Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hoist/Cohen claimform - OHs Capital One card debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1864 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Fellas,

 

Can anyone give me a link to the "Get lost, prove it" letter? Had a letter threatening court action, and while I have seen the last few off once papers arrived, I thought it best to try and get ahead of this one for her.

 

Thanks

Link to post
Share on other sites

  • Replies 61
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

No you don't do that

Tell us about the debt please

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... 

Link to post
Share on other sites

Thread moved to Debt Collection Agencies Forum.

 

 

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

Link to post
Share on other sites

Old Capital One Credit card(She says it was about 2014).

 

About 1/3rd is pure charges.

 

They refused a payment plan or any help, kept sending nonsense replies which showed they had neither a clear grasp of English nor had read the messages sent via the help centre.

Link to post
Share on other sites

Have you sent them a CCA request John ?

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

Link to post
Share on other sites

No...CCA request to Hoist...that in a way is a prove it get lost device :-)

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

Link to post
Share on other sites

Moved to cap1 forum

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... 

Link to post
Share on other sites

Cca goes to the OWNER of the debt

If you read cohen letter carefully it says...our client..

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... 

Link to post
Share on other sites

  • 3 weeks later...

Name of the Claimant - Hoist Portfolio Holding LTD

 

Date of issue – 18/06/2018

 

Date to acknowledge - 06/07/2018

 

 

date to submit defence - 20/07/2018

 

Particulars of Claim -

 

1.This Claim is for the sum of £ 610 in respect of monies owing under an Agreement with the account no.******* pursuant to The Consumer Credit Act 1974 (CCA).

 

2.The debt was legally assigned by Capital One (Europe PLC) (EX CAPITAL ONE) to the Claimant and notice has been served.

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

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

5.The Claimant claims

1. The Sum of £ 610

2. Costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Probably

What is the total value of the claim? £738.86

 

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

 

When did you enter into the original agreement before or after April 2007? After

 

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. Debt Purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably

 

Did you receive a Default Notice from the original creditor? Probably

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Idea

 

Why did you cease payments? She was issued a credit card when neither she nor her boyfriend at the time were in employment.

She spent it, payment were too much.

She attempted to contact the company through their online portal, saying she couldn't afford to pay and offering lower amounts to clear the debts.

They kept coming back with nonsense that showed they had NOT read the correspondence.

Charges kept being added on and she told them to stuff it.

Over £200 of charges for non-payment etc have been added.

 

What was the date of your last payment? Somewhere in 2015.

 

Was there a dispute with the original creditor that remains unresolved? Yes.

 

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

 

---------------

 

So, this makes 4 this year now. I wonder why they are all issuing all of a sudden?

 

So, CCA to Hoist and CPR to Howard Cohen and then mark as defending?

Edited by dx100uk
dates formatting
Link to post
Share on other sites

note corrected filing dates.

 

 

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.

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... 

Link to post
Share on other sites

threads merged for history

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... 

Link to post
Share on other sites

  • 3 weeks later...

Letter from Howard Cohen acknowledging receipt of the CPR request and are "in the process of retrieving documents". They "will grant a further 14 days to respond to the claim form". Very generous of them as they have no say in the matter haha. Best start on that defence.

Link to post
Share on other sites

Well they do if both parties agree.....not that its any benefit to you.

 

Agreement extending the period for filing a defence

15.5

(1) The defendant and the claimant may agree that the period for filing a defence specified in rule 15.4 shall be extended by up to 28 days.

 

(2) Where the defendant and the claimant agree to extend the period for filing a defence, the defendant must notify the court in writing.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part15#15.5

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

Link to post
Share on other sites

you have done as post 13 yes?

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... 

Link to post
Share on other sites

Yes, post 13 advice followed.

 

Hows this for the defence -

 

Particulars of Claim - For reference only.

 

1.This Claim is for the sum of £ 610 in respect of monies owing under an Agreement with the account no.******* pursuant to The consumer credit Act 1974 (CCA).

 

2.The debt was legally assigned by Capital One (Europe PLC) (EX CAPITAL ONE) to the Claimant and notice has been served.

 

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

 

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

 

5.The Claimant claims

1. The Sum of £ 610

2. Costs

 

Defence

 

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.

 

1. The claimants case is denied. Whilst I have had dealing with Capital One in the past I cannot recall the specifics nor I am unaware of any legal assignment the

claimant refers to within its particulars and I have no knowledge

of who the claimant is nor have I been provided with any Notice of

Assignment pursuant to the Law of Property Act 1925.

 

2. It is denied that any amounts are due

under any agreement.

 

On receipt of this claim

 

I requested information pertaining to this claim from the

Claimants Solicitors by way of a CPR 31:14 request sent via 1st

class recorded post on 25/06/2018.

 

Further to the above I sent Hoist Portfoilio Holding LTD a section

78 request via 1st class recorded post on 25/06/2018.

 

To date, neither Howard Cohen nor Hoist Portfolio are

yet to furnish me with the requested information .

 

Therefore with the court’s permission the Claimant is put to

strict proof to

 

a) show and disclose how the Defendant has entered into an

agreement;

b) show and disclose how the Claimant has reached the amount

claimed for;

c) show how the agreement was legally terminated to allow the

claimant relief.

d) show how the Claimant has the legal right, either under

statute or equity to issue a claim;

 

3. As per Civil Procedureicon Rule 16.5 (4) it is expected that

the Claimant prove the allegation that the money is owed.

 

4. On the alternative, if 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 crediticon Act 1974.6.

 

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.

Link to post
Share on other sites

No response from you to their points 3 and 4 ?

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

Link to post
Share on other sites

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.

 

1. The Claimants case is denied. Whilst I have had dealings with Capital One in the past I cannot recall the specifics nor am I aware of any default notice or legal assignment the claimant refers to within its particulars of claim and I have no knowledge

of who the claimant is nor have I been provided with any Notice of

Assignment pursuant to the Law of Property Act 1925.

 

2. It is denied that any amounts are due under any contractual agreement.

 

On receipt of this claim

 

I requested information pertaining to this claim from the

Claimants Solicitors by way of a CPR 31:14 request sent via 1st

class recorded post on 25/06/2018.

 

Further to the above I sent Hoist Portfoilio Holding LTD a section

78 request via 1st class recorded post on 25/06/2018.

 

To date, neither Howard Cohen nor Hoist Portfolio have supplied the requested information.

 

Therefore with the court’s permission the Claimant is put to

strict proof to

 

a) show and disclose how the Defendant has entered into an

agreement;

b) show and disclose how the Claimant has reached the amount

claimed for;

c) show how the agreement was legally terminated to allow the

claimant relief.

d) show how the Claimant has the legal right, either under

statute or equity to issue a claim;

 

3. As per Civil Procedure Rule 16.5 (4) it is expected that

the Claimant prove the allegation that the money is owed.

 

4. On the alternative, if 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 crediticon Act 1974.6.

 

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.

 

-----

 

I have responded to point 4 in my point 1. Does point 2 not cover their point 3?

Link to post
Share on other sites

Pity you cant give a definite on the following......

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Probably

 

If they had not......you would add after " The Defendant contends that the particulars of claim are vague and generic in nature. "

 

The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.

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

Link to post
Share on other sites

Fine...ignore the above then and submit your defence.

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

Link to post
Share on other sites

  • 1 month later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...