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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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HPH2/cohen Claim form - Lloyds TSB overdraft***Claim Discontinued***


UKDomains
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Andy: Should is the operative word. They haven't even responded to my CPR request they received 19th September. Nothing, not even an acknowledgement.

 

Well they dont have to...disclosure comes after allocation (the stage you are at now),,,but they should serve a copy of their DQ on you.

 

Andy

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  • 4 weeks later...

Hi all.

 

So I'd filed DQ with courts, sent copy through to Howard Cohen.

 

Received email from courts now offering mediation offering me a date. Also, ask me three questions, one of which is:

 

"I can confirm that I have enough information about the claim to allow me to enter into negotiations and that I do not require any further evidence from the other party before the appointment"

 

Unfortunately I have to answer no to this:

 

Howard Cohen have not even acknowledged my CPR request, neither sent me the requested info, and have not even bothered to send me a copy of their DQ. NO communication from them at all since this started.

 

I'm guessing when I answer NO, mediation will not go ahead?

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No mean unsuitable for Mediation and then it gets referred back to court

 

suppose that's the route I'll have to go then.

It's all academic anyway, they've assigned me a date that I completed on the form that I am NOT available anyway. I'm not in the country that day.

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  • 4 weeks later...

So received some good news.

 

Howard Cohen sent through a Notice of discontinuation on Christmas Eve!

 

In it it is mentioned their client reserves the right to reapply for CCJ in the future.

 

Now my question is: How much of my defence could be used to reset the SB clock? It was due to expire in May this year

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Well done UK...thread title amended to reflect the outcome.

 

With regards to the status .....the claim is now irrelevant and it proceeds to limitations as was.

 

Regards

 

andy

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  • 5 weeks later...

yesterday I received notice of allocation to small claims from my local county court.

 

 

Emailed the courts sending copy of scanned notice of discontinuance from Howard Cohen.

 

 

Receive an email now from county court stating Howard Cohen have never sent the notice of discontinuance to them, and they will be contacting Howard Cohen to find out why

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Yes I see you have copied it to Northampton.

 

What are the directions on the Notice of Allocation ?

We could do with some help from you.

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Was just about to update this when I received an email from local County Court.

 

 

Howard Cohen never bothered to inform the court they had discontinued the claim.

 

 

Court requested they send immediately the form through,

which they did via email,

and the case in now officially closed :)

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  • 4 months later...

A quick query about this.

 

As Lloyds originally entered a default nearly 11 months after account went dormant, and Hoist have discontinued, can I demand Hoist remove the default from my credit report?

As it has been discontinued, any chance they could restart it?

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we have had good success in getting fees back from Lloyds

what date is the default?

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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