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Found 14 results

  1. Hi, new on here. I have also had same letter arrive (in my previous married name even though i told them my new surname)yesterday stating HPH2 taken over the debt. Yes i have a debt, stupidly entered into during marriage but genuinely thought if we split debt would be shared between both me and Ex husband. This is an AA Loan of £3920 Ex has gone underground so now after just me. Statue barred could you explain if it is from last payment made or last communication with debt company. I communicated 2014 advising financial situation and it went on hold. I last made a payment to AA in 2012 i think when i just couldnt manage payments on my own. Could anyone advise do i contact them and wait the high demand for money or sit tight and see if they try again. Thank you for any help.
  2. HPH2 LTD/ROBINSON WAY/ EX TESCO DEBT Hello, thank you in advance to anyone that can help. 1. In May 2005 I took out a £12k consolidation loan over 3 years. 2. In 2007 I ran into money problems and entered into an agreement to pay less per month. 3. By 2008 I lost my job and defaulted on several payments eventually I just stopped paying anything. 4. The account passed through several DCA’s and I tried to negotiate a reduced FFS figure several times however they always wanted more than I could afford so I paid my other debts instead. 5. The last payment I made was in 2011 and the debt was 6k at this point. 6. They continued to chase me for payment and I continued to try to offer settlements to no avail. 7. In 2014 Tescos wrote and offered me a FFS which I wrote back to accept with the proviso that they confirm in writing that they would not sell the rest of the debt on etc. 8. I sent the letter recorded delivery but I did not get a reply to this acceptance letter. They just continued to send statements. 9. In the last few months I have received letters from Robinson Way showing the debt is now due to HPH2 although I have not received a notice of assignment. I have written to request a copy credit agreement. 10. Finally Howard Cohen have sent a notice of pending legal action to which I have responded with a Pre Action Conduct - Request for Information letter. Judging by other posts that I have read this will almost certainly go to court. I cannot afford what they are proposing as they have added so much interest and charges (it’s now up to 10k). The debt is long since off of my credit files and as I have continued to try to negotiate settlements it is a long way off of being statue barred. I really would be grateful for any advice anyone can offer to help me reach a settlement (or maybe in my wildest dreams write off the debt) Yours Sleeplessly.
  3. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – . 01 March 2016 what is the claim for – the reason they have issued the claim? 1.Claim forr the sum of £7600 in respect of monies owing under an agreement with account no 5301************ persuant to the consumer credit act 1974. The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defendant persuant to s.87(1) CCA. 3.The Claimant claims 1. The sum of £7600 2. Interest persuant to s69 of the county court Act 1984 at a rate of 8.00 percent from the 27/04/11 to the date hereof 1765 is the sum of £2900 3. Future interest accruing at the daily rate of £1.67 4. Costs What is the value of the claim? total £11100 (all figures rounded) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Don’t Think So Did you receive a Default Notice from the original creditor? Don’t Think So Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Dont think so Why did you cease payments? Redundancy in 2006 but maintained payments until savings ran out in 2010, then entered into a payment arrangement until I think 2011 What was the date of your last payment? Not sure, sometime in 2011 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into plan? Yes .................. I have filed my acknowledgement of service (07/03/16) and sent a CCA Request to Hoist and a CPR 31.14 request to Howard Cohen, no response to either yet (received 9th and 8th March respectively). I am hoping for some help in filing a defence which needs to be by 1st April 2016, I think. I’m sorry if I seem to have left this late, but I thought I had this all under control and was getting my defence ready today for submission later this week. I was reading through the forums for advice on how best to word my defence when I came across a post describing my exact experience, which was the return of my postal order for £1, rejecting my CCA