Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 13/02/2017 What is the claim for – Particulars of Claim The claim is for the sum of £2617.45 in respect to monies owing under an Agreement with the account no. xx.xx pursuant to The Consumer Credit Act 1974 (CCA) The debt was legally assigned to MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of this agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claiment claims 1. The sum of £2617.45R] 2 Interest pursuant to s69 of the county court act 1984 at a rate of 8.00 percent from 20/07/11 to the date hereof 2027 days is the sum of £1162.89 3. Future interest accruing at the daily rate of £ .57 4. Costs What is the value of the claim? £4045 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Barclaycard Credit Card When did you enter into the original agreement before or after 2007? Before 2007 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. Assigned to MKDPP LLP Were you aware the account had been assigned – did you receive a Notice of Assignment? Not Sure Did you receive a Default Notice from the original creditor? Yes but cant remember dates Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure, did recieve a couple of letters saying they will accept a reduced balance Why did you cease payments? Made redundant What was the date of your last payment? June 2009 Was there a dispute with the original creditor that remains unresolved? Yes, had payment protection on card but was refused a claim on it Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes to ask for interest to be frozen, again refused and no debt management plan entered.

I thought that too, but 2 payments for £0 are listed one in June 2011 and one in July 2011, It states late payment made, This explains the date on the court documents of 20/07/11. How can a "late payment" of £0 be made. As I said earlier I am 100% certain I have had no contact or made no payments since 2009. Is this some underhand way of keeping the account open?

Hi Bankfodder, Thanks for the reply. I havent tried with the PPI has I was afraid it would be construed as admitting the debt and reset the 6 year statute bar. Can I acknowledge service via the Moneyclaim.gov website? Do I select 1. I intend to defend all of this claim? Can you redirect me to a link for a template to send to? who do i send it to? Howard Cohen or Hoist Portfolio? Many Thanks Rob Also If it comes down to it, will my credit report with the date of last payment made on this debt be enough to prove it is statute barred? Thanks

Hi I have received a claim from Northampton County court business center, for a debt I am certain is statute barred as after checking my credit report online the last payment I allegedly made was in June 2009 I say allegedly as I was unemployed at the time and had been for 6 months, hence why payments had stopped. The debt was on a Barclaycard which had payment protection on, I contacted Barclays when I was made redundant to ask them to stop the interest and make a claim on the payment protection, they refused both of these requests and asked me to phone their insurance service based in Dublin. XI did not do this as I thought it excessive that I should pay for phone calls to Dublin etc as the card was taken out in my local branch of Barclays. I have not made any payments or had any contact with Barclays or any DCA since 2009. This is the wording of the court documnent Particulars of Claim The claim is for the sum of £2617.45 in respect to monies owing under an Agreement with the account no. xx.xx pursuant to The Consumer Credit Act 1974 (CCA) The debt was legally assigned to MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of this agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claiment claims 1. The sum of £2617.45 2 Interest pursuant to s69 of the county court act 1984 at a rate of 8.00 percent from 20/07/11 to the date hereof 2027 days is the sum of £1162.89 3. Future interest accruing at the daily rate of £ .57 4. Costs Questions I have on this are why is the date stated as 20/07/11, I 100% did not contact or acknoledge this debt after June 2009. I have no idea who MKDP LLP are. Would sending in my defence to the court be a statute barred one, or just acknowledge the service and ask for evidence from the claimant which seems to be a different company to whoever MKDP are. They are listed on the court letter as Hoist Portfolio from Jersey, and Howard Cohen and Co who I think are solicitors. Any Advice would be greatly appreciated Rob BTW I have 4 days to reply to the court

Thank you Slick 132, My first thought was about changing my bank and thankfully I already have one which has been dormant and was easily set back up, and thank you for the template links they havce given me a starting point to hopefully get it all sorted and back in the black.

Hi, I have been out of week since September last year and my only income has been Tax Credits, I had a couple of £22 reserve fee's taken which I had forgotten about and since being on Tax credits I have not exceeded the money I had going in to my account but due to the original reserve fee's it has meant that I have been using my reserve every month without my knowledge due to the fact i knew the excact amount going in to my account and knew how much I could withdraw. My tax credits have dropped considerably and do not even cover the reserve amount let alone my overdraft now. Due to the first couple of reserve fee's the subsequent fee's since then have amounted to over £800 how do I stand in getting these charges refunded as I believe the Banks are not allowed to take charges from a benefit. Thanks

Hi Guys, I purchased a HP Pavillion DV5 from PC World in September 2008, in January 2009 the screen died and was replaced, in April the Hard drive developed a fault and was also replaced, in July it would not boot at all and I think the motherboard was replaced. Now in October the same as happened again,no boot from any media I:E Dead Laptop. I have been through all the options regarding the SOG act and got an independant report stating the laptop is beyond economical repair as the motherboard, battery and Blu Ray drive all need replacing .having sent this report to PC World Customer center I received a call from them today offering me a voucher for £250 to use in PC world to repair my Laptop!! As the laptop cost £799 when purchased I argued with the lady on the phone doubting they will be able to repair my laptop for £250 pound considering what needs replacing. The advice i'm looking for is am I within my rights to demand a replacement laptop of same spec or a refund, or do I have to settle for the repair, I'm not overly confident that the laptop will be come back ok due to its past history. Thanks