GDPR (UK) & Hoist

by BorussiaBoscombe Tue Mar 16, 2021 8:31 pm

Hi All,

I have a very interesting circumstance that I'm sure the community would be interested to know and investigate. I have previously received a letter of claim from Howard Cohen and disputed that, then received a letter from HOIST. I have sent them the 3 letters without response....until today when I received an email!!!! very interesting as they have previously never emailed me and my email address is not my name. They have somehow obtained my email address without any consent ((and I can say definitively since I began the 3 letter process,)and no the email address was in no way in the letters.) I have been looking at GDPR websites to find some guidance on how to proceed but so far haven't found anything definitive.... any thoughts anybody?

regards

by **Mrblue2015** Tue Mar 16, 2021 9:06 pm

They may have obtained it from the Original Creditor?

Regardless, block the emails / don’t reply.

Stick to handling the matter in writing only.

by waylander62 Tue Mar 16, 2021 9:40 pm

agree with Mr Blue, likely they obtained it from the OC when they purchased the debt and became the Data controller of your account.

by **assassin** Wed Mar 17, 2021 2:43 am

They buy a debt and the OC passes your details over, this is one reason why I never fill these forms in with my personal information such as E-mail address, mobile number, home telephone etc.
They try the usual rhetoric of we need this information, no they dont as this is your intellectual property and you choose who you give it to, this is one reason people buy out companies, many people never realise this data is valuable and companies are bought if they hold lots of personal data as the data has an asset value and become data controller.

Change your E-mail address so they cant contact you or block them.

by BorussiaBoscombe Wed Mar 17, 2021 10:12 pm

Thats the interesting thing. I never give my email address to them either. I also was considering how letter 1 states I don't give permission to contact other than by Royal Mail.
Fear not I have no intention of replying. I have sent all 3 letters with n response so far.

by **Mrblue2015** Thu Mar 18, 2021 8:04 am

Good, keep calm (with the GOODF process) and carry on (and ignore the rubbish they come back with) Wink

by BorussiaBoscombe Mon Mar 29, 2021 8:26 pm

by BorussiaBoscombe Mon Mar 29, 2021 8:28 pm

Hi,
Just to let you know I came home to this letter today in response to letter 3! letter 3 was dated 12th march. Whilst they have acknowledged receipt they have not responded within the time limits. what do you suggest is my next course of action.

(apologies for poor quality image)

by **daveiron** Mon Mar 29, 2021 8:43 pm

It just shows all they have bought a list of alleged defaulted accounts.
They dont even have docs to validate the claim. Personally i would just
wait and see what they come up with.
In the meantime read and research what is contained in this link.

https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

by BorussiaBoscombe Mon Mar 29, 2021 8:47 pm

Thats great, I will wait to see what they may come back with but like the sound of that letter. the only thing is it was a credit card rather than a bank. does this make any difference?

many thanks

by **daveiron** Mon Mar 29, 2021 9:07 pm

No difference

by BorussiaBoscombe Mon Mar 29, 2021 9:13 pm

ok thanks

by **assassin** Tue Mar 30, 2021 2:09 am

I would also ask who is accepting liability for this claim as it is unsigned.

Companies are dead entities or corpses and a dead entity cannot make a claim or be liable as only a human being can, so which human being is accepting liability.

by **Mrblue2015** Tue Mar 30, 2021 8:08 am

daveiron wrote:It just shows all they have bought a list of alleged defaulted accounts.
They dont even have docs to validate the claim. Personally i would just
wait and see what they come up with.
In the meantime read and research what is contained in this link.

https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

BorussiaBoscombe: Follow what DaveIron has said (above quote). No need to upload their replies. The GOODF process / principle etc does not care what they say because they will NEVER provide you with those documents you are entitled to see. So just crack on with the process and it will work but you MUST follow the process to the letter (no pun intended) Wink

GOODF Process clearly says:
"Ignore whatever they come back with as they will never have all of the financial instruments we demand"

IF "legal action" or "litigation" is ever mentioned (well, they'll normally say "may" but if I had a pound every time they said that haha) then let us know. Apart from that, the rest off the stuff they'll send you is the usual pointless waffle.

Also get a Subject Access Request (SAR) over to the credit card provider (NOT to Hoist) ASAP... This will come in handy later but we'll explain why as and when you receive the results of your SAR

by **Mrblue2015** Tue Mar 30, 2021 8:16 am

BorussiaBoscombe wrote:Thats great, I will wait to see what they may come back with but like the sound of that letter. the only thing is it was a credit card rather than a bank. does this make any difference?

Again, have you read the GOODF Process? Your comment says you haven't Wink

GOODF Process:

"New Alternative Letters for Original Creditors (i.e. banks and credit card providers)"

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