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Hoist/? Claimform 2008 abbey credit card 'debt'


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What dates are you using for your calculations?

 

Sorry but I don't have the paperwork to hand, but it is written down in the thread :-) Why do you ask?

 

will waving ignore them

 

unless/until they pay to ustay the claim

and the COURT write with a date

 

you ignore them.

 

the SB clock stalled the day they issued the claimform

 

it does not resume ticking until/unless

the claim is struckout or discontinued.

 

dx

 

I think from memory this was SB at the time of the claim form being issued?

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Sorry but I don't have the paperwork to hand, but it is written down in the thread :-) Why do you ask?

 

Because you said you were 'pretty sure' and I don't have possession of any information that confirms this one way or the other. It's the sort of thing you need to be 'really sure' on if you're to contend this position.

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Because you said you were 'pretty sure' and I don't have possession of any information that confirms this one way or the other. It's the sort of thing you need to be 'really sure' on if you're to contend this position.

 

I believe from the advice given here that this is SB.

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The default date is whenever the creditor put the account into 'default' - not necessarily on the date of the last transaction. Does anything show on the credit file?

 

You mention £100 above - is that what you believe was the earlier £10 they applied after you SAR'ed them?

 

Sorry for all the questions - I'm just trying to get a good picture of the situation....and in so doing help you to get a full understanding of it as well.

 

P.S. Have you had a default notice? Sorry if you've mentioned it and I've missed it!

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yes I believe that the additional £10 was the SAR which they have applied to the account.

 

 

I recall a sate of Oct 2009 for the DD, but not at home so not 100% certain.

 

 

I just recall being irked at the fact that the Claim form came through so close to the DD.

 

 

I have heard nothing from anyone until now.

 

 

id need to log into experian to see his credit file.

 

just want it out of the way now TBH - its getting me down

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just want it out of the way now TBH - its getting me down

 

And that's exactly what they want.

 

It doesn't sound like the claim is going anywhere at the moment so I would just relax, but it would be worth confirming some more details around your case in the meantime. It's better not to hang everything on a rather sketchy SB position. If the date between default and issuing the claim was six years or more then it puts you in a very strong position.

 

Sham

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That being the case, it makes things a bit trickier with the six year time period being quite tight. In the SAR, did you receive any correspondence once those first few payments were missed? e.g. You have missed a payment - please pay or else we will...etc.

 

Do some research on 'cause of action' with regards to statute barred debt.

 

Sham

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I have no doubt if they were satisfied that the SB defence didn't apply, they would have pushed on by now.

 

Nevertheless, without more concrete information,

I have my own reservations based on certain other cases where judge lottery is involved.

 

It won't serve any purpose for us to dissect things any further at the moment, so just chill for now and do what DX advised earlier

- ignore everything from them and just pop on here with news of any developments.

 

Sham

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  • 2 months later...

UPDATE

Have received a 'Notice to Transfer Proceedings' to the BHM CC.

 

On another note, my husband and I are not together and he lives elsewhere.

 

The situation between us is fraught at best.

 

I am extremely concerned about how to proceed with this,

 

for clarity this debt is NOT in my name,

 

but in my ex-partners name.

 

Divorce proceedings are due to commence shortly

 

Any advice on the debt would be welcomed at this stage

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You do not need to do anything.

 

Wait for your notice of allocation.

 

The notice of allocation will give you more information on the case including the track allocated

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Is your name on the claim form?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Then its your exes problem...not yours..pass all the paperwork to them.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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is it too late for him to be able to contact Hoist and set up a repayment plan?

 

I am worried that this will blow up in my face etc...

 

No.....contact the Solicitor handling the claim

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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