]

then your details will already be on your cra file, via your BB/phone contract

 

dx

[LensFlare]

Sorry I just remembered the phone/bb is in my partners name. I suppose in the long run you're right. I need to register with Noddle and find out exactly where I stand because I'm stabbing in the dark by guessing what will happen. Thank you for you r help

[dx100uk]

yea wont hurt.

 

worth it in the end

 

might expose other stuff to

that need looking at

 

ps you need to get on voters.

 

dx