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    • 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.    
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OPC fine in Flat parking - Got 7 Tickets

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Hi All Experts,

 

Recently I moved to new property (Flat). My flat got one allocated parking space in basement, locked compound.

 

Just after moving to new property, I went on holiday for about 20 days – when I came back I saw about 7 parking tickets, 2 of them were on windscreen while others are found on ground. I was not sure why I got ticket as I parked my car in my allocated parking space. I send email to OPC people and explain this this but they reply with saying that you have to display valid parking permit - they also want me to pay 100 for all tickets as 14 days were already passed ( I was on holiday for that time)

 

I explain to them that "I was on holiday (out of UK, can send you passport entry as evidence on request) that’s why few tickets are passed 14 days period and if I know about this, I moved my car somewhere else or get in touch with you soon to prove that parking space is allocated to me." but they are keep replying that you have to pay fine as valid permit was not displayed.

 

At last they were agree on paying 3 ticket with £100 fine at they were late and cancel other 4 tickets.

 

I am not sure what to do - In flat basement I can see message saying parking is controlled by OPC. Uploaded for your references.

 

Please help me guys - I can't afford to pay that much.

 

Thanks you in Advance!!

OPC_Message.jpg

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Don't pay! It is not a fine, and they cannot enforce their ticket and just want £100 off you. Only your landlord could take you to court for this and that is not going to happen. OPC will carry on writing to you, but you have already told them that this is YOUR allocated parking space, and that you were out of the country anyway - do not contact them further, ignore the demands and they will eventually stop.


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IGNORE

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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This is a space which is allocated to you in the lease you have on your flat and OPC propose to restrict your "peaceful enjoyment" of it? I suggest that you write immediately to your landlord/managing agent and point out to them that OPC's conduct represents a breach of the terms of your lease and as their agent they are jointly and severally liable.

 

Oh, and the unenforceable invoices should be ignored. If you would like to read how OPC have been dealt with elsewhere in a similar situation have a read through this very long thread (Ingress Park) - Click Here

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Thanks for all advice...

 

What make me uncomfortable is: Our basement parking got big message board saying parking lot controlled by OPC - I attached image for your references.

 

OPC_Message.jpg

 

My contract mentioned that includes one car pass, I didn't know about that until I got tickets and asked to my agent. I also shaw that all cars in car park got parking pass displayed.

 

Is notice board in parking lot and car pass make OPC's case strong ? and I will end up in paying 700+ court fees??

 

Thanks,

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Thanks for all advice...

 

What make me uncomfortable is: Our basement parking got big message board saying parking lot controlled by OPC - I attached image for your references.

 

[ATTACH=CONFIG]37992[/ATTACH]

 

My contract mentioned that includes one car pass, I didn't know about that until I got tickets and asked to my agent. I also shaw that all cars in car park got parking pass displayed.

 

Is notice board in parking lot and car pass make OPC's case strong ? and I will end up in paying 700+ court fees??

 

Thanks,

 

no they can do nothing

 

but get that pass if you can

 

i suggest you read this forum!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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I already got the parking pass and I also read few post here as well but generally all are about parking in visitor space and don't have any sign about parking restriction but where I am living got big sign just after you enter into parking space - I attached that in previous post.

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