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HPH2/cohen claimform - old tesco Mastercard debt***Settled by Tomlin Order***


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Hi :-)

 

 

I've just received a 'Letter Of Claim' from Howard Cohen & Co. Solicitors stating their client as "HPH2 LTD (Ex Tesco Personal Finance PLC)" also referenced in the letter as "Hoist Portfolio Holding 2 Ltd" regarding it's 'intention to issue proceedings in the County Court'.

 

It also says "Despite our client or it's agents, Robinson Way Limited..."

 

I believe my first course of action is to issue a CCA Request to the debt collector / client?

 

The problem is that I cant find a UK address for Hoist Portfolio Holding 2 LTD but have found a Jersey address. The UK arm appears to be Hoist Finance who in turn own Robinson Way.

 

Which of these companies should I write to with the CCA request?

 

It's in relation to an amount of c.£5,500 on a credit card agreement allegedly signed in April 2008

 

Thanks

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Slow down a bit...

Was this an rbs funded loan/card or tesco bank themselves?

 

Is this on your credit file?

When was you last payment?

When was it defaulted?

Have you moved since getting it?

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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@dx100uk

 

Was this an RBS funded loan/card or tesco bank themselves?

tescobank.com credit card

 

Is this on your credit file?

Nothing for tesco (or RBS) listed using money saving expert free credit check (experian based)

However:-

HOIST PORTFOLIO HOLDING 2 LIMITED £5,430.00

13/11/2016 Default / Ended

Account started:25/04/2008

Current Status:Default / Ended

HOIST PORTFOLIO HOLDING 2

LIMITED

Credit Card/Store Card

£5,430.00 credit in use

Entry code C18

Account settled 06/03/2013

 

 

When was you last payment?

Unknown

 

When was it defaulted?

Unknown. They claim notice of assignment on 19/01/16

 

Have you moved since getting it?

No

Edited by dx100uk
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Can you format that better please

 

And answer the Q's properly?

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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Share on other sites

Was this an RBSicon funded loan/card or tesco bank themselves?

A credit card issued by tescobank.com

 

Is this on your credit file?

Nothing for tesco (or RBS) listed using money saving expert free credit check (experian based)

However, please see attached screenshot from credit report

 

When was you last payment?

Unknown

 

When was it defaulted?

Unknown

 

Have you moved since getting it?

No

hoist.png

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god that's helpful

 

what does noddle say

 

can you not look up the last payment?

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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Share on other sites

I'm unable to look up the last payment as I have no paper records and online login details are lost/incorrect.

 

Noddle shows nothing related to Tesco, RBS or Hoist under closed accounts

 

Under open accounts it shows

Hoist Portfolio Holding 2 Limited

Balance: £ 5,430

Updated: 01/06/2018

Status: Default

 

Account start date 25/04/2008

Opening balance £ 5,430

Repayment frequency Monthly

Date of default 06/03/2013

Default balance £ 5,430

 

Balance history goes back to March 2016 with the same balance as above and shows Default each month all the way to June 2018

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forget the calendar section

 

so defaulted 3 june 2013

 

so will vanish from your file next year

know what bank account it was paid from

got online access or the statements for that account?

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

re titled and moved to other institutions forum

please continue to post here still

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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Share on other sites

good so SB'd in a few months

 

let it run

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

no don't kick pram wheels simply invites pointless letter tennis

 

they've got to abide by PAP [so that takes +30 day

and then the CCA 12+2 working days...= WILL be Sb'd

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

as post 11

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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Share on other sites

Apologies, I want to get this right and am not sure.

 

You say "let it run".

What does that mean and do you recommend any action?

If not now then at what point should I do something?

And what should that something be?

Edited by dx100uk
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yours is not the next move

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

  • 1 month later...

Claim Form Received

 

Dated 01 Aug 2018

 

Claimant

Hoist Portfolio

Jersey

 

Address for documents

Howard Cohen and Co

Leeds

 

 

 

Particulars

This Claim is for the sum of £5430.50 in respect of monies owing under an agreement with the account number xxxx xxxx xxxx xxxx pursuant to The Consumer Credit Act 1974 (CCA).

The debt was legally assigned by Tesco Personal Finance PLC (Ex Tesco Finance) 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 upong the Defendant pursuant to s.87(1) CCA.

The Claimant claims

1. The sum of £5430

2. Costs

 

Amount claimed £5430

Court fee £410

Legal costs £100

Total amount £5940

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Thread moved to Financial Legal Issues in view of your claim form.

 

Please read the following link and then copy and paste the Q,s and your responses back here to enable to the best advice on how to proceed.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**(1-Viewing)-nbsp

 

Regards

 

Andy

We could do with some help from you.

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Name of the Claimant ? Hoist Portfolio Holding 2 LTD

Date of issue 01 AUG 2018

 

defence by 31st aug

Particulars of Claim

1.This Claim is for the sum of £5430.50 in respect of monies owing under an agreement with the account number xxxx xxxx xxxx xxxx pursuant to The Consumer Credit Act 1974 (CCA).

2.The debt was legally assigned by Tesco Personal Finance PLC (Ex Tesco Finance) to the Claimant and notice has been served.

3.The defendant has failed to make 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 £5430.50

2. Costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Letter of Claim was received on 28 JUN 2018

 

What is the total value of the claim? Total amount £5940.50

 

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: 25 APR 2008

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes

 

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.

It has been assigned

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I can remember

 

Did you receive a Default Notice from the original creditor? Not that I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I can remember

 

Why did you cease payments? Illness

 

What was the date of your last payment? 25 SEP 2012

 

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 planicon? I think I let them know I was ill. I had a few credit cards and cant be sure.

Edited by dx100uk
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You must acknowledge service by Friday 17th August before 4.00pm.

 

Friday 31st August is your defence due date..again before 4.00pm

 

Read the instructions contained in the pack how to register and do this on line.

 

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

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I guess I'm hoping for a court date later than 25 SEP 2018 in order to proceed with a Statute Barred defence?

 

Does this mean I can take my time before Acknowledgement, CCA, CPR 31.4, CPR 18

 

See my last post revised dates

 

Sorry no...the clock stopped re statute barred on the issuance of the claim

 

CCA and CPR today...CPR 18 is not applicable to your 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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Many thanks Andy

 

I guess it doesn't matter so much now that I've no reason to delay but I made it Sunday the 19th of August and Sunday 2nd of September

Are the earlier dates due to the weekend?

 

I'll acknowledge service and get the CCA and CPR 31.4 sent out today or tomorrow

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