We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Hoist Portfolio - no idea what the debt is
cbluew
Posts: 2 Newbie
Hi there
Like many, I am a long term lurker and huge fan of MSE Forums. Short backstory: as a student I got myself into some pretty sizeable debt and relied on payday loans for a period. Eight years on, I am so very close to clearing the final amounts of money owed.
I've just checked my Experian credit report and can see an account has been added to the 'default' section for £1800. The company is HOIST PORTFOLIO HOLDING 2 LIMITED who I have never heard of before - although research tells me they are a collection agency who have likely bought an old debt.
The account in question was apparently started in 20/12/2000 [when I would have been 11 years old...] and was settled 04/11/2011. I have NO IDEA what this account is.
My current address is listed correctly, but it also says I have 'Gone Away' and that the lender has reported that I no longer live at the address I gave and have not given them a new address.
It then says the account was last updated in 2016, when it was marked as 'account is 'default' - credit agreement has ended'.
I'm really concerned / confused. As I said, I have struggled with debt in the past, which I am almost completely free of. I have Googled this company and can see they issue CCJs. But I have no idea what or who they are!
Any advise on how best to approach this? No letters to my current address, so the only info I have is the one on my file.
Many thanks.
Like many, I am a long term lurker and huge fan of MSE Forums. Short backstory: as a student I got myself into some pretty sizeable debt and relied on payday loans for a period. Eight years on, I am so very close to clearing the final amounts of money owed.
I've just checked my Experian credit report and can see an account has been added to the 'default' section for £1800. The company is HOIST PORTFOLIO HOLDING 2 LIMITED who I have never heard of before - although research tells me they are a collection agency who have likely bought an old debt.
The account in question was apparently started in 20/12/2000 [when I would have been 11 years old...] and was settled 04/11/2011. I have NO IDEA what this account is.
My current address is listed correctly, but it also says I have 'Gone Away' and that the lender has reported that I no longer live at the address I gave and have not given them a new address.
It then says the account was last updated in 2016, when it was marked as 'account is 'default' - credit agreement has ended'.
I'm really concerned / confused. As I said, I have struggled with debt in the past, which I am almost completely free of. I have Googled this company and can see they issue CCJs. But I have no idea what or who they are!
Any advise on how best to approach this? No letters to my current address, so the only info I have is the one on my file.
Many thanks.
0
Comments
-
Send them a prove-it letter to enquire about the debt.
If you don't want to reveal your address you can email them, but they may not reply0 -
Thanks so much. I also queried it with Experian and it has now been removed. Result!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards