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mollywobbles

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  1. Preparing letters today. I note the helpful form fields PDF on the linked thread, and that a part about the CPUTR has been added. For my own info / understanding, can I ask what this is? Also just to check: I am sending CCA to Hoist Finance UK Holdings 3 Limited, whose address in Salford I have found via Companies House, and returning the reply form downloaded from this site and completed as per linked instructions to Howard Cohen. All correct?
  2. Letter dated 27th Sep, arrived today. Reading around, it seems if they start a claim before the end of the limitation period (January), the debt will not become statute barred at any point. I don't know when in January and not sure how to find out. Is there any mileage in checking the box that says I need time for advice first? The document 'PRE-ACTION PROTOCOL FOR DEBT CLAIMS Redraft spring 2015' from the thread linked above seems to suggest this is a good idea. Appreciate this is not what's advised on the thread but wondering if it might help my timelines.
  3. Thank you for merging the threads. I just looked back at my posts and found this thread... had entirely forgotten that we did anything about the 2019 letter of claim. Nothing was ever heard back in response. Two questions - what should I put for the reason why I dispute the debt? And is it better to respond to the promptly or drag out my 30 days? If we get to January without them getting anywhere, can I still claim statute barred status or does their having started this process change things in that respect?
  4. This is regarding an old debt with Lloyds for a credit card (£1547) which has been passed from pillar to post over recent years. I first posted about this on this forum in 2016 - followed the advice received, and since then nothing significant has happened. At that time, on the advice of Stepchange, my partner was making token payments to it. These stopped in January 2017. The default is no longer showing on the credit report - but my understanding is that if the last token payment was made in January 2017, the debt will not become statute barred until January 2023. Is this correct? Today I have received a 'Letter of Claim' from the above solicitors. It states it is being sent in accordance with the Pre-Action Protocol for Debt Claims and contains a reply form and financial statement. Looking back through our file of paperwork, it appears we received the exact letter from the same people in 2019 which led to nothing. Based on my memory of the excellent advice I received here last time a debt collector came calling (we ended up in court and the judge dismissed their claim), my reaction was to file this letter away and wait to see if they actually issue proceedings. But it has been so long that I wanted to check that this is the correct course of action. Grateful, as ever, for any help received.
  5. Looking for Hoist's address on the FCA register as advised... I can only find one (in Salford, for Hoist Finance UK limited). It's not the exact name that is on the letter (Hoist Finance UK holdings 3 limited). Companies House website is showing the latter at the same address as the former so I'm hoping that's ok... I'm mostly posting here for a record of when the responses were sent. Will be tomorrow, 29th July.
  6. sometime 2016 I believe. Definitely within the 6 years.
  7. I hope I'm posting in the right place. Following a legal success earlier this year with respect to a similar debt, here I am again. Letter of claim received today from Howard Cohen, acting on behalf of Hoist Finance UK Holdings 3 limited. I'm not familiar with either company. The original debt was with Lloyds, it was actually my partner not me, originally taken out in 2012. He later got into financial difficulties, step change got involved and then things got confusing from there. He was not made aware that by making minimal payments with stepchange, the account would end up in default, but obviously it did. We sent a CCA to Lloyds at that time (2016) - never received a response. The account was later sold on to Robinson Way. I suppose they must have sold it on again to this Hoist Finance. According to today's letter it was legally assigned to them in November last year. What are my first steps? If it's a CCA, who should I send it to? And I seem to remember that we must reply to the form enclosed with the letter of claim - can anyone confirm?
  8. Have done so today. Our most sincere thanks once again. WRT the costs the judge awarded... I don't suppose it will be so easy as to just await a cheque in the post?
  9. Hi Andy... Do you know if it's possible to do a regular donation without paypal? A link to where I can do this would be great, as it seems to be prompting me to use paypal (which I hate... but I can do. Just need to remember / reset my password).
  10. Well, it's over. And we won! Claim dismissed!!! I sadly could not be there myself but my partner reports that the judge was highly unimpressed that they sent a different solicitor to the one who prepared the ws. He said the ws was full of errors and he was unable to question him properly as he hadn't prepared the ws himself. He was similarly unimpressed about the dates discrepancy, lack of proper default notice and the absence of the deed of assignment. He awarded my partner £80 costs for the day. Thank you so much Andy and Dx and everyone else who's helped and advised. Your patience and willingness to share your knowledge is astounding. I will be setting up a small regular donation - just need to get my paypal account sorted.
  11. Well the court hearing is tomorrow. I think we're all ready. We've got all the documents in order. Any last words of wisdom? Whatever the outcome, I am grateful for the help and advice received here and I'll certainly update afterwards.
  12. Sorry to keep asking... today is my last opportunity to post something for arrival 3 days in advance so would really appreciate some guidance on the above if anyone can help.
  13. Hello and Happy New Year! So the new trial date is next wednesday, 23rd. As things were left, I had sent the skeleton argument to the court, but not to Lowell. AFTER I sent it, Dx pointed out the discrepancy in dates on the various documents described in the post above, so this is NOT highlighted in the skeleton argument. What is best to do? 1) send the SA as is to Lowell and be prepared to point out to the judge on the day the discrepancy in dates 2) update the SA and send new copies to both court & Lowell with discrepancy pointed out. I am leaning towards 1) as 2) surely gives them the chance to claim admin error and produce 'the correct' document? Or is the another option that I'm missing? Thanks in advance to all.
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