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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
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thanks for that.still havent heard anything yet,how about you gizmo111.gettting a bit sick of waiting,but nothing i can do i suppose

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thanks for that.still havent heard anything yet,how about you gizmo111.gettting a bit sick of waiting,but nothing i can do i suppose

 

Yeah I am getting a bit fed up now - 28 days is the 24th for me so I am expecting to hear in week - I wouldn't be as lucky for them to not issue a defence!


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The 28 days were up for the natwest on friday but i still havent heard anything.What am i supposed to do now.Have you heard anything yet gizmo.

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The 28 days were up for the NatWest on friday but i still havent heard anything.What am i supposed to do now.Have you heard anything yet gizmo.

 

I haven't heard a thing - but haven't had todays post yet. I guess this is the point where you go to court and ask for judgement - if you issued MCOL you can do it on line.


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I haven't heard a thing - but haven't had todays post yet. I guess this is the point where you go to court and ask for judgement - if you issued MCOL you can do it on line.

 

Nothing in todays post - this is so frustrating.


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i havent had anything today either.does anyone know what i am supposed to do next.

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the 28 days for the reply from the solicitors were up on friday and i still havent heard anything.does anyone know what i am supposed to do next.do i leave it til the end of the week or enter judgement against them.

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i havent had anything today either.does anyone know what i am supposed to do next.

 

apply for judgement


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just before i apply for the judgement i just waqnt to check.is it the 28 days from when it was issued to the bank or 28 days from when they acknowledged it.

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well the 28 days are up for that today.so wot now

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I found this matter a little confusing,when I read my acknowledgement from the court it says, the defendant has 28 days from the date of service of the claim form with particulars of claim.

I read this to mean from the date the court served particulars of claim on the bank, am I wrong then?, would really like to be sure about this because the bank filed two acknowledgements, one dated 10th august, the other dated 17th august.

if it is from when the court served the papers on the bank, the time will be up on monday 4th september


CHRIS WATKINS

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i think it is the time from when the courts served the papers.the 28 days are now up on mine and i have had no reply so will be applying for judgement today.Does anyone know what happens after that.as i havent seen anyone else that has had to do this.

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i think it is the time from when the courts served the papers.the 28 days are now up on mine and i have had no reply so will be applying for judgement today.Does anyone know what happens after that.as i havent seen anyone else that has had to do this.

 

You send the baliffs in - My 28 days are up tomorrow so I will be applying for judgement Friday.


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i have just tried to enter judgement against the bank and it wont let me it said i cant enter judgement yet.why not

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i have just tried to enter judgement against the bank and it wont let me it said i cant enter judgement yet.why not

 

Is this MCOL - what is the date of acknowledgement on there


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it was acknowledged on 25/07 so the 28 days are still up from that date.ill try again today if there is nothing in the post today.have you heard anything yet gizmo

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its normally 28 days from when they acknowledged it.

 

It's 28 days from the day the claim was started. 14 if they don't acknowledge.


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it was acknowledged on 25/07 so the 28 days are still up from that date.ill try again today if there is nothing in the post today.have you heard anything yet gizmo

 

No I haven't - my 28 days is up today - ack on 27th can't understand why you can't get judgement, have you spoke to court cos my calculations make your 28 days up 2 days ago - so you should have been able to get a judgement yesterday.


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im gonna try again this morning if there is nothing in the post today from them.if i can do it and then i hear from them what do i do about the judgement.

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just been onto mcol.they have filed a defence.they are disputing all the money owed to me.it said i will be notified of the court it will be transferred to.im worried now.what should i do

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just been onto mcol.they have filed a defence.they are disputing all the money owed to me.it said i will be notified of the court it will be transferred to.im worried now.what should i do

 

Wait now for a/q. When did they file defence?


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dont be worried mine said they were defending on 17th, still have not heard anything from them or court, seems its par for the course


CHRIS WATKINS

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