Hoist Portfolio 2 Limited chasing an old Welcome Finance debt

[kimkitch]

Hi

 

I received a letter in September from Hoist Portfolio Holding 2 Limited stating the following

and that I was to make payments to Robinson way.

 

 

The first paragraph of the letter is as follows.

 

" We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account

(Ex Welcome Finance Limited) to Hoist Portfolio Holding Limited effective 10/08/2015.

The balance they say is £17580.00."

 

This was a loan that I took out with Welcome Finance and was secured on my home which was subsequently repossessed in October 2010.

 

Further down the letter it states that I should check my credit file and that this account will currently be showing under the name of MKDP LLP.

 

However when I check my credit report (Both Experian and Noddle) there is no mention of this debt in either my Active, Default or settled accounts.

 

 

When I spoke to Robinson way about this account,

I said I would speak to Step Change and this gave me 30 days grace.

 

 

However the time has now come when they will be contacting me again by phone.

 

Before I speak to them I would like to know where I stand as if it was still a debt surely it would appear on my credit file.

 

I look forward to some advice on this matter.

 

Regards

 

Kim Kitchener

[fkofilee]

Stay off the phone, in writing. When was this taken out?

When was the last payment? WF debts are full of issues...

[kimkitch]

Thanks for this, I will request all further correspondence in writing. Not sure when the loan was taken out, is there a way to find out now Welcome Finance have gone bust.

[Bazooka Boo]

When they ring again, laugh and hang up, keep everything 'in writing' ONLY.

 

Keep a diary of events also.

 

If it doesn't show on your CRF, then sit on your hands for the time being.

 

If robbersway have this, and something this size, then something must be up with it?

[dx100uk]

hehe what little fleecers.

FWIW hoist and robbers and MKDP are all the same group now

so they are lying to con you

the charge is dead 

you've sold the property

its their tough luck they missed the boat.

 

ever sent an sar to welcome?

 

you could have PPI to reclaim at least here and MIF and prob contents/building

all you got spoofed out of.

[kimkitch]

Many thanks for the comments, you have certainly put my mind at ease. I am going to block their telephone number and send a letter stating that I believe the charge to be dead as it is secured on the old property that I had.

[dx100uk]

pers I wouldn't bother

 

 

simply invites letter tennis.

 

 

dx

[t-star]

I've got the same thing with Robbers/ MKDP/ Welcome. 2 accounts, both statute barred im going to just sit on them for a while longer before i break the bad news to them.

 

t-star

[renegadeimp]

Don't reply to them ever. Only if you get a court claim, and that is almost guaranteed not to happen

[dx100uk]

why not get reclaiming all the spoof insurances welcome levied?

 

 

dx

[renegadeimp]

Agree with dx. You could be reclaiming thousands here.

[kimkitch]

i have received letters from Robinson way asking for payment for £17,580.00.

This was for a secured loan from Welcome Finance that was on my old home that got repossessed.

 

As far as I was concerned when the house was repossessed the loan was paid off

as I have had no correspondence from Welcome Finance stating that I owe them any money.

 

I have checked my credit file and there is no mention of any loan regarding this figure on it.

 

I want to write to Robinson way stating that I do not believe this money is actually owed

but do not know exactly what to put in it.

 

Any advice would be much appreciated.

 

Regards

 

Kim

[Bazooka Boo]

Whoa, slow down!

 

DON'T contact anyone yet.

 

What exactly, did the letters robbersway send you say?

 

This has alarm bells ringing all over it, not only where welcome finance are concerned but robbersway with a 17k debt!

 

When did you take this secured loan out?

[kimkitch]

The loan was taken out about 5 to 6 years ago although I do not have the original paperwork so am unsure of the exact date. The letter from Robinson Way states the following.

 

We want to work with you to agree an affordable arrangement based on your individual circumstances, so we ask that you complete the attached financial statement detailing your income and your expenditure and your proposed payment to us.

 

Alternatively we may be able to agree a reduction in the balance you owe and we may allow you to pay this reduced balance over three months. Please note that where this account is recorded on your credit file, once any agreed reduced amount has been paid then this will be updated as partially settled with zero balance outstanding and not as settled or satisfied.

[citizenB]

Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

[citizenB]

Was it Welcome that repossessed the property ?

[dx100uk]

ignore them.

 

tough luck if welcome didn't get their secured loan paid off.

 

if robbersway have it

you know it bogus

 

all they've seen is £17k

and the computer has srouted out threat-o-grams.

 

unless/until they issue a claimform ignore.

 

don't forget

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

dx

[renegadeimp]

You owe them NOTHING. Theyve got greedy after seeing the possible amount they can get.

[kimkitch]

Was it Welcome that repossessed the property ?

 

No it was GE Money who we had the mortgage with.

[kimkitch]

Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

 

Not sure what the first sentence means.

Unfortunately I spoke to them on the phone once but have not taken any other calls from them. They have sent me about 6 letters regarding this so far.

[Bazooka Boo]

You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

[kimkitch]

You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

 

Many thanks I will keep a diary and log any other letters that they send me.

[Bazooka Boo]

[Peterbard]

Can you tell us when the loan was taken out and how much the credit was, ie was it under 25k was it before or after 2008. Did you ever have an agreement ?

 

Have you ever asked to see one ?

 

I take it there was insufficient equity on the property when GE money foreclosed ?

[Bazooka Boo]

It was about 5 or 6 years ago DB.