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    • looks om to me  let andyotch check it over due by Friday 4pm.   any paperwork you hold , you keep to yourself! its for the fleecers to provide it all again now. but gives you something to compare their copy n paste too..   as for the assignment Hoist whatever is all the same DCA group, simply using diff names. nothing to do with cap1.  
    • a client is equally responsible for the actions of their dogs.    
    • Could someone review the defence I have prepared please?   please note I have got a copy of an old default notice from 2007, but have asked them to provide me with a copy, does this need to be taken into account on my defence statement? I don't have a copy of an assignment notice from Cap One to HPH2, just one from HPH2 to HFUH2L, but was HPH2 Cap One? If I have these 2 documents, but no original agreement can I still use this as a defence?    1. This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 2. 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. 3. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). 4. Written notice of the assignment has been given. 5. The Claimant claims 1. The sum of 294  2. Costs   Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2. Paragraph 1 is noted and it is accepted insofar that I have had financial dealings with Capital One Bank (Europe) Plc in the past, but I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant. On the 27th November 2019 (both sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request to Howard Cohen and Co. Solicitors and a Section 78 request to the Claimant Hoist Finance UK Holdings 2 Ltd to gain further details. Both have been signed for as received but the claimant has yet to comply.   3. Paragraph 2 is denied I am unaware of any service of a valid Default Notice pursuant to the consumer credit Act 1974   4. Paragraph 3 I am unaware of any alleged legal assignment or Notice of Assignment from the Claimant.   5. It is therefore denied the Defendant owing any monies to the Claimant, the Claimant must provide evidence of assignment/balance/breach requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence the nature of the breach and service of a valid default notice; (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   Thanks, Molly,  
    • read the letter it says our client...   everything else is explained in that other thread or any CLI thread gere . use our search..   a dca IS NOT A BAILIFF
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mr.ton

Cheekiness towards a DCA

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It does though doesn't it:D:D


<<<If I have helped please tickle the scales;-)<<<

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Well.....:eek: He's just a very happy cat :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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See, now look here Mr Ton....cat's were my thing......I have changed mine to get away from cats :p

 

Changed it back.....anything you can do etc., etc.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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@Goldlady.....I will come to the next p!$$ up if it is anywhere near the north east! Any excuse for a cheeky glass or two!

 

Last one was at the new Mexican place near the Empire Theatre. Is that close enough?:D


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Oh, that is so close, it is within sniffing distance! Keep me informed and I will be there (work permitting of course, although I could always be "ill" :D)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Fuzzybobble has rights on gingerbread men as avatars.......ooooo don't you dare Mr Ton :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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You know i have a cheeky attitude ;)

 

You have? I'll look for proof of that. Be back in a few days with the results :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Might change it again & use a gingerbread man :p

 

I thought you would have a "Gingerbread Person" That's what you used to tell me they were anyway. :D

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum


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Oh dear it looks like Ron is throwing the toys out of the pram over on his personal forum aka Crudit Toady

 

CREDIT MANAGER

Ron Bidwell

 

Posts: 39

Joined: 24 Jan 08

08 January 2009 10:57 Reply

Quite right Yvonne. This person is using this forumn to attempt to get over a personal message. Everything this person writes is a dig at our profession. Shame they cant do it under their own name, instead of the cowardly manner used here. Who votes to eliminate this user ?

 

I do ! Bogus names are not respected on here. Just pay your debt.

 

Cowardly manner and just pay your debts. Now where have we heard this sort of pontificating before:rolleyes:

 

Ron should be thankful that anyone is even bothered to post on his Borefest Forum

 

 

What a bloody yawnathon lol!!

 

At the end of the day it's all quite simple really, if they keep their paperwork in the correct manner, they will have nothing to moan about. Unfortunately they like to try to pull the wool over people's eyes with lies, threats, abuse etc.

 

I'm fortunate that I don't owe any money, but as my girlfriend and my mother do and I am now on the case for them, these companies are gonna be a little less fortunate in the new year :D


Which DCA should we bring down first?

 

Answers on a postcard :D

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Phone rings:

 

Me: Hello

Collect Direct: Could I speak to a Miss x x xx x x

Me: Nope, she's not hear at the moment

Collect Direct: Could you tell me when she will be back?

Me: No, I'm sorry I can't, can you tell me who is calling please?

Collect Direct: It's a Mrs xxxx xxxx, I am phoning to do her a favour

Me: A favour? Ooooh, are you phoning to arrange the delivery of the Ferrari I know she has got me for my birthday?

Collect Direct: Sorry.....? A Ferrari?

Me: Yes, one of those big shiny red cars, they are very nice.

Collect Direct: No sir, I am not phoning in relation to that.

Me: Are you coming to repair the helicoptor she got for me with her lottery winnings last year?

Collect Direct: Helicoptor sir?

Me: Yes, one of those fabulous flying machines with spinny bits on it

Collect Direct: No sir, do you have any other number I can contact her on please

Me: I certainly do (gives out mobile number of local pizza parlour).

Me: You will have to ask for her by her 'stage name' though as they don't know her by her given name.

Collect Direct: Certainly sir, what is that?

Me: Marguerita Olive

Collect Direct: Thank you for your time

Me: You're most welcome and if you are coming to replace the speedboat can you make it before 3 p.m. as we like to go to the casino in the evenings. Thanks.

 

Click.

 

These people are fun.

  • Haha 2

Which DCA should we bring down first?

 

Answers on a postcard :D

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All the folks in the office want to know what Im giggling about.

 

Fantastic

 

Notts


As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Who votes to elliminate Mr Bidwell then?

 

Dont all rush to vote at once :D

 

 

Yes, lets eliminate him!

 

I am so upset at not being allowed to play on their message boards. Whatever will I do with my time......

 

Ah, that's it.........CCA requests!!


Which DCA should we bring down first?

 

Answers on a postcard :D

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You'd think they would be grateful for some human life on their dull lifeless forum - seems not to be the case.

They get 1 or 2 posts on their per day if lucky.

Anyone would think they lived in fear or something? :D;)

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Oh i gotta know which message board it is to check out the moralistic %%%% that some people spout... pm me and let me know where to look pleaze


muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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The credit today forum....make sure you dont fall asleep too quickly whilst looking at it :rolleyes:

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Neddie Seagoon has joined CT.

Edited by nioclik

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John Jones made a post on there before as well :eek: (;))

 

Their site is being invaded by Caggers seemingly :D

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A.jpgThats all I get on Crudit Today IMG%5Dindex.cfm

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3365 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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