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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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Littlewoods you should be ashamed!!! **resolved**

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Hello,

 

I'm new here and found this forum and extracts about littlewoods, which interested me to the point I had to read more, so I joined.

 

I'm having a nightmare with littlewoods, someone on here had the same prob as me..

 

I ordered a table and chairs in good faith.

Less than 10 days after I got it, the leg was wobbly on the table,

so I called littlewoods and said I wasn't happy with the quality of the table and the leg was loose.

 

I asked them to take the table back,

they refused saying that under the sale of good act, I had to accept a visit for the table to be looked at,

unknowledgable I said well I will let the chap come to inspect, so they would take the table back.

 

The chap came weeks later, I left him writing and taking pictures,

I rushed back into the diningroom on hearing a strange noise,

he was firing staples into the table leg joint.

He has used screws that where not suitable for the table,

all being odd and not matching each other,

the screws can be felt on the otherside of the wood as they are too long.

The chap left

 

I rang littlewoods saying I was unhappy with the repair and that I never authorized a repair, they tricked me..

 

They told me they had a right to repair and I was keeping the table and chairs,

 

i have since found further probs with the table

all three sides of the table top has split and a peice of wood has sheered off,

 

to bring to a close a long story,

 

I have had another inspection from their choice of company

and he said to me that the rable us unfit fir purpose,

its fallen apart and to leave it to him,

he laughed when i told how much littlewoods want.

 

I have had to email, call and send registered letter to littlewoods and I still can't get an answer from them,

they are sending me debt letters now,

 

I gave sent mail to experian outlining what's happening.

 

Littlewoods debt line have only given me until 24th Jan to sort this put or pay all in full.

 

The table is unfit for purpose and falling apart,

I even offered to buy a different table and chairs but they refused s

aying I had to have another one of the same.

 

The table has an inherent manufacturing fault,

 

why would I take another one!!

I have been trying to resolve this since October, if littlewoods don't reply to recorded letters how am I to resolve this before 24 th Jan? I'm now sending recorded mail to three heads of littlewoods...... See how i get on later,I'm prepared to ho to court, I'm not paying for fsty unfit fir purpose goods... Days after receiving the goods. Littlewoods you should be ashamed!!! Your customer service is non exsistent!

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Hello and Welcome,

 

I've started a new thread for you, please continue to post here regarding this issue.

 

Thanks,

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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get them uder SOGA

 

they dhold have refund immediately.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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I you notified them within 7 days of receiving the goods, under the Distance Selling Regulations they should have taken it back and not fobbed you off with an excuse! SOGA is still your best bet and probably time to contact your local trading Standards.

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get them uder SOGA

 

they dhold have refund immediately.

 

dx

 

Hello what's SOGA it was about 10 days before I complained

Helen

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I you notified them within 7 days of receiving the goods, under the Distance Selling Regulations they should have taken it back and not fobbed you off with an excuse! SOGA is still your best bet and probably time to contact your local trading Standards.

I can't believe I'm being put through all this, littlewoods told me under the SOGA ( know what it is now) they had the right to repair, refusing to take the table back. I have written today to 3 of the heads at littlewoods in Liverpool, I'm getting debt letters from them!! How dare they, the don't even reply to my registered letters.

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WRONG

 

its before 28days

 

if you look in there cat it says that too i'm sure.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I'm a happy person today!!

 

Yesterday I received a telephone call from littlewoods customer care dept ( didn't know they had one, from my experiences)

 

They are taking the table BACK!!!!! Whoop!!!

 

I just hope that they didn't put anything on my credit report, I will check!

 

I would like to thank the guy who, on this web site put the addresses of chief executives on here..

 

. I sent 3 registered letters and within hours of my letters being received, after three months of hell!!!

 

Debt letters, rude people I got the result I was entitled to.

 

Also thank you fie your support people!!!

 

 

The chap who posted the names and addresses gave me hope!!

 

It worked.

Thanks

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great result

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Great result. I am having problems with them so will look for the details of the Chief Executive as you mentioned. Can you assist with the location of the info for the Chief Exec?

Edited by lisa1301
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