Hoist Portfolio - no idea what the debt is

cbluew

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.

[Deleted User]

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 reply

cbluew

Thanks so much. I also queried it with Experian and it has now been removed. Result!