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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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

Unrefunded unauthorised direct debits

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On 12th September 2012 two unauthorised direct debits came out of our Lloyds business account for £183.60 each (total £367.20) going to a company with which we have no agreement.

 

We found out about this in December when completing our vat return and phoned Lloyds on 12th of December to notify them.

 

We were informed on the phone that the payments would be recredited to our account and the direct debit cancelled and that this was being actioned immediately. Job done.

 

We phoned back, just to be on the safe side, spoke to another member staff who confirmed that action was being taken,

and enquired if we should cancel the direct debits manually via the online control panel.

They were non-committal and said that we could if we wanted to. We did.

 

Upon checking the account again on January 15th we noticed that no credits had been made to refund these funds.

There is no contact email or messaging service via the online facility and so we were forced to telephone Lloyds once again.

 

We explained the situation once again and asked them to check on the status of the refund.

 

We were then told that the refund had been "actioned" on January 11th and that the funds should appear within 3-5 working days of that date.

 

We complained that we were informed on December 12th that the funds would be recredited to our account immediately.

They responded that as it was an indemnity claim going back some months that it takes longer to process.

 

Whilst renegotiating our overdraft facility on January 16th, another extended phone call, we enquired as to the status of the refund again.

After a lengthy explanation we were told that it had indeed been actioned and that it would take 3-5 days.

No explanations were forthcoming regarding the assurances given on December 12th that the refund would be made immediately.

 

When asked for a reference we were told that this was unavailable.

When asked to be referred to a supervisor we were repeatedly told that one was unavailable.

When asked for a email address for the complaints department I was told there was none.

 

When asked for an address for the complaints department we were told that they did not have one.

 

We were told that a complaint could be raised by them but no reference could be given.

 

We agreed to the complaint being raised and were asked to ......... please hold.

 

More than 10 mins later and back on the line we were told that a complaint had been raised and "would we accept £50 for the trouble?".

 

We replied that, no, we would not accept the pay off as we had no information from them whatsoever regarding the refund

and obviously could not now rely on information given over the phone as this had proved to be incorrect previously.

 

We asked again to speak to a supervisor, or at least to the person who had authorised the £50 pay off, but were told that they were unavailable.

 

We asked for the contact details of the Banking Ombudsman and were told that they did not have one and maybe we should look on Google.

 

After a great degree of cajoling, and threatening to take the issue to the Banking Ombudsman,

we were then, very reluctantly, given a reference number for the "indemnity claim", a "complaint reference", a "team manager's" name

and the address where the staff member was situated. We were still refused any contact info for the complaints department.

 

The whole phone call took 1 hour and 15 mins.

 

As far as we can see Lloyds bank have conducted unauthorised borrowing of £367.20 from our account for over 30 days.

 

Are we within our rights to demand the interest due at the current Lloyds unauthorised business borrowing rate,

together with the original sum plus expenses for the time and inconvenience caused.

 

Also ... surely Lloyds bank (as with any on-line business) cannot refuse to provide an email complaints contact address.

 

This wall of misinformation and timewasting is incredibly frustrating.

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if it WAs a DD and ir WAS

 

under the DD guarantee they should have reversed it within 12hrs!!

 

 

i know you've prob heard it from them all before

 

no we cant etc etc

 

the DD guarantee is INSTANT no quibble thats what it is there for!!

and they MUST refund any costs/charges you have incurred too as a result.

 

you should seek compensation as well

 

there is a complaints tab on the lloyds website

 

hit them with that too.

 

dx


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Thanks dx100uk - errr.... I can't find any complaints tab on the Lloyds website - where is it?? I'm trying to get a formal complaint off to them but can't find an email address or message form anywhere !!

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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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bugger you beat me mike!!

 

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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Cheers guys - just found the online complaints form - very well hidden indeed. Fired off a complaint and request for compensation and immediate refund.

 

Will let you know any progress.

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My advice to you, from person experience, would be go in to your branch and ask to see the manager and only the manager. Tell him exactly whats happened. They will sort it for you.

 

The frontline staff (as I call them) are clueless and again, from previous experience, cannot even use the in house system properly. They're sending you in circles.


I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Thanks Noddy.

 

I have sent my complaint via the on line form (twice) but have not recieved any email confirmations !! I am not convinced the online form is working. My 'absolute' promised phone call and refund for Thursday am has not happened (predictably). So feeling a tad ignorded.

 

Happy weekend.

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Thanks Noddy.

 

I have sent my complaint via the on line form (twice) but have not recieved any email confirmations !! I am not convinced the online form is working. My 'absolute' promised phone call and refund for Thursday am has not happened (predictably). So feeling a tad ignorded.

 

Happy weekend.

 

They're absolutely gimmicks mate. I dont know how Lloyds work, the complaints might be sent abroad (a county where Enlgish isn't even a first language) then might be referred back to the UK if its considered important, in the complaints form people might just leave a negative feedback/comment so rather than pay UK staff at the local rate they may people peanuts in India to flick through complaints.

 

With me, HSBC put a default on my credit file which shoiuldnt have been there and instructed debt collectors to still collect the amount from me. When I went to HSBC the little frontline idiots couldnt find any information on their own system so I always had arguments with the debt collectors disputing that am not liable.

 

When some months went by and I tried getting a mortgage I couldnt because my credit score failed as it was "poor" due to the default. I was about to give up and let 6 years go by... but no I thought that is a long time. Went in, and asked for the manager. The frontline clowns asked me "why, whats it about" I said "I cannot discuss it with you, I need to speak to the manager its urgent and cannot discuss it with you" (this shut him up, as I was already annoyed with the whole fiasco). The manager popped down, spent 30mins on the computer infront of me found the details and said "you are right there shouldn't be a default on your credit file". He phoned up the relevant department and he was told "the default will be removed within 5/7 days". And that was the case. He even wrote me a letter explaining everything, which I am using to sue them now. A few times after that I had different debt collectors harass me, and I went into the branch again and he again told them to back off.


I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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