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Everything posted by joebloggs72

  1. Hi some advice on dealing with capquest ..this is odd as i only know its capquest by doing 1471 on my phone they keep calling and asking for my wife she is at work they refuse to tell me who they are citing data protection rules they wont give me their name nor the company name.. the reason for the call ( that i get due to data protection ) but who they are seems a bit extreme could be anyone calling. ..i have told them if they are unable to tell me at least who they are then they should do so by letter and stop calling and any permission they had to call the number is revoked didnt do any good they keep calling.. whats the best way with dealing with them cheers
  2. This was discontinued today and the account permanently closed as its now statue barred
  3. havent had a letter yet assume i will get one from the courts but do have a pdf attachment attached to the email they sent me
  4. oh do i need to tell howard and cohen i have recieved the email like they said too or just ignore them
  5. great so in less of a month it no longer becomes a headache as i believe its 6 years after the first month missed so thats sometime in next couple weeks ..thankyou again
  6. so what happens to the clock as regards to it becoming statue barred does it stay stopped or continue on as before as that debt was due to become statue barred this year and the court action stopped it ...i just want to know if i can forget about it or if it can come back in a couple of years if it becomes statue barred i doubt there would be time to do anything now as october 6 years ago was last payment made to them
  7. cheers thats ok thats in november lol....can this come back to haunt me ie they sell the debt on or is that it now dead
  8. well thats a shock i couldnt get to the court tomorrow as it isnt local to me was expecting to lose and find a ccj wonder why they stopped as they paid the fee ... now they had another one pending on me in another thread but the deadline for that passed . .wonder if they will now wake that one up ?... ok ty all you guys specially Andy... what happens exactly now with regards to the debt being on my credit file does it show as settled now?
  9. Just recieved a email with the following does that mean i won? Hoist portfolio Holding 2 Limited v Mr Joe Bloggs Claim No: Small Claims Hearing: 31 October 2017 We refer to the above matter. We can confirm that we have been instructed by our client to discontinue this claim, therefore please find enclosed by way of service upon you a “N279” Notice of Discontinuance. The original has been filed at Court, and we have asked them to vacate the hearing accordingly. We would be grateful if you could confirm safe receipt of this email. We trust this concludes the matter. Yours faithfully
  10. I managed to get through as of 10 minutes ago there was no payment showing on the system but the lady said the only worry would be if they paid by cheque as the courts was running behind ...she told me to email my court which i have to get them to verify if payment has been made or not
  11. Hi once the deadline has passed for them which will be the 10th how do i find out if the case has stopped there cause they didnt file in time or if it will continue to the 31st when the case is to be heard
  12. my bad but yes the combined court centre is still listed for the city i live in and the number i was given is the number listed on that site so would say still very much open as for the examples will look around see what i can find ...the effort isnt the issue its finding the right places to look which is lol
  13. yes my local magistrates is still open ...as for the evidence am some what confused to be honest on what my argument is ...the agreement they sent me was unsigned but they can argue against that its hard to read as its badly photocopied so i guess that covers the face i cant read it... the interest they show on the agreement differ from my original card which i can prove as i have a statement from then to show a difference but unsure if that makes a valid argument... i need some guidance now this is on its last leg to how to handle this or i will be turning up and arguing with their lawyer who will be used to eating ppl like me for lunch if the above reasons will just be laughed out of court or it seems i am wasting my time trying to defend this i can just file now and get it over and done with...i hear all the time they lawyers etc dont turn up does this actually ever happen with hoist or are they the vultures they seem they already know i cant afford to pay so getting blood from a stone springs to mind
  14. Hi Andy i did i stated i wanted at my local court even if i remember correctly gave the address of the court cant verify that as i dont have a copy of that paperwork unless its listed online somewhere. .problem it seems my postal code area covers several cities instead of giving my local one in my city centre they have given me one in another i have been trying to get through with them all day but the actual courts dont deal with civil enquiries was given a number that deals with all the local courts with civil matters as for the directions i am reading them now not sure what i am actually relying on i remember someone saying wait till they affirm that the credit agreement they sent me is a true copy then i tell the courts that it isnt as the credit rates differ to the original agreement which i can prove via a statement sent to me under SAR . as i have to send hoist copies of everything i am gonna use wont that give them the heads up... i am seriously out of my depth on this
  15. Thankyou will try it says if they havent responded with the fee by 10th oct it will be struck out ...in reality how often does that actually happen with ppl like HOIST
  16. Hi all just had a etter from the courts notice of allocation to the small claims track with the date for the 31st october had hoped it would be for the court in my city centre but it isnt not sure i can do anything about that appearing is going to be a issue how do i go about now trying to win this?
