Good afternoon,

Any help would really be appreciated.

This relates to a loan that was taken out years ago and prior to 2009.

I cannot be more precise at this moment.

I got into financial difficulty and defaulted on the payments.

This has been in the hands of a number of companies.

I do not recall getting regular correspondence and I believe the last payment ever made was 2014.

This has dropped off my credit file.

I did receive a letter I August 2015 to say that I was entitled to redress on my loan as the discovered following changes of CCA (1/8/08) that they sent customers incorrect information about their loan and in some cases did not send information they should have done and as such were not entitled to charge interest and default fees from the initial error of 31/1/2009 until today.

I then received a letter March 2017 advising that they did not send some documents that they were required to do and sent notice of sums of arrears we should have sent me. The arrears notice is again dated March 2017 and dates back to November 2014.

Well today I have received a Claim Form issued on the 9th Jan 2018 for the sum of £8076.85.

The particulars of claim state the debt was legally assigned by Barclays Bank Plc (Ex Barclays) to the claimant and notice was served.

The Defendant has failed to make contractual payments under the terms of the Agreement.

A default notice has been served upon the Defendant pursuant to s.87(1) CCA.

Now I believe that I will need to do the following:-

- Acknowledge Service advising I intend to dispute and ask for 28 days to file a defence

- Send a request to Howard Cohen & Co for CCA Request with a £1.00 cheque

I there anything else I should be doing at this stage?

Regards,

Colin

-

its the CCA to Hoist Portfolio with a blank £1 postal order

And a CPR 31.14 to Cohen

Neither of these are signed by you just printed name

Please read this link and post up the relevant details https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

Did you receive a Pre action Protocol letter?

I intend to dispute and ask for 28 days to file a defence

you done defend all

nothing more you need to do or send other than the CPR 31:14

Thank you for this.

I do not recall getting a Pre Action Protocol Letter.

ok its something to add to your defence when it comes to that time

Name of the Claimant ? Hoist Portfolio Holding Ltd

Date of issue – 09/01/2018

What is the claim for –

1.This claim is for the sum of £8078.95 in respect of monies owing under a Agreement with the account no......... pursuant to the consumer credit Act 1974 (CCA).

The debt was legally assigned by Barclays Bank Plc (Ex Barclays) to the Claimant and notice has been served.

2.The Defendant has failed to make contractual payments under the terms of the Agreement.

A Default notice has been served upon the Defendant pursuant to s.87(1) CCA.

3. The Claimant claims

1. The sum of £ 8076.95

2. Costs

What is the value of the claim? £8078.95

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loan.

When did you enter into the original agreement before or after 2007? Not sure would have been around this time

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. HPH2

Were you aware the account had been assigned – did you receive a Notice of Assignment? Do not recall

Did you receive a Default Notice from the original creditor? Cannot recall

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Do not think so

Why did you cease payments? Financial Problems

What was the date of your last payment? November 2014

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes

particulars of claim exactly as they are written on the claimform please

just minus account number

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

That makes your defence due by 4pm 9th Feb

Have a look through the forums and see what the process is and have a look at defences use the search bar

Make sure you get those letters off as soon as possible

Particulars of Claim are as follows:-

This claim is for the sum of £8078.95 in respect of monies owing under a Agreement with the account no......... pursuant to the Consumer Credit Act 1974 (CCA).

The debt was legally assigned by Barclays Bank Plc (Ex Barclays) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of the Agreement. A Default notice has been served upon the Defendant pursuant to s.87(1) CCA.

The Claimant claims

1. The sum of £ 8076.95

2. Costs

AOS - Defend all of Claim done 11/01/2018

CCA Request will be sent 12/01/2018 Recorded Delivery

CPR 31:14 will be sent 12/01/2018 Recorded Delivery

Evening,

So far not replies from CCA Request and also CPR 31:14 although early days.

I have started to think about Defence and done some research and come up with the following. Your thoughts would be appreciated.

1. The Defendant avers that the Claimants pleadings are an abuse of process. The Claimants pleadings are lacking in detail, there are no details as to what the debt relates excepting that the original debt is alleged to be owed to Barclays Partner Finance.

2. The Particulars of Claim do not specify the type of account or give any reference number to assist the Defendant identifying the account. The particulars of claim appear to only relate to a single contract between himself and Barclays Partner Finance.

The particulars of claim appear to relate to a single contract between himself and Barclays Partner Finance and the Defendant does not hold any records.

