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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

louie08

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Everything posted by louie08

  1. louie08
    That’s fab news you guys on here have been absolutely brilliant and a god send I can’t thank you enough!
  2. louie08
    Yes I will do, if confirmed is that it over? The letter says that no further court action will be taken against me at this time and I’d be notified in writing prior to any further legal action in the future, also that I’m still liable for the debt and the clients agents Robinson’s way may contact me to discuss matter further.
  3. louie08
    Howard Cohen sent a letter saying client had reviewed and considered personal circumstances and chosen not to proceed with legal action. And went onto say find enclosed by way of service upon you a notice of disvontinuance which is then attached?
  4. louie08
    Mediation was a waste of time, I then sent of I&E and a f&f settlement offer detailing a medical condition that severely disabled me and means I don’t earn much money and can’t afford any more. Today I received a Notice of discontinuance but also says Robinson way may contact me to arrange repaying the debt? last payment was October 2009, county court claim started June 2015, is this over now, is it statue barred or should I now negotiate with Robinson way??
  5. louie08
    ThankS so much for clarifying, now I understand
  6. louie08
    Thank you, there never was a default notice only a template until very recently! I shall use that in my defence tomorrow if promted.
  7. louie08
    Since I put in my defence in 2015 they have sourced all the relevant paperwork and issued me a copy so I’m really worried about what to say when asked to explain my defence?
  8. louie08
    Thanks Andy, i have mediation booked for tomorrow though, the small claims court rang and booked the appointment?
  9. louie08
    Thank you I thought it meant it had been lifted already. Do you have any advice on what to say during mediation please?
  10. louie08
    Default2010-min.pdf I struggled with this, I hope its ok Thanks in advance Default2010-min.pdf
  11. louie08
    There are 14 pages of the application notice further 25 pages attached which includes copies of letters received from them inc. copy credit agreement, dd mandate, statement of account, default notice, notice of assignment, settlement offers, evidence of means forms. Which do you want to see please
  12. louie08
    I’ve just looked through the mountain of paperwork most recently sent from them and there does now seem to be a default notice dated 2010
  13. louie08
    I have mediation call booked for Thursday, I know you don’t think this will happen but I’m worried in case it does and I’m unprepared. I have no idea what I should be saying & not saying, whether I should admit to the debt etc the email says I will be asked to clarify my opening position that I should briefly & accurately explain my claim or defence? Any advice would be so much appreciated please
  14. louie08
    Thanks for the advice Andy, theyve supposedly agreed to mediation So I will ring back and book later then see what happens
  15. louie08
    Hi, so I’ve had a message left from the small claims mediation team to ring and make appointment which I will do today. Is it worth me making a settlement offer now or leaving it until mediation? I’ve paid them nothing in 10 years, their claim is for £8500 & they’re last letter offering settlement to me asked for £5500 then I received another saying any reasonable offer would be considered. What would be considered a reasonable offer at this stage please? Thanks so much in advance
  16. louie08
    Ok Thank You, sorry for all the questions I really appreciate your help
  17. louie08
    Actually in looking again I think it is an N244 that Howard & cohen have filled in on behalf of Hoist Finance. Does this change things? Should I still fill in N180 and wait it out, what is the likely outcome?
  18. louie08
    I don't think its a N244, its asking for form N180 to be filled out and saying that a copy of their defence has been received along with copies of all paperwork original credit agreement, payment summary, notice of assignment, default notice, direct debit mandate! My last payment to them was October 2009 but i believe they started court proceeding originally before it became statue barred then the case was stayed until now
  19. louie08
    Hi, I know this is a real old thread but they have appeared again . I have today received a general form of judgement or order that says the court will deal with the application to lift the stay without hearing and that the application to lift the stay and issue direction questionnaires is granted, I have only 12 days to fill in some questionnaire and no idea what to do. There are also copies of the agreement with signatures on, what does this all mean and what should I do?? Please help Edit - Also this is now from Hoist Finance Uk Holding 2 Ltd
  20. louie08
    It's just the default notice that's a template, there is a signed copy of the agreement & payment summary. Shall I still ignore?
  21. louie08
    Hi again, as you know they didn't respond to my defence last year and didn't hear a peep until today. I have just received a letter from howard cohen referring to my defence from last year and enclosing documentation of the agreement, transaction summary & a default notice template (nothing with my personal details on). They state that as this confirms existing liability that their client will consider any reasonable offer to discharge the debt claimed in these proceedings. They state after 14 days that they will seek their clients instructions to apply for judgement to be entered against me. Help Please, what does this mean and what shall I do?
  22. louie08
    Thanks Andy, is there any time limit they have to proceed & what are the chances?
  23. louie08
    Hi, didn't dare post before now incase I jinxed myself! Defence was filed over 2 months ago & nothing else heard. Does this mean it's over?? TIA
  24. louie08
    Thanks for the quick reply, will do it now.
  25. louie08
    Thanks so much. Do I have to state poc when filing defence as I have above or just the copy of my defence? And also when is it best to file defence sooner rather than later or last minute? Sorry for the silly questions, never been in this situation before and scared of doing something wrong! Really appreciate your help

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