old HFC Card debt - moorgate/idem/hoist now lowells - CCA sent .

[blagmania]

On the 6th of april 2023,  i had sent a CCA request to hoist finance,
i had a reply acknowledging my request dated 12th of april 2023,
this morning i had received a letter, dated 16/05/2023,  saying this debt has now been sold on to lowell
my question is this do i need to send a new CCA request, to lowell
or is it too early to dispute the debt
thank you in advance

 

[dx100uk]

whats the card and the original creditor 

 

and when did you take it out

last payment

last use.

 

lowells have bought out Hoist UK, thats all.

 

why did you send a CCA?

 

dx

 

[Andyorch]

One and the same company so your request is still valid without further request.

 

Andy

[blagmania]

thank you,  

 

the debt has changed hands a few times, so its going to be unenforceable, 

[dx100uk]

bet its not changed hands a few times at all.

the only time it does is if you received a notice of assignment.

 

please answer my questions above

 

dx

 

[blagmania]

hfc
its nearly 10 years ago
i had about 6 different debts at the time
which im finally sorting out
i should have sorted it out at the time i know,
however  on this debt  i defaulted and debt was taken  over by moorgate in 2014
then sold onto idem servicing in 2017
then sold on to hoist in 2022
now lowell

Edited May 19, 2023 by blagmania
found the original company i had the debt with

[dx100uk]

when was the last time you used the card or paid it?

have you moved since getting it and never advised hoist now lowells in writing of your new address till sending the cca request?

 

 

[blagmania]

i never used the card as it was one of those 0 balance transfer offers
which the other debts were as well
i haven't moved, also all the debts are no longer on my credit report
and haven't been for at least 3 years

[dx100uk]

ok try again.

when was your last transaction? in/out

there must be a debt else someone would not be chasing you...

 

why did you send the cca request?

 

dx

 

[blagmania]

my last payment was this month, as im waiting for a copy of the original
CCA, 

[dx100uk]

ok getting there.

why did you send the CCA request, checking they have enforceable agreement?

and when did you take this card out (got it)?

 

has there ever been a period of 6yrs whereby you paid no-one anything nor transferred in/out of it?

 

[blagmania]

yes checking they have enforceable agreement 
which i dont believe they have now
2011  i got the card
being a mug i have always made small payments
 

[dx100uk]

and running the SB date to infinity......we call it being a DCA cash cow.

 

the cca return will be interesting .......

 

was this an online sign up do you remember?

 

dx

 

 

[blagmania]

yes it was online, 

[London1971]

No point in losing any sleep over this one

 

A. It's not enforceable right now, stop paying!

B. It's not affecting any potential lender decisions , as it's off your credit file.

C. The chances of Lowell coming up what you are asking for is low, after 10 years

 

It's not even time to worry, if (it's a big if) they come up with the goods, most of the time the experts on here rip it to shreds. Even if the agreement is legit, that doesn't mean it will go any further.

 

There are so many things that need to happen right now for anything more to happen, it should be filed away for future reference. Just keep an eye on your mail, and for goodness sake, stop paying.