3. The Defendant believes the claim may relate to a Loan however is not aware of any remaining debt owed on the account.

4. Due to the confusion as to what the claim relates, the Defendant has requested further information from the Claimants.

The Defendant requested this information on the 12th January 2018 as under CPR 31:14 and requested a copy of the agreement/contract, default notice and notice of assignment.

The Claimant has not suppled any documentation to the Defendant.

5. The Defendant has also formally requested on the 15th January 2018 a copy of any consumer credit Agreement applicable to the claim under section 77-79 of the Consumer Credit Act 1974.

The Claimant has not supplied any documentation in response to the request.

6. Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation.

Therefore it is expected that the Claimant required to prove the allegation that the money is owed as claimed.

7. The Defendant would prefer to sort any outstanding debt out if any exits but feels unable to as the Claimants have not identified the account/s the Claim is based upon so is unable to plead effectively.

8. The Defendant denies the Claimant is entitled to the relief as claimed.

Accordingly, the Defendant avers that

9. The Claimant has failed to plead properly in this matter.

10. Therefore, the Claimant Claim should be dismissed.

11. In the alternative, should the Claimant evidence their claim properly the Defendant reserves the right to plead further and the Claimant bear the costs.

Statement of Truth

The Defendant believe that the facts stated in this Defence are true.

Signed

Dated

but the poc does give account number etc etc.

not sure where you've got that defence from but its not one of recent from here

Far too much information...respond to the particulars of claim only.

Andy

Time is approaching to file the defence. All I have heard is an acknowledgment to say that they are asking their client for the documents I have requested.

Defence

1 The Defendant contends that the particulars of claim are vague and generic in nature.

The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

2. Paragraph 1 is noted. I have in the past had an agreement with Barclays Finance but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request under the consumer credit Act 1974

3. Paragraph 2 is denied I have not been served with a Default Notice pursuant to the consumer credit Act 1974.

4. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)……….

Fine so far...now add the rest which puts thew claimant to strict proof if the claim progresses.......

5. On receipt of the claim form, I the Defendant sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement. To date, nothing has been received.

6. A further request was sent via CPR 31.14 to the claimants solicitor, requesting disclosure of documents on which the Claimant is basing their claim. To date nothing has been received.

7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

a) show how the Defendant has entered into an agreement and;

b) show how the Defendant has reached the amount claimed for and;

c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87 CCA1974

d) show how the Claimant has the legal right, either under statute or equity to issue a claim.

8. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed

9. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974

10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Thank you Andy,

Defence should read as follows?

Do I need Sign and date or just put Defence on line?

1 The Defendant contends that the particulars of claim are vague and generic in nature.

The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

2. Paragraph 1 is noted. I have in the past had an agreement with Barclays Finance but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request under the consumer credit Act 1974

3. Paragraph 2 is denied I have not been served with a Default Notice pursuant to the consumer credit Act 1974.

4. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)……….

5. On receipt of the claim form , I the Defendant sent a request by way of a section 78 pursuant to the consumer credit Act 1974, for a copy of the agreement. To date, nothing has been received.

6. A further request was sent via CPR 31.14 to the claimants solicitor, requesting disclosure of documents on which the Claimant is basing their claim. To date nothing has been received.

7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

a) show how the Defendant has entered into an agreement and;

b) show how the Defendant has reached the amount claimed for and;

c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87 CCA1974

d) show how the Claimant has the legal right, either under statute or equity to issue a claim.

8. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed

9. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974

10. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

You are filing via a website...MCOL

Defence now filed 06/02/2018 at 18:40

so they have 28 days to do something.

Nothing heard as yet, deadline I make it is 6th March. Do I need to do anything after this date?

nope

next move is theirs.

Thank you.

Nothing heard at all. Assume that Proceedings now stayed and would have to pay to resurrect?

Assume you cannot apply to try and bring this matter to a resolution?

yes

no

Just received this morning a notice from the Court, can you let me know what if anything I should be doing

"Notice of Proposed Allocation to the Small Claims Track" "Important Notice - If you do not comply with this notice the court will make such an order as appears to be appropriate. This could include striking out the claim or entering judgement."

Take Notice that:

1. This is now a defended claim.

The defendant has filed a defence

2. It appears that this case is suitable for allocation to the small claims track.

If you believe that this s not appropriate track for the claim, you must complete box C1 on the Small Claims Direction Questionnaire (Form N180) and explain why.

3. You must by 25th March 2018 complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office

the County Court Business Centre, 4th Floor St Katherine's House, 21-27 St Katherine's Street, Northampton, NN1 2LH

and serve copies on all other parties.