Re: Hoist Portfolio Holding Limited

by Indebttoo Thu May 12, 2022 10:15 am

Thank you daveiron.

by **assassin** Mon May 16, 2022 3:48 am

Indebttoo wrote:Where can I find "Lawful Notice to the company, staff, contractors, and subcontractors to cease and desist"?

You create your own and as long as it applies to the basic protocols its a Lawful Notice.

by Indebttoo Sun May 29, 2022 11:46 am

Hi,

I've received their letter to my subject data access request, which I did not request.
I am about to send the 4th notice. Should I additionally respond somehow to their letter?

Hoist Portfolio Holding Limited - Page 4 Page110

Hoist Portfolio Holding Limited - Page 4 Page210

by **daveiron** Sun May 29, 2022 12:48 pm

Yes send the 4th and final notice.This is just distraction tactics .

The 4th notice goes to the CEO personally as did the previous 3.

Note this comes from the dispute manager, you have not created a dispute
write back to him and tell him so. and to cease and desist from intermeddelng
in matters private and confidential between you and the CEO.

by **daveiron** Sun May 29, 2022 1:12 pm

Just reread you previous posts ,did you ever send the cease and desist
notice?

by Indebttoo Sun May 29, 2022 1:30 pm

Yes, I did. Thanks daveiron.

by Indebttoo Mon Jul 17, 2023 6:43 pm

Hello,
It's been a while...
I received some letters from Lowell Group, which bought the Hoist Finance UK Group in October 2022, regarding the alleged debt. I followed 3 letter process and got a response from them (screenshots) but continued with the process...

Hoist Portfolio Holding Limited - Page 4 Img_2514

Hoist Portfolio Holding Limited - Page 4 Img_2513

After the 4th notice, I received a letter from them asking me to agree to pay

Hoist Portfolio Holding Limited - Page 4 Img_2515

I am not sure how to continue, should I repeat 3 letter process?

by **daveiron** Mon Jul 17, 2023 7:15 pm

What letters did you send ?

by Indebttoo Mon Jul 17, 2023 7:22 pm

I've sent them notice of conditional acceptance, these: https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

by **daveiron** Mon Jul 17, 2023 7:43 pm

They have not addressed your notice,suggest sending a copy of the 4th
notice you sent to hoist, Also try listing some of the cases from this;

https://sites.google.com/view/deed-of-assignment-access/home

by waylander62 Mon Jul 17, 2023 7:49 pm

read and understand what they are saying here !!

piece by piece and ask questions accordingly, break it down bit by bit and understand the utter bullshit that is contained within this response.

by Indebttoo Mon Jul 17, 2023 8:10 pm

Thanks for suggestions. A bit scared to say something wrong in my response to them…
Will post an update here, when I have one.

by Indebttoo Mon Jul 17, 2023 9:56 pm

Would it be correct to send them again NOTICE-OF-NON-RESPONSE-AND-NOTICE-OF-COMMERCIAL-DEFAULT?

by waylander62 Mon Jul 17, 2023 11:01 pm

my personal thoughts on this are that i wouldn't

as i said break down their letter, starting with checking who they are alleging 'owns' the account, and who is actually corresponding with you.

i will bet they are NOT the same company, LP1 are the only company that are mentioned as far as i can see but i will bet it is not they who are corresponding with you.

this is my starting point.

by waylander62 Mon Jul 17, 2023 11:17 pm

had a quick look at this to refresh

going back to the beginning, who initially purchased this account ? it looks like hoist did back in 2017 ??

it would be great if you had the original notice of assignment from hoist ?

by Indebttoo Mon Jul 17, 2023 11:46 pm

That’s correct

Hoist Portfolio Holding Limited - Page 4 Img_2516

by waylander62 Tue Jul 18, 2023 12:10 am

great thanks, is the blacked out seller the original creditor ? or another debt buyer ?

and also importantly the sum owing on this letter is it exactly the same as lowell are claiming is outstanding today ?

by Indebttoo Tue Jul 18, 2023 7:47 am

That’s the original creditor and the sum the Lowell is claiming is couple hundred £ less.

by waylander62 Tue Jul 18, 2023 11:11 am

Indebttoo wrote:That’s the original creditor and the sum the Lowell is claiming is couple hundred £ less.

ok, that changes my initial thought pattern on this so....

since the original creditor sold this account in the first instance to hoist you have actually paid £200 off the 'debt' at some point ? i am assuming to the debt buyer or one of their agents ?

by Indebttoo Tue Jul 18, 2023 1:40 pm

I haven’t paid a single penny to them for the alleged debt.
When I look through the letters, the amount difference shows up when, at some point, hoist assigned Blake Morgan to act on their behalf.

by waylander62 Tue Jul 18, 2023 5:00 pm

well this is interesting and herein lies your point of attack with regard to letters you need to send

IF you have never paid a debt buyer since the sale of the debt in 2017 this is 100% statute barred, however it appears to be showing that you made payments to the value of £200 somewhere along the way, a tactic that i have seen used before which makes it 'appear' that this is not statute barred.

So... my next letter would be a very simple one to Lowell,

please provide the following information so that i may ascertain my standing in this matter in respect of the alleged sums owing on this account:

a) State how the said sum has been calculated
b) Please state the date of the last payment
c) Please state to whom this last payment was made
d) Please state by what method this payment was made.

by Indebttoo Tue Jul 18, 2023 5:41 pm

That is very interesting indeed... Thanks, Waylander62 for the suggestion.

by waylander62 Tue Jul 18, 2023 6:16 pm

Indebttoo wrote:That is very interesting indeed... Thanks, Waylander62 for the suggestion.

can you try and find the paperwork you have for around that period ? where you say it changed by £200 if you can piece together what might have happened it could be helpful to you.

a debt is seldom sold by an OC straight after a default notice and termination of the account , it is usually at the very least 6 months from termination so whatever the date of the first assignment you can go back at least 6 months

so if no payments have been made against this account since they defaulted you it is 100% statute barred, yet somewhere they have reduced it by £200 !? how and why is where you need to be looking.

by Indebttoo Tue Jul 18, 2023 6:35 pm

I received two letters (looked like ads) three months apart from Hoist back in 2021/2022 that's the time when the sum changed but I've no idea why.

Letter 1:

Hoist Portfolio Holding Limited - Page 4 Screen15

Letter 2:

Hoist Portfolio Holding Limited - Page 4 Screen16

I'll shoot your suggested letter to them.

by Indebttoo Mon Aug 07, 2023 7:53 pm

Hello,
I've received a response to some of the above questions. The difference between the total amount of alleged debt stated in the letter and the balance is over £200. I've no idea why. They said the last payment was made in the spring of 2017, and in autumn, the default was registered. They also said because of the nature of this account, they were unable to request copies of documents or additional information, they added that this could have been done while the account was with Hoist. They have put this account on hold for 30 days to allow some time to get back to them.

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