request, stating the request had been passed on to Cohen’s solicitors who would respond in due course. Whilst I wasn’t fooled by their granting of a 14 day extension to file my defence, I still felt I had fulfilled my requirements to place Hoist in default under S.78. Based on advice posted on the other thread, I am now going to send another copy of the CCA request with a copy the letter rejecting my original CCA request to Hoist and the payment. In the other thread, the advice given was that it is no longer appropriate to state that " the claimant is in default of my request pursuant to section 77/78 and is therefore not permitted to enforce or request relief of the alleged agreement", and instead the defence should be along the lines of the claimant has continually refused to comply with my request by returning the statutory fee in an attempt to frustrate and avoid its legal responsibilities with this request and I therefore request that the court direct their compliance in this matter ". Based on the info I have given below, would you think that this advice would apply to this case also? Once again apologies for leaving it so late. I have been caught out by this unexpected and underhand tactic. Thanks in anticipation
  4. Hello I had an old debt with HPH2 LTD (EX CAPITAL ONE) that was being handled by Robinson Way. The debt itself was settled back in 2005 but Robinson Way decided that they were going to continue pursuing it up until about 2011 when they gave up after being unable to satisfactorily prove that I actually owed them any money. I received this letter from them today... "It has recently been identified the above account should not have been sold to our client Hoist Portfolio Holding 2 Limited ("HPH2") and as a result we should not have been assigned to the account for collection. This means that the account will be removed completely from our records and our client, HPH2, now confirms that you have no outstanding debt with them. In addition to this, you are eligible for a refund of any payments made since our client, or the previous owners, MKDP LLP ceased legal ownership of the debt. The refund is currently being processed and should be with you no later than 14 days from the date of this letter. Please accept our apologies for any distress this matter may have caused." I telephoned to find out what they mean by refund as I have not made any payments to them since I settled the debt nearly 11 years ago!. The man on the phone very nicely apologised for the letter and informed me that "We've been getting a lot of calls about these letters" and told me that they had been sent out in error. Oh and "How would I like to be paying today?" This is obviously a bit of phishing by Robinson Way so just wanted to post it up here so that you could all be aware of it. I will as always continue to ignore this nonsense
  5. hi I have uploaded 2 letters that I have received from robinson way. the first asking me if I lived at an address in Cyprus. which I did from 2006 until 2010. the 2nd telling me that I had a debt owed to HPH2 (ex Lolyds overseas) for £3037.00. I did have a loan in 2004 but due to loss of job while in Cyprus could not keep up the payments last payment was early 2007. since then had on contact with anyone regarding this debt until 2 weeks ago 1st letter. then the 2nd letter today. note on the 1st letter theres no mention of them being a DCA can you advise me on how to deal with this please Thanks
  6. Hi Had a bit of a shock when i opened the post a few days ago to find a County Court Claim form, hope you can help. Its from County Court Business Centre Northampton from the above claimants for an old Barclaycard debt that goes back to 1991 that was passed to MKDP and then Hoist Portfolio Holdings 2 Ltd, the debt collectors managing it are Robinson Way. The claim was issued on 02/03 The POC is as follows: The Claim is for the sum of £4395.98 in respect of monies owing under an Agreement with the account no. XXXXXXXXXXXXXXXX pursuant to The consumer credit Act 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claimant claims 1. The sum of £4395.98 2. Interest pursuant to s69 of the County court Act 1984 at a rate of 8.00percent from the 1/07/10 to the date hereof 2067 is the sum of £1991.85 3. Future interest accruing at the daily rate of £ .96 4. Costs Total Claim over £6800 I sent barclaycard a CCA request few years back but only ever received their T&C and what looks to be a badly photo copied application form ! Any help or guidance on what to do next, and what forms i need to send to who would be well appreciated.
