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Everything posted by DebtUpToMyEyeBalls

  1. thx dx100uk When completing the PAP, I ticked BOX D (I dispute the debt) how should I word the "I dispute the debt because........" I have also ticked the BOX I (I need more documents or information) and said in the "I need a copy of....." I just said Please see attached copy of the CCA request sent to Hoist Portolio Holdings Shall I send the completed PAP to Howard Cohen Sols with the attached copy of the CCA request and send the CCA request and £1 payment to Hoist Portfolio Holding Please advise if incorrect pls Mark
  2. The last token payment (£1) was on the 15th May 2012
  3. Here is the CCA which I received when requested and additional pages of terms and conditions egg_1.pdf
  4. Please can someone give me some advice. Received "letter of claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Egg/Barclaycard acc. History... 16/6/2009 Received “Default Notice” 7/7/2009 I sent letter to Egg requesting the CCA 8/8/2009 I sent letter to Egg requesting if I could make token payments to the account and they accepted 20/8/2009 I sent letter to Egg informing them they have entered default for not providing CCA, I sent another letter stating this on 6/10/2009, a follow up letter on 19/10/2009 as n
  5. Sorry Guys I have my wires crossed here...this "Letter Of Claim" has been sent to me in regard an Egg card (Which was taken over by Barclaycard). so this is in the wrong thread...with a whore different set of circumstances. Mark
  6. Thanks you. I really dont want to give them my phone number or email address, do I have too?? also do I have to fill in the "Customer Financial Statement" which was sent with the letter? Mark
  7. Thanks again guys So please can you advise me of my next steps Mark
  8. Ok dx100uk I have converted them into one pdf Mark jpg2pdf.pdf
  9. Many thanks Guys Im not sure if the attached letter is a pap M
  10. Please can someone give me some advice. Received "Letter Of Claim" from Howard Cohen Solicitors today who have been instructed by Hoist Portfolio Holding Ltd, who purchased an ex Barclaycard acc. Im sure this account is Statute Barred as no payments have been made to the account or acknowledgement of the debt in the last 8 years. Only problem I had was about 2 years ago when Barclays took out £700 from another account and applied it to this account, but I got them to overturn this and move the funds back to the original account. I dont know what to do, pls can anyone help
  11. Received another "We have not heard from you...We are willing to help.....If I don't contact them the account will be passed collections" letter today. Is it worth a response i.e. reminding them they have not fully responded to my request for a viewing of the CCA? Also what is the criteria for statue barred? Many thx
  12. Please can somebody help me I'm a very upset and worried man!!!! Barclaycard have taken out a payment of £700 from my Barclays current account. I put some money is this account last week for a friend to use the debit card to pay for her holiday, but when we went to pay with the card, it was declined. Knowing we had only put the money in the day before, I checked and found Barclaycard have taken this amount? I received a letter from them regarding taking the money today, I have attached it. As you can see, this account has been in dispute since 2009.
  13. I have just checked the statements they have sent me and the last payment to the account was on the 13th March 2009 and the last usage was on 28th April 2009. So we are very near being statue barred.
  14. I have received a response to my last letter. I'm convinced they don't even read any letters they receive, My letter stated that I have not received a copy of the signed alleged credit agreement for this account and I have only received a copy of a signature box and some typed up "agreements" which do not bear my signature. So guess what they send in response!...The same credit agreement and terms & conditions they originally sent when the CCA was requested!! The coving letter states “Please find attached copy of your signed agreement and statement”. They have now plac
  15. Many thanks Daniella Please could you point me in the direction of a drafted letter I could send to them with this information contained. Many thx again
  16. Hi Daniella Thanks for looking at my thread, all the documents they have sent me regarding the CCA is in Post 135 Many Thanks
  17. What will their next step be...more begging letters? Should I reply or just ignore them. I'm just worried as the amount they are chasing is a big sum, 10k+, and because I own my own home, I don't want them to apply for bankruptcy and chance us losing our family home.
  18. Got a reply to my "Account in Dispute" letter today. They seem to think the CCA is valid?
  19. Last Usage was April 2009 Last Payment was March 2009 I still think another 4 - 5 months before statue barred
  20. I keep getting letters off these people every 6 to 7 days now. This is the latest I received on Friday. I getting worried now as they are threatening legal action, CCJ and Bailiffs etc. Should I respond with a standard letter?
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