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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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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.
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davidoneman

Rway discount on GE PayPal Credit card ive been paying £1PCM for years

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Hi this is my first post so sorry if its in wrong place.

 

any help would be appreciated.

 

hi is this the right one

 

Hi could someone please help i have a copy of my credit agreement but need to know if its enforcable or not it doesnt have my signature on ?

many thanks for any help.

 

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Hi,

Ideally we could do with seeing it. If you can post it up minus any personal details that will help.

 

In the meantime, does the agreement have:

 

The APR

A credit limit or a statement saying one will be set

Repayment terms

 

And how old is the agreement (when did you first take it out)


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Am I right in thinking this was taken out online?

 

I still think this may need a signature rather than a printed name


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I have seen online agreements that have a tick in a box which makes it enforceable but with yours, they are asking for a signature so I would think this one is an online one but they then send an agreement for you to sign.

 

It's a difficult one this because lots credit card companies are sending out reconstructions of agreements which leave out certain info (and legally too) because they are either too lazy to go find the original or they don't have it.

 

Without a signature, a court would not be able to enforce it

 

I know that this doesn't help much.

 

Have you tried to SAR them? Just in case, here is the link:

The Consumer Forums - Debt collectors

Letter 11

 

A SAR should get back everything they have including your agreement. If it is the same as above then it's a good bet they don't have your signature.

 

There is also the legal route:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Hold fire for more advice. It is a bit quiet at weekends


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Hi this is what i sent them -

 

[CCA template removed - dx]

 

thanks for the help so far :)

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Hi just looking over some of my debt ,

 

 

i had a credit card with paypal which was opened online

 

 

now it got sold to cl finance which i pay a small amount every month ,

 

 

looking at my credit file from equifax

ive noticed it says the account defaulted on 02/2009 ,

 

 

i have just recieved the default notice from cl finance which is dated 14 th december 2009 meaning that it had been defaulted before i got the notice ,

does this make it unenforcable in court ?

many thanks for the help

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nope

 

just a paperwork error

 

dx


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hi

ive got a couple of old debts with robinson way ,

one a old credit card

and a old loan ,

 

i sent off cca's years ago and they both had a signed agreement ,

ive been paying £1 a month for the last 4 years or so ,

 

today i got a letter from robinson way saying they are prepaired to accept a lower payment

 

the debt is £3200 they are wanting £700 .

 

I am thinking of sending them a letter offering £200

but was wodering if there is a template to use for making full and final offer .

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there is but why offer a discount?

bet theres more to be had by sending an sar to the OC and reclaiming.

 

 

shame you kept blindly paying

who said the CCA returns were enforceable?

 

 

dx


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Hi i sent the cca to the oc years ago and posted it on here , i had 5 £12 fees on the account . Thats why i paid the £1 a month , i havnt claimed the £60 .

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then must be worth lots more now if they've been charging interest.

what is the debt and who was the OC?

 

 

lets go find your old threads.

 

 

dx


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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

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i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well

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i have another account with robinson , it was for a old a&l loan and they have a signed agreement as well

 

 

start a new thread for that one please


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hi this is the old thread , it was a old paypal credit card done online . ive just looked theres only 4 late payments of £12 not 5 . the interest was stopped in 2009 when i got into a bit of trouble .

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230969-Help-needed-Enforcable-or-not&p=2559180#post2559180

 

 

who are Rways client, hoist/HPH2 ?


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I just abbreviated it

post 19 & 20 please


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well ge money that's now satans bank

 

 

anyway

 

 

post 19 and 20 please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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i will start a new thread for the other one , and it was sold to cl finance .

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yes we know that about cl

 

 

when was the last time you send a cca request?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Send a new CCA request to rways client


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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