  7. Hi All Short version is I owe HPH2 (ex Capital One) £935 since 2011. Hasn't been paid due to dispute between ex wife and I as to who should pay debt. Stubbornly I have until this point refused despite debt being in my name. Today I received a letter from Howard Cohen and Co - Notice of Pending Legal Action. It says I have 10 days from date of letter to respond by either making payment or payment plan with Robinson Way or I will be taken to court for CCJ. I am up against the clock as letter is dated 24th August but only arrived today (1st September). At this point what should I do? 1. Ignore letter (is it just a bluff?) 2. Call Robinson Way and agree a payment plan (can I just offer them a monthly figure or will I have to go through a whole income expenditure exercise? Thought I would offer £35 a month. Will they agree to a plan or insist on total payment which I cant afford? 3. Other - should I be doing something else? Any help greatly appreciated. kind regards Steve
  8. I am really grateful for this Forum. I am watching other people's reports with great interest so I thought I would share my own and see if I could garner some advice along the way. I am currently a Student with some Debts carried forward from a crisis past where I lost my home. I am pretty much on route to starting over. I never took the BR option but was hoping to wait out the clock ( didn't have any other options ) on some of the debts and deal with what I could. This is the second CCJ Claim and as far as I can make out it is over 6 Years since I have had any contact from the creditor. The particulars of the claim are as follows Debt Legally assigned from Tesco Personal Finance ( Ex Tesco Finance ) to Claimant Hoist Portfolio Holdings 2 Ltd who is being represented by Howard Cohen and Co in the county courticon Business Centre Credit Card Debt £3382.38 Interest pursuant to S69 of County Court Act 1984 £1621.96 Court Fee £410 Legal Rep Cost £100 I have followed the standard advice by sending a CPR request to Howard Cohen and Co and a CCA Requesticon to Hoist Portfolio Holdings. I have acknowledged the claim and submitted a holding defence. I am wondering how I will go about argueing that the debt is statute barred or should I wait for them to honour the requests I have made first. Any advice would be greatly appreciated. Thanks
  9. Hello Several days ago I got a payslip type communication from a company called Robinson Way, first time I have had anything at all like that from them . It had no information on it looked like a [problem] similar to what I get via email all the time so ripped it up and binned it. I did get one about a year ago like that from another company and binned that as well, and heard nothing further so thought nothing of it. I had an odd letter before about a debt with no money owed mentioned or companies mentioned and ignored them. I have an uncommon name, but not an unusual one and there a few blokes in my area with the same name , so thought they were probably looking for them. I got home from work today and have had a letter from HPH2 Ltd (EX Barclaycard) and says I owe them £727.04. I do not have a Barclaycard, many years ago I did have a Barclaycard and I entered into an IVA which included my Barclaycard which was less than the amount shown on this letter. I completed the IVA and paid it all and after 5 years got a letter all clear, this was about 3 years ago. I have heard nothing since and nor was I expecting to from any company. I have since started getting credit accounts again over the last few years and am managing these fine everything paid and up to date, nothing unmanageable and all fine. Due to this letter I checked my credit report with experian to see if I had been defrauded or something and no accounts were on there from Barclaycard. However HPH2 Ltd have registered a default against me on 01/05/2016. This has totally destroyed my credit rating, and is not my debt. They give the card number on the letter and it does not match the one on my IVA, so cannot be my account with them. All the letter says is to appoint Robinson Way on their behalf and give me bank details to pay. I have no contact numbers to dispute this, how do I get this sorted? Any help is appreciated. I should add I posted this as after a google search it lead me to these forums and after reading a few posts it seems these people are dodgy to deal with. I am contacting all the credit reference agencies and am going to dispute it with them. How else should I proceed as I don't want to be chased for this debt that is not mine.
  10. Hi Just received 2nd county court Claim form, within 2 days of each other, have another thread running for first one. Its from County Court Business Centre Northampton from the above claimants for an old Barclaycard debt that goes back to early 90's that was passed to MKDP and then Hoist Portfolio Holdings 2 Ltd, the debt collectors managing it are Robinson Way. The claim was issued on 04/03 The POC is as follows: The Claim is for the sum of £4710 in respect of monies owing under an Agreement with the account no. XXXXXXXXXXXXXXXX pursuant to The consumer credit Act 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claimant claims 1. The sum of £4710 2. Interest pursuant to s69 of the County court Act 1984 at a rate of 8.00percent from the 24/06/10 to the date hereof 2076 is the sum of £2143 3. Future interest accruing at the daily rate of £1 .03 4. Costs Total Claim over £7363 I sent barclaycard a CCA Request few years back but only ever received their T&C. I have gone on mcol and done a AOS with defend all. I have also sent CPR31.14 to Cohen and CCA to hoist. Any further advice much appreciated, i assume i need to file a defence with 28 days is there any advice / links on best way to word it ?
