Hoist Finance contacting after 9 years of completion.

TheDev

sourcrates said:

Well, I said it above, the debt was wiped out by your IVA, so no further action can be taken against you here, it won`t hurt to chat to them on live chat, explain what has happened, your debt solution, your address change etc etc, you will have to do this if you want it resolved.

Alternatively put it all in writing with a copy of your completion certificate, and send it that way, or you can just hope they get tired and move on to someone else, up to you.

You were right. I didn't realise I could get past the chatbot and actually talk to a human. They were chasing me for this reason...

"I can see we hold your HFUKH2L (Ex CAPITAL ONE) G/AWAYS account, outstanding balance £146.26. You were paying this through payplan in 2019 and then the payments stopped. We were previously known as Robinson Way."

So they now have everything they need and my completion certificate from 2014 and are updating their system to reflect this. Let's hope it does pan out!