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  • FIRST POST
    • cbluew
    • By cbluew 11th Sep 18, 3:15 PM
    • 2Posts
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    cbluew
    Hoist Portfolio - no idea what the debt is
    • #1
    • 11th Sep 18, 3:15 PM
    Hoist Portfolio - no idea what the debt is 11th Sep 18 at 3:15 PM
    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.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 11th Sep 18, 3:25 PM
    • 2,552 Posts
    • 1,435 Thanks
    Gary_Dexter
    • #2
    • 11th Sep 18, 3:25 PM
    • #2
    • 11th Sep 18, 3:25 PM
    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
    • By cbluew 14th Sep 18, 3:35 PM
    • 2 Posts
    • 0 Thanks
    cbluew
    • #3
    • 14th Sep 18, 3:35 PM
    • #3
    • 14th Sep 18, 3:35 PM
    Thanks so much. I also queried it with Experian and it has now been removed. Result!
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