  11. Hi all, I have received a claim form today from HPH2 in respect of a Barclaycard CC. I am approx 2 or 3 months off the statute barred date - what does make this more interesting is that I received a letter dated 01/02/2016 stating that there was a CCJ and that I hadn't honoured it - From Robinson Way - the account #'s match the claim form - I checked as far as I can under several addresses and I'm 99% sure there is no CCJ outstanding. here is the details: Name of the Claimant ? Hoist Portfolio Holding 2 LTD Date of issue – 15 Mar 2016 + 19 days ( 5 day for service + 14 days to acknowledge) = 02 Apr 2016 + 14 days to submit defence = 16 April 2016 (Saturday, so I assume Fri 15th) (33 days in total) - What is the claim for – the reason they have issued the claim? 1.This claim is for the sum of £6930.94 in respect of monies owing under an Agreement with the account number xxxxx pursuant to The Consumer Credit Act 1974 (CCA) The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. 3.The Claimant Claims 1) The sum of £6930.94 2) Interest pursuant to s69 of the country court act 1984 at a rate of 8 percent from the 24/02/2011 to the date hereof 1842[sic] is the sum of £ 2798.18 3) Future interest accruing at the daily rate of £2.42 4) Costs What is the value of the claim? £10239.12 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Barclays Credit Card When did you enter into the original agreement before or after 2007? 13/10/2009 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. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Unknown/Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Personal circumstances (partner died leaving me a single parent) What was the date of your last payment? May 2010 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Can't remember but I think not So, plan of action - 1) Acknowledge claim MCOL 2) CCA to HPH2 and CPR31.14 to Howard Cohen & Co 3) Panic - I'm stressed to death about this and seriously considering chucking the towel in here and declaring bankruptcy (I have some other debts that are crippling me also - I would think c. 25-30k Can any kind CAGger help please? If they can't produce the CCA is that my defence - I am trawling all the threads that seem relevant, and feeling somewhat despondent Thanks all in advance BT
  12. Hi, I received a claim form from HPH2 for a Barclaycard debt of 2002 for £7476. I sent MKDD two CCA requests but no reply and now the HPH2 has issued the claim. I have two questions which I hope you guys could help me with. 1. Can the HPH2 enforce a credit card agreement which was taken out in 2002? 2. They are claiming interest, if they are successful, then is the interest COMPOUND, or Simple? Thanks
  13. Hello, I'm writing about a Credit Card account, opened in the mid 90s and defaulted in 2011. The default shows up twice on Noodle and Equifax but not at all on Experian. One entry has HSBC as the creditor, the other entry has MKDP Llp as the creditor. The entries show the same amount but have different account numbers (the card's account number changed at some point). They also have different default dates. The first thing I would like to find out is how to get one of these entries removed, it looks as if there are 2 different accounts which isn't fair. Secondly, Robinson Way have recently sent a letter to an address I'm linked to asking me to setup a payment plan (for the amount owed on the Credit Card), no minimum payment required. I've never heard from them before and they've not sent anything to my current address (I've lived here for over a decade, it's the address associated with the account and I'm on the electoral roll). I want to arrange for any more letters to be sent back to them, marked with 'Not known at this address' and wait for them to contact me at my address before deciding what to do next - does this sound sensible? Thanks for any help.
  14. http://www.credittoday.co.uk/article/17468/online-news/santander-returns-to-debt-sale-rbs-to-stay-out what a laugh... The transaction has only been undertaken following extensive due diligence to ensure that the customers are treated appropriately and provided all possible assistance to repay what they owe. We will closely monitor the accounts and Hoist’s performance.” they obv don't know robbersway very well then. dx
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