Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   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 Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   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 ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   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 management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2791 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

Recommended Posts

Have sent several PPI claims to FOS in September / October of last year and received correspondence saying it would be 12 months before hearing anything so I put it out of my head till then.

 

But I received the latest newsletter and saw the article about the 64k offer (well done ! ) and when I read the thread it said that he had put the claim in to the FOS in late Jan and had a reply in June; so of course I am now wondering what is happening with my claim ?

 

Can anyone give me an idea of actual timelines for FOS decisions for real claims rather than FOS estimates ..............

 

Thanks

GS

Share this post


Link to post
Share on other sites

It's a lottery sadly.

 

Have you done any chasing up with them?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Depends on their work load and how quickly a company

responds to the FOS enquiries.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

HI - thanks for the quick reply - no I haven't chased at all - took them at their word that it would take that long; received a couple of holding letters - I will dig out the file tonight and perhaps do some chasing tomorrow.

 

Waiting to here from these in the hope that I will get enough to pay off my overdraft with the bank if need be and then I can go after the bank loan I had a few years ago - don;t want to do anything before in case they withdraw the facility ! I know they shouldn't .........................

 

Hi Brig - how are you hope you and the family are well :-)

GS

Share this post


Link to post
Share on other sites

You could ask for an update.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

i found calling fos really easy . usually some one will give u a status of where your at , good luck

Share this post


Link to post
Share on other sites

My PPI complaint with Barclaycard went to FOS last September. I hadn't received any update letters since January this year, so just emailed them last week asking for an update. They told me that they had received all the information they needed from Barclays and were just waiting to allocate an assessor to my case. So I just keep my fngers crossed now for a positive outcome. Hopefully, your situation is the same.

Share this post


Link to post
Share on other sites

Thank you for all your replies ..............

 

Have got all the files with me and will ring them later on

 

GS

Share this post


Link to post
Share on other sites

Hello all

 

Have phoned and all the claims are in the process of things being looked at : further paperwork has been received from the various organisations. One appears to be ready to be assesed but is waitng to be allocated;

 

They said that one has been allocated to a specialist team as the underwriters were not members of ? at the time ............................does anyone have any idea what that means ? This one goes back to 1998 with a Debenhams Store card PPI.

 

I am not holding out much hope for any of them to be honest - my luck is not that good.....my partner and I sent oout exactly the same letter to MBNA - he got an immediate offer; I got refused !!

 

Thanks

gs

Share this post


Link to post
Share on other sites

the old store card saga rears its ugly head again!! Like many of us with store cards the response that the ppi we paid on them is not covered because of the type of credit licence and that the underwriters of the ppi policy shpould be approached , ,My Laura Ashley card falls under this, My understanding id that FOS are looking at a trial case against the underwriters of these policies to see if PPI can be recovered ths way,Sit back and think of England SIR as i fear we are in for a long wait for resolution ,,,,,,,,,,, if at all !

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...