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About mrdonj

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  1. Literally was on my way to the post office when the postman dropped some letters off. Hoist/Cohen have issued me with a notice of discontinuation! Going to ring my local court on Monday morning to make sure they have actually forwarded a copy to them. Thanks again for the help guys. So much stress off the shoulders
  2. I take it reading through some of the legal successes will be helpful? Yeah I read the letter in a panic, it stated the claimant must pay, not me the defendant (facepalm).
  3. the mediation appointment did not go through in the end. The mediation team had informed me that Hoist still hadn't got in touch with them to confirm the date and time of the appointment and I received no email or letter confirming that they had done so on time. The mediation team did phone me three days before the appointment asking me if I could accept an appointment later in the day, but I missed their call (and subsequently they had already sent the claim back to my local county court the same day) Received a letter today for a court hearing in just under a mon
  4. As it stands right now I can decline the offer, have a week to decide really. I can't remember the thread I was reading, it was a while back, but I remember there was a reason cited for going ahead with mediation and then mentioning the lack of documentation during the conversation, but I can't recall why that was.
  5. had a mediation offer for next week. Been involved in one before with a very good outcome. Just curious, one of the things that I need to agree to is " I can confirm that I have enough information about the claim to allow me to enter into negotiations and that I do not require any further evidence from the other party before the appointment." Seeing as they haven't actually provided me with any of the documents requested in my defence, nor did they comply with the CPR 31.14 request, one would think that I would need more information before going into negotiat
  6. So one back to the court, a copy for myself and one to Cohen. I noticed in two threads, that the copy to the solicitor was recommended to be sent without signature, email and phone number. Is there any reason to do that here?
  7. Received N180 letter which says I need to file with the court and serve on all parties. Do I send a copy to hoist and their solicitor as well?
  8. Thanks for the advice. I contacted the bailiff directly before you messaged and told him about my circumstances. Asked for the medication I was on etc and told them I was a student. They've agreed to remove the £235 fee but want my last two payments up front by the weekend which I'm fine with if I'm honest, since the payments would be coming from the same lump of money anyways. Is there anything else I should, just to make sure I'm not being lied to etc. I did record the phone call just to be safe
  9. I had an agreement with Marston to pay off a fine due to an untaxed vehicle being on the road. Received my student finance last week not realising it was being paid into a different account. Agreement broke on the 13th of Jan due to the missed payment. I had made an initial payment in december. They noted missed payment on the 15th Jan Today (16th Jan) a Bailiff from Marston arrived. I was asleep but another family member was arriving home from work and saw them. They put a Final Notice letter through the letter box. £235 enforcement stage costs and £75 admin fee have been
  10. Is this any better? I removed the parts about CCA since this doesn't fall under CCA? Defense 1. Paragraph 1,I accept that I have held a current account with Santander in the past. I have not serviced this account since 2008 due to the account being closed by Santander. The punitive charges and interest being applied made the account untenable and impossible to facilitate. The amount claimed is far in excess of any agreed overdraft limit with Santander Bank. It is therefore denied that I am indebted for any alleged outstanding residue. 2. Paragraph 2 is denied, I have never been
  11. This is a draft which I have come up with. 1.This claim is for the sum of £1678.00 in respect of monies owing pursuant to an overdraft facility under bank account no XXXXXX The debt was legally assigned by Hoist Portfolio Holding 2 Ltd (EX SANTANDER UK PLC) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 3.The Claimant claims 1. The sum of £1678.00 2. Costs 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accor
  12. I am in the process of compiling my defence but wanted to know an idea as to what to respond with since they have not responded to my CPR 31.14 request. It was received by the solicitors office on the 20th December
  13. Have read a few threads here. So it seems since it's an overdraft I can't send a CCA request, only a CPR31.14 request to the solicitor and to acknowledge the debt?
  14. Have spoken to Santander who have said last payment was 5 years ago on November 13th 2013 so can't go with a statute barred defence since I'm in the UK
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