Idem/Hoist now Lowells - old hbos Card debt - errors/incompetence

[Martin L]

Hi everyone first post here so please forgive me for any mistakes .

I have a 7k Bank of Scotland debt from 10 years ago and for the last 6 years i have been paying £50 a month  to IDEM who bought the debt .

Last week i got a letter from Hoist finance who claim they have now bought the debt and were demanding a payment to be made TWO days before the date on the letter head !!

They also referred to the debt in the original creditor name as Lloyds bank  !!

My first thought was to send them a CCA request which i done  they confirmed my account will remain on hold whilst they request the required documents , if they bought the debt why dont they have the documents ?

How long is reasonable time for them to produce the documents and any advice on what my next steps should be .

 

Cheers

Martin

[Martin L]

 

Well it was a Bank of Scotland credit card which I 100% owe so defaulted back than and been paying payments ever since , with the debt now being sold on .

 

The default has long dropped off my credit report and  for what its worth my expiran score is now 949.

With the cost of living biting I am struggling to pay this now .

 

Edited August 2, 2022 by dx100uk
unnecessary previous post quote removed

[Martin L]

10 days have now passed since they acknowledged my CCA request .....how long do they have ?

 

Edited August 2, 2022 by dx100uk
unnecessary previous post quote removed

[Martin L]

So 30 days have now passed since Hoist acknowledged my CCA request with them stating my account is on hold and i have NOT heard anything since then ...

 

I know they cannot mess with my credit file but could they commence legal action or is that unrealistic from a cost point of view considering they must of bought my debt for pennies .

 

I am an impatient individual and am wondering what my next step is .

 

[Martin L]

Yes i have not paid Hoist a penny .

 

Knowing my luck they will produce documents on my CCA request even though the debt originates from a credit card opened in 1999

[Martin L]

So had a lovely letter from Hoist today enclosing a copy of the current terms and conditions provided by Lloyds  and also stating they CANNOT provide an historic copy .

 

It also says that my query remains open until they receive a response from the original creditor who they keep referring to as Lloyds bank when it actually  Bank of Scotland !

 

It then says a payment arrangement is in place and my next payment is due by sep 18 which is nonsense as no payment plan has been discussed with Hoist .

[Martin L]

Well if they have been asking Lloyds for the CCA documents no wonder they cant provide them as the debt comes from a BOS credit card ....

 

hope they dont read this forum

[Martin L]

Hoist just love trying it on as another lovely letter asking if  my payment plan is ok when i have never made one with them  !

 

So many small inaccuracies as the letter was sent to a variation of my address along with a payment plan amount that is different to the previous letter  stated amount lol .

 

Almost feel that they make it up as they go along ?

[Martin L]

Have received a letter today from Hoist saying they have enclosed a copy of the agreement and statements from my CCA request and requesting me to enter into a payment plan.

 

There is a readable copy of my 24 year old application form and a 10 page credit card agreement with my name at the top plus print outs of the monthly credit card statements .

 

What i noticed missing was a copy of the default notice ( i still have the original one issued 10 years ago)

 

Next move ?

[Martin L]

Hopefully this has worked ok ....

 

Is it an issue they have NOT supplied a copy of the default notice ?

BOS PDF compressed.pdf

[Martin L]

Here goes fingers crossed although there is " no sig page " on that agreement

 

Thanks again for your help Dx

 

Thats everything they sent ....

mergred cca.compressed.pdf

[Martin L]

So just to clarify  because those CCA documents have no dates and no signature boxes its not enforceable ?

 

Have to admit they could of just typed my name on the top of any relevant document and claimed its vaild !

 

That application form is so old its worthless ?

 

As always DX you are a very helpful individual.

 

[Martin L]

Yes just been doing that and uploads all seems to have the same generic cca terms with peoples name and address copy n faked  at the top bit of a scam really .

 

i will go radio silent and see if i get a letter of any pending court action etc

[Martin L]

Just thought i would like to keep this updated with current goings on .....

Debt has now been sold onto Lowells and regular letters have been received inviting me to dicuss repayment which i have ALL ignored as all that was provided on my CCA request was the original 24 year old application form .

Lets see if they issue a claim on this debt knowing the credit card was opened in 1999 !

[Martin L]

and yet another lovely letter today saying they are considering  passing my account to a third part debt collection company as i have not contacted them to discuss payment ....

 

and they still continue to send these  letters to a variation of my address not the address on my 24 year old application form

 

Edited July 21, 2023 by Martin L
additiona info