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    • 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.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
    • where did you buy the necklace? Might you have a bank statement or credit card bill showing it? (almost no one uses cash now!)
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Almostdebtfree

Ruthbridge - HSBC debt

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Hi,

 

I'm new to this forum but I have been reading some of the threads. I just want to make sure I get this right.

 

I received a letter from ruthbridge last week saying they have traced me through my credit file. No details of debt just please contact us. I haven't after reading some of the threads on here. Today I have received a second letter, regarding an old HSBC debt of £3539.35, and if i dont contact them they will recommend to their clients to get a ccj. I believe this was an old joint account credit card me and my now husband had. We were living away, both being paid well and living in where we worked so very little rent, so a debt we could afford at the time. Anyway circumstances changed and we came home and stupidly ignored the debt.

 

I have checked my credit report with creditexpert and I have nothing on my credit history. I believe I stopped communicating about 2005/2006 but cannot be 100% sure the last time I contacted them. Obviously if it is about this time the debt would be statue barred but if it's just after since we are only in 2012 so may just still be valid.

 

What should I do?

Should I do nothing?

Should I contact them asking about the debt? But then I'm not sure if these companies lie to make you start paying old debts.

 

Thanks in advance.

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Hi Welcome to Cag,

 

Ok if a debt reaches Ruthbridge it's either without paperwork to back it up or nearly statute barred or already SB>.

As it does not appear on CRA files it is more than 6 years since the account was defaulted and the reason for the default is usually up to 5 months before the default date my guess is this is SB.

We see a rash of these debts from |Ruthbridge just before Christmas most years.

 

So send the following to The Data Controller

Ruthbridge Ltd by recorded delivery.

 

Send the following letter, IT DOES NOT ACKNOWLDGE THE DEBT OR RESET THE CLOCK.

 

Ref: as on their letter.

 

Dear sir,

 

I refer to your letter dated xx xx xxxx in which you claim to be acting for xxxxxxx in regard to a debt for £xxxx please take note I do not acknowledge any debt to you or your client.

 

I have researched my credit history in relation to this allged debt and have concluded that any such debt is statute barred, I will not therefore make any payment or offer of payment now or in the future in relation to the allged debt.

 

I am fully aware of the OFT Guidance 2003 updated 2011 and November 2012 and the sections regarding the pursuit of statute barred debt.

 

I must remind you that if you refute the status of the allged debt the onus of proof that the debt exisits and is not statute barred lies entirely on Ruthbridge Ltd and not on me.

 

This letter is not an admission of any liability to Ruthbridge Ltd or your client.


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

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Ok, I presume as per previous posts not to sign it just type name?

 

Will they just stop sending letters or will they answer?

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Typed name anonymous squiggle!!

 

99 time ot of 100 Never heard from again!


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:

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Ok brilliant, thanks everso much for your help. I'll comeback if they do reply with something.

 

Thanks again

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Oops, just realised I've replied on my friends name. Sorry she was showing me the site and I didn't realise she had logged back in.

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OK no problem.


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:

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