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    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • 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.    
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pdwhelan

CDF (Career Development Finance) not showing on my credit report

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I signed up for Train 4 Trade Skills early 2011 and they used CDF to pay for the course, I am in the process of trying to cancel the course and the payments ands maybe get a refund... thats a different matter to what I want to know in this thread.

 

I checked my credit report and there is no evidence of CDF or Train 4 Trade Skills on it. Now what I want to know: If I cancel the monthy standing order, CDF chase me for the money and probably go to a DCA, will it then be applied to my credit file? also what could happen if I just refuse to pay?

 

A CCJ from many years ago has recently been removed from my file and I am 6 months away from having the last default removed, so my main concern here is making sure my credit file doesn't get tarnished again.

 

Any help will greatly be appreciated.

 

Many thanks

 

Paul

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Which credit reference agency did you use???


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Sorry I forgot to mention this, I used the site checkmyfile.com. So they use equifax, callcredit and experian. I also requested a seperate experian report before I used checkmyfile and there is nothing about CDF on any of them.

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Sorry I forgot to mention this, I used the site checkmyfile.com. So they use equifax, callcredit and experian. I also requested a seperate experian report before I used checkmyfile and there is nothing about CDF on any of them.

 

The trouble with sites that garner data from other sites it may well already be out of date by the time you see it.


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But the finance/loan was taken out almost 2 years ago, so there would be something about it on my file, surely?

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Get a ''proper'' credit report from Equifax and or Experian I have often wondered is ''selectivity'' is used on the data supplied to these general agncies.


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By 'proper' do you mean pay £2 for one? Thats what I did on the web form and they sent me a letter with a password to download my report.

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Yes that will do it is important to have a report with ''1st hand information for your own peace of mind.


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Well I have this and I have also just requested one from equifax which also has nothing relating to any CDF. so could you give me any idea as to why this CDF isn't reported on my file?

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I can only think that this company may only report if there is a problem, utility companies do this for example.


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I cancelled the standing order, so I guess I'll find out soon enough.

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Yes that should spark some interest from them.


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I cancelled the standing order, so I guess I'll find out soon enough.

 

Hi, I am in the same position, how did this play out for you?

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With reference to CDF I can hereby inform you ( as this has just happened to me and I took the Trade4Skills plumbing Course back 6 years ago now here comes the interesting part )1 week before the 6 year dead line before the debt can be eradicated due to the time scale, I received a letter from County Courts Northampton to say that Cabot Financial was applying for a CCJ on behalf of Career Development Finance, this didn't help me as I had just moved house when this came about, needless to say that when I checked my credit report with Noodles.co.uk there was indeed a default from Cabot Financial quoting my IP********* (account number issued by CDF) and now it also has a CCJ followed by same number, and there is nothing I can do about, the best bit is I never even got as far as starting the first module in the plumbing course, I went to Chessington for the interview at Trade4Skills and got no further than that yet I got stung for £3630, so the story is you wont see anything there for another 3 years yet then it will just appear

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With reference to CDF I can hereby inform you ( as this has just happened to me and I took the Trade4Skills plumbing Course back 6 years ago now here comes the interesting part )1 week before the 6 year dead line before the debt can be eradicated due to the time scale, I received a letter from County Courts Northampton to say that Cabot Financial was applying for a CCJ on behalf of Career Development Finance, this didn't help me as I had just moved house when this came about, needless to say that when I checked my credit report with Noodles.co.uk there was indeed a default from Cabot Financial quoting my IP********* (account number issued by CDF) and now it also has a CCJ followed by same number, and there is nothing I can do about, the best bit is I never even got as far as starting the first module in the plumbing course, I went to Chessington for the interview at Trade4Skills and got no further than that yet I got stung for £3630, so the story is you wont see anything there for another 3 years yet then it will just appear

Are you sure Cabot were acting on behalf of CCF, they are a debt purchaser?

Did try to do anything about the CCJ?


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