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    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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 CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
    • I suspect the judge is giving you the opportunity to change [should your wish] anything in your initial defence now that the claimant has played their hand. it doesn't say witness statement but formal defence.   dx  
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Gay_guy1986

Jobseekers diary

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Morning Everyone!

 

This morning I sign on at 10.45am however I filled in my Jobseekers dairy and since I signed on last fortnight I have applyed for 14 Jobs and I written them down in my dairy, will that be ok? or could Jobcentre send my Jobseekers to a decision Maker?

 

I only heard back from 1 by email as I apply by jobs by email (sending my cv attached) and It states in the email that I have been Unsuccessful, I am trying to get a job but not a lot of Jobs in the last past week.

 

Any advice would be great thank you. :-)

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Morning Everyone!

 

 

 

This morning I sign on at 10.45am however I filled in my Jobseekers dairy and since I signed on last fortnight I have applyed for 14 Jobs and I written them down in my dairy, will that be ok? or could Jobcentre send my Jobseekers to a decision Maker?

 

 

 

I only heard back from 1 by email as I apply by jobs by email (sending my cv attached) and It states in the email that I have been Unsuccessful, I am trying to get a job but not a lot of Jobs in the last past week.

 

 

 

Any advice would be great thank you. smile.gif

 

 

 

Hi that it's tons . They only look for about 7-8 things in the book you will not have a prob !

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Probably just lulling you into a false sense of security:biggrin:

 

Only joking - nice to hear something positive for a change.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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As long as you are meeting the minimum requirements as per you job seekers agreement then there wouldn't be a problem but if you are given any vacancies to apply for then make sure you do :)

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Hi Flumps1976,

 

Oh yeah I deffo going to apply for the jobs what they give me as I don't want my jsa sanctioned but at the moment I have not had any jobs from them yet, Just my advicer at the work programme which I applyed for them!

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If you attend work programme then you are only supposed to see the signing team at the JCP, all advisory support is to be provided by which ever provider you have been allocated to.

You adviser at Work Programme will set up an action plan with you which replaces the Job Seekers Agreement and that is what you are supposed to follow, the signing team are there to check that you are meeting at least the minimum requirements and weekly activities, but they can refer to an adviser if there any doubts that arise and the work programme will refer to dma if they have any doubts over your job seeking activities.

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Since a few months ago Jobcentre is now checking everyone JSA Dairy even though people still getting help from the work programme, when I signed on this morning a notice was on the desk stating this:

 

Warning to people who are on the work programme, when you attend for your signing on day please make sure you bring your dairy with you to your appointments and to show proof of what you done to activity seeking work, if you fail to provide this your benefits will be suspended!

 

Looks like the goverment is really getting tough now

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Looks like they are wanting some excuse to sanction

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Not heard that before. When I was signing on and was on the work programme, I was just asked if there were any changes (starting work, etc) that would affect my JSA.

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Since the the new sanction regime started on 22nd October the emphasis has been put back to the customer to show evidence of their jobsearch at every adviser appointment or signing intervention. This is ready for the intoduction of Universal Job Match on the 19th November.

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Out of interest if there were no jobs to be 'universally matched' to then what would happen?

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Universal jobmatch isn't just about matching to jobs, it will log every time you log on to the account to help prove that you are actively seeking as per te Job Seekers Agreement, and it will also show what jobs have been applied for via the account, so if a vacancy is matched and not applied for it will show up immediately!

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Wow that sounds like its going to be a great tool for sanctions, but wait isnt the jobs already listed a bit erm, out of date, inaccurate or just not suitable? Wonder how the system is going to work , waiting tables listed on job advert turns out to be a strip joint for example?

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Wow that sounds like its going to be a great tool for sanctions, but wait isnt the jobs already listed a bit erm, out of date, inaccurate or just not suitable? Wonder how the system is going to work , waiting tables listed on job advert turns out to be a strip joint for example?

 

If anyone gets matched with a job at a strip joint, I urge them to do something I would not normally recommend: contact the Daily Mail.


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The idea that all politicians lie is music to the ears of the most egregious liars.

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nice answer antone...but do you honestly think that daily mail readers will much care? they are all for getting the 'scrounging ****' into any work that is available, even if it is odious or unsuitable

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As a Daily Mail reader (only because I can red arrow the plonkers who get in a tiz about things) I have even applied for a job on that paper.

 

I find having to do things under the threat of sanctions very draconian and very counter productive.

 

As I posted on a couple of threads myself and a friend sat and came up with a string of jobs to apply for which we would never be shortlisted for, let alone have the experience of.

 

Currently on the Reed jobsite there are jobs advertising £22-50,000 a year being Mystery Shoppers or making money from Facebook/other online media. When you click on that it takes you to another website where it wants your bank details - a big no-no for most people, and those that do enter them here may find that they have money taken - nothing so far has been reported but the Jobcentre locally sent out a warning about entering bank details on job applications.

 

Fair enough to make sure people are applying for 'real' vacancies with a 'real' chance of employment but NOT to 'make them suffer for the money' which seems to be the newer way of looking at benefits - forgetting the origin of the word - from Latin bene - meaning for the good of everyone.

 

Benefits now has become a battleground for the moral minority and the moralistically motivated majority who think they can 'change the world to their way of thinking'.

 

Well, for the moralistically motivated majority one day you will be in need and who will then listen to you? The Big Society is not working on the level Cameron and his mates wanted, and come the next General Election the 'middle classes' will react accordingly, the only things I can find in Cameron's favour is that he is beginning to cut foreign aid to countries who are clearly sorting themselves out, and he does not seem to be a war-mongerer.

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the only thing I can find in camerons favour, is the fact that i hope he gets a hiding to nothing at the next GE....however, whoever, or whatever we replace these 'born to rule' fools with I cannot see anything changing for the better...the labour party now seems to be a centre to slight left leaning of the Conservative party, whilst the libdems who have sold this nation down the river by siding with the Cons will never be trusted again, after persuading the young vote by promising 'no tuition fee rise' then going back on that has left them unelectable for generations...so the only thing we are left with to put our cross against are the smaller parties such as UKIP or Greens..neither of which fill me with any confidence..the future looks bleaker by the day!!

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