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Windywoo

Howard Cohen - what's going on??

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I got a card through yesterdays post, delivered 2nd class, small brown window envelope, which says:

 

"Please telephone 0870 751 3010

It is very important"

 

Now, as I have no intention of phoning the number I presume this is a fishing trip?!

 

The bottom of the card says Lewis Group, although you need a magnifying glass, and they're clearly after me for something - I have a fair idea what it is.!!

 

Has anybody else had one of these, and what did they do about it?


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Against OFT rules – a misleading communication which does not properly identify the sender or the nature of the business.

 

So report to the OFT!


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Guest wino

As the Donkey says:-)

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Reported!!:-D


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Well I didn't think it would be long.....!!

 

I've got a letter from Howard Cohen supposedly from Lewis - Notice of Pending Legal Action!!

OK, I presume they are collecting on behalf of Santander ex GE Money. Now I know the agreement is enforceable, I've got a copy, but, there's no DN, NoA, and I know the account is made up 2/3rds charges and PPI is still being added to the account, although I packed up working 3 years ago.

Now, what I thought I would do is pay it, it's just over £300 and then claim the charges and PPI back from Santander, or, do CAGers think I should hang on for court papers - see if they are cosher, and then defend? The potential "costs" are an extra £80. From reading around the forum, it seems that HC cave in fairly quickly!!

Any ideas, please?


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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BTW, had dealings with HC before, with an old Next account. They claimed I had received judgement for a CCJ, and I was supposed to pay £50 per month. I paid the full amount within the 28days only to discover there was no CCJ, and that I had paid their supposed court fees and costs!! Stupid or what????


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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That was their old trick. The SRA investigated and actually accepted it was an ‘admin error’! Unbelievable. Did you do anything about it?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Foolishly I didn't, I wasn't as wise then!!


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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You still can do something about it! Google and you’ll find a thread!


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Following on from my thread about yellow cards, courtesy of our Lewis friends! No sooner had I received that, a letter from Howard Cohen appeared demanding money, and within a week, the old court claim paper had arrived.

 

Now, as this small debt, is made up of charges and PPI, I am going to defend. I've already CPR'd HC, which they signed for, so I know they got it - I've had no other repsonse from them apart from a template letter telling me CC proceedings had begun blah blah.

 

I've got until 6th November to acknowledge which, as I am away for the weekend, I was going to do this morning. When I first received the papers I logged onto MCOL with the claim and password, and there it was - today I've tried to log using the claim and password - it hasn't been recognised! I've tried upteen times with no success! Do you think I should ring Northampton and find out what is going on? I need to get this in by 6th!


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Right, taking no chances, I've emailed the Acknowledgement of service to Northampton.

 

This seems very fishy to me!!:!:


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Right, emailed the acknowledgement of service by email on 4th (got confirmation from Northampton that they had received it). I was hoping to file my defence by 19th November, but I haven't heard a word from HC as regards to my CPR request, they haven't even acknowledged receipt of the letter although I know they signed for it!

 

Reading pt's advice on not doing the embarrassed defence, I am sending an N244 to ask for a court order for HC to produce the paperwork I need for my defence, and for extra time. Does this cost me anything?

Curiously, I was able to access the claim online when I first got it, since I sent them the CPR request, I now can't!!:?:


L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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