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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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

home repossession and effects on health

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Great thread. This goes out to all, don't worry about what they throw at you, it never stands up! think that your the first of your generation to do your best for your future generations, in 200yrs will any of todays matters be an issue? if anyone has question, thought or worry...please ask, I have a few good tips to help.

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Thank you for your kind words and understanding Ro, its so hard, so sad.

Hope you are all well.

Take care

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Update from me, I have put my case to the FSA, three days before the 3 month break finishes from when Paratus start chasing again - so I can just do a one line letter stating case with FSA and give them the reference no.

 

FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Sorry to hear about the loss of your cat, the loss of a pet can be very hard to take - hope things pick up soon.

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Hi Tuttle,

in 200 years time eh, I'm a family historian and it's of great interest to me what went on 200 years ago I'm one of those strange people who think a step backwards is progress :lol: thank you for the offer of support it's appreciated.

 

xxxxxRo

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Starblackie,

I know you won't feel much like anything at the moment but I just wanted you to know we are thinking about you,

love Ro

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FSA seem to think that giving me a 'rebate' without a breakdown is enough to go by, let alone the problems with getting information out of them, and their blatant lies in the letters they have written.

 

Hi SG,

oh I really wish you well with this one, lies seem to be the done thing with these people and none of them willingly give up information,

 

good luck

Ro

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Got the FSA forms today, going to do a draft before I send them off, have dug out and copied the correspondence, and will do a cover sheet showing where they contradict what they are doing (including immediately taking me to court in one letter) and their statement that they did not repo me, the second charge one did some 6 months BEFORE they took over...haven't had any letter from them yet but have the reference no to pass onto them to shut them up for another 3 months or so.

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i've cleared my nram, today the solicitors sent a CC date, what a bunch of bullies! i'm going to continue the fsa, trading standards and fos route, because of health and family issues that effect people in the UK. Lets put a stop to these tactics, I know that some peoples 2/3 months arrears are alot, but i bet some are next to nothing for struggling familes who can't pay, why is there blanket treatment?

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

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Hi tuttle,

bullying seems to be second nature to these people and I admire you for taking a stand and you are right debt has to rank as one of the most destructive things that a family can have to deal with. I suspect that the blanket treatment dished out to debtors is because of the depersonalization culture we live with, we all end up as numbers so yes fight your corner and remind them that you are a human being and remember that those who are causing such misery have been found to have acted criminally and fraudulently,many people who owe money have either been unlucky or misguided and have not acted criminally. Good luck.

 

Ro

 

indeed, i agree with all you have said, the main issue in the whole country is: the unlucky who own their property and have lost thier jobs, claiming DWP payments on the SMI - have been so pushed in repossessions because the interest rate being paid is less than is charged, the amount is such that after 2yrs and the mortgage help will stop, the shortfall is enough for repossession procedures at the start from that date, shows that this government are truly acting in a way to manipulate the market. The paper for this strategy was written by a university at the time of the coalition came into power, and initiated at that time, so 2yrs on and the repossessions are rife. A total un-caring and out of touch government we are at the mercy of.

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