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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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Renniesa

Please help quick quid refusing to give me their bank account details

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Hi this is my first post

Quick quid are being unhelpful

I want to pay back via bank transfer

They refuse prepaid card refuse standing order

What should I do

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Hello there.

 

You've posted in the forum about CAG itself, so I'll move your thread to the Quick Quid forum where the guys should be able to help. I'll leave a short term redirect here for you.

 

My best, HB


Illegitimi non carborundum

 

 

 

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You write to them and ask again, tell them in no uncertain terms, 'no bank details means no payments'. Also you can add 'your continual refusal to cooperate can only be seen as an attempt to increase the outstanding balance by adding charges and or interest, none of which I will pay'.

 

Don't ever talk to them on the phone unless you can record the call and send letters by recorded delivery so you have proof of your attempts to resolve this.

 

You must take control of this Rennie and not let them dictate to you.

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Thank you but they send generated reply to call

I want to pay back afraid if give bank details they will empty account

I got into this mess but want to pay via bank transfer

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That is what I mean by 'you' taking charge. Tell them in the letter that you will not respond to any phone calls and that all correspondence must be in writing.

 

It matters not that they just send generated responses, that is their problem. Keep all correspondence to and from them. How much is outstanding by the way ?

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£1517

Original loan £1000

They keep adding interest

I want to pay back via 6 payments I feel so embarrassed and shame

To be in this situation

I am addressing my debts and committed to payback but need control

They are so unhelpful

All I want to do is payback via bank transfer on the 2 nd of the month

I'm suffering with mental health problems but am on the road to recovery

Your site is a guiding soothing light for people like me

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Please don't feel embarrassed or ashamed, you really aren't alone in this. These companies just take advantage of your situation, rub their hands in glee and bump up the charges.

 

Are you sure you can afford £252 per month? If that is pushing you to the limit, then make it lower and more affordable. If you have a chequebook, you could send them a cheque each month instead of bank transfer.

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They don't accept personal cheque

Yes I want rid of the debt

I can do overtime to pay

Thank you

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I can see you want rid of the debt, and you are willing to do overtime to make these payments, but that is the weakpoint of it. Say the overtime dries up meaning you fail to send the payment amount you promised. When you make an offer of payment, you should be sure you can continue that agreement without missing a payment, which is why you need to be certain that you can reliably afford that amount.

 

If you say you can make xx payments and then have to miss one, that will give them the upper hand again.

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Th ebig mistake is that you told them it was a prepaid card. They will not accept it because they know they wont be able to keep on debiting it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Your advice is helpful should I keep asking to pay via bank transfer?

I used the link found on previous post to euro net and sent money to it

Quick quid said they did not give out these bank details and should not use it again

My bank are getting my payment back from cash euro net as quick quid said it is not there details to QQ

I just want their account details to pay back via standing order or transfer

A bankers cheque is £15 a postal order £12

I don't know what else to do

I just want to pay it back

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You could get the prepaid card and tell them you are willing to pay using that. DOnt tell them its a prepaid card, and if they refuse to accept it, remind them of their legal obligations under their credit licence. Specifically no creditor in the UK is allowed to refuse a form of legal tender towards a debt.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They won't want you to have their account details as it probably isn't a UK bank! even if they did accept cheques, you should never send one as your sort code and account number are on them and they could use those details to set up a direct debit to raid your account.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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They do have a UK bank ell-enn, however they only use it to send out money to UK "clients". They dont check it for incoming amounts. It's basically just a redirection account. They send money from the US to the UK bank, then the UK account sends it to you. The excessive "loan transfer fee" that they charge all people who borrow from them is the banks international transfer fee, plus a nice profit on top for QQ.

 

As everyone knows, it doesnt cost them a single penny to transfer money from a UK account to another Uk account.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

I tried to pay my debt with a prepaid card today

They refused to accept it said it came up on their system as a credit card

I asked for their bank details they refused and refused a direct bank transfer

I don't know what I should do now dare not allow them

Direct debit details in case empty my account

I have finally taken control of my debts

But QQ refuse to allow me to pay today

The first instalment

Totally tired with trying to pay

What do I do now please

Emails waste of time just get standard reply

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remind them of their obligations under OFT guidance on debt collection where they are NOT allowed to refuse a valid form of legal tender.

 

I still find it funny they said you cant use a prepaid card, and dont give a reason ( we all know why though), then now they say its a credit card....


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Send them a postal order with the amount you can afford and enclose a letter saying that as you refuse to give me any other means by which to pay you, all payments will be done by Postal Order. The fee for the Postal Orders and postage costs 'will' be deducted from the outstanding balance. Send it by recorded delivery.

  • Haha 1

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Thats actually a very good idea conniff!


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Don't forget to put your name and address on the back of the postal order. Take a photocopy of both the front and back of the postal order and keep it with a copy of the letter you send. Do this each time you send one so you have proof of payments.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you so much postal order ace idea !!

I will try that

Thank you all for helping me gain peace of mind today .

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PS Postal Orders need to go to their payment address in Sheffield. DONT send it to their correspondence address in London as i found out the hard way i sent it to the wrong address and it took bang on 8 weeks for it to be credited to my account

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Standing Order Details for QQ:

 

CASHEURONETUK

Sort code:20-19-90,

Account number: 03759830

 

Reference: Your loan reference number....

 

 

Looks like a Barclays Bank.

 

I ve used these details quite alot.

 

Once you make a payment, allow a few working days for them to update their systems and then get confirmation that have received the payment.

If you wanted to test it however, just send 1p or 2p and try it...thats what i did as i wasnt sure if these were real but they are, i promise x

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Standing Order Details for QQ:

 

CASHEURONETUK

Sort code:20-19-90,

Account number: 03759830

 

Reference: Your loan reference number....

 

 

Looks like a Barclays Bank.

 

I ve used these details quite alot.

 

Once you make a payment, allow a few working days for them to update their systems and then get confirmation that have received the payment.

If you wanted to test it however, just send 1p or 2p and try it...thats what i did as i wasnt sure if these were real but they are, i promise x

?

 

Is this definitely there bank details?

 

Is this legit

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2440 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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