  17. Cheers for the info i used noddle to check my credit file it shows the default on there as march 2012 but the last payment to the account was oct 1st 2011 i thought november would of been the default payment after a payment was missed
  18. does this now mean its stuck in limbo assuming it cant be statued barred now because its in the courts system even if they never do anything on it again? but also assuming the original debt will now fall off my credit file in november when it would be 6 years old
  19. ty andy they must be waiting on how there other case goes as thats been transfered to my local court
  20. since i posted the defence on this back in may i havent heard anything else checking online at moneyclaim A claim was issued against you on 24/04/2017 Your acknowledgment of service was submitted on 26/04/2017 at 19:04:11 Your acknowledgment of service was received on 27/04/2017 at 08:02:38 Your defence was submitted on 24/05/2017 at 10:14:20 Your defence was received on 24/05/2017 at 12:02:53 do they have a deadline to do something
  21. the only question that was asked about paperwork was had i recieved a credit agreement and that was only in the summery of what they told her we both had to tell the history of the case as she had no information as she pointed out she wasnt at the courts nor does she work for them didnt last long they wanted x amount i said no that was the end of
  22. mediaction over and done with just for a update ..they wanted a min of £4555 they did say i could pay it back at £5 per month should only take 75 years to clear if i had accepted
  23. I have no idea whats connected to what as regards to the agreement most of this is second nature to most of you . .what you might see as very obvious isnt to me. i have no idea how things move along as regards to the time line of being summonded to when a judgement is made . .and i am trying to work out what my defence my chances of winning hinges on . .the more i have sat and thought the original agreement would of been one of them generic postal applications you signed and waited to see if you got sent a card. .as for a waste of time i meant unless i have a defence that i can get my teeth into with a chance of winning and not just grasping at straws hoping i get a decent judge when the time comes . .i am hoping they dont turn up lol but how often does that happen if its being defended? i did hope the SAR would list what the debt was sold for at least then i would have a bargaining tool if i was to offer a settlement ..if i have a decent chance of winning then i would be stupid to try and settle but if i am flogging a dead horse trying to get the best deal without a judgement against me would be the best scenero as this debt falls off my credit file in november a ccj would leave it there for anoher 6 years . .. i am just looking at all angles and outcomes trying to work out the best one for me
  24. thats disappointing i was hoping when it finally goes to court and they do their witness statement thing and tell the court the agreement they're using is accurate - that when i say it isnt cause the rates are different here is a old statement showing a different rate - and the fact you cant read all of the agreement ( thought there was a part that says a CCA has to be basically readable by the debtor to be valid in its terms and conditions) - the court would throw the agreement out I - s alot of conflicting information on the web over agreements and trying to pick fact from fiction so i can try and make a defence or all this has just been a waste of time if the inevitable is going to happen anyway... have a couple questions from what i think i understand defaults ccj all fall off your credit file after 6 years regardless if there paid or not? i am not bothered about the debt but i wanted to clean up my credit file so my credit rating would improve and it was till the only two debts i am in default with showed up.. if i was paying them even a token payment would that still show up if i was still paying after 5 years or does that drop off too and i just carry on paying it?
  25. any advice on my plan of action? i have the sars but what am i looking for in it . ..mediation is on monday morning from what i have read the argeement needs to be accurate as the agreement was when the card was taken on on its terms and conditions? i have statements from the SAR that show my interest rate was only 1.0xxx percent per month at the time but the agreement i believe shows a much higher rate would this and the face parts of it are not readable justify it failing as a true copy of the agreement? it not being signed doesnt seem to matter nowadays if that is the sole defence my continued thanx on any help given
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