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    • Thanks. Name of the Claimant ? Hoist Finance UK Holdings 1 Li   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 30 Jan 2020 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - Acknowledged 17th Feb ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Their Wording on the CCBC claim minus details is...   The claim is for the sum of....arising from the defendant's breach of a regulated CCA referenced under no ............ The Defendant has failed to remedy the breach in accordance with a Default notice issued pursuant to ss,687(1) and 88 of the CCAct  1974.   The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from HPH2Ltd (Ex Barclaycard}. Written notice of the assignment has been given. The Claimant claims. 1.The Sum of.... 2.Costs What is the total value of the claim?    £3171   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Not that I know of   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Creditcard debt   When did you enter into the original agreement before or after April 2007 ? After, it says 15/04/2008 on Experian. So could be statute barred ?   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes says they took it on 6th May 2015    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. Debt purchaser Hoist I think but it says for Barclays ?   Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably I don't really look at the letters from those companies but there are lots.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure   Why did you cease payments? Never started payments   What was the date of your last payment? n/a   Was there a dispute with the original creditor that remains unresolved? no just my inability to pay   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Possibly with banks but not this as its credit card and no account related.
    • ok so I checked the statements and the £36 is technically incorrect as they implemented a payment plan in the April where they froze everything and I had to pay £12 from the next month on which showed on the May statement.  They applied my £12 payment to the April statement so they said I missed may june July i.e. 3 payments which wasn't right so the default statement is incorrect. the witness statement is incorrect the statement pages he refers to are not the ones that appertain to the default notice.   Also am I right in saying that the reference to robinson way as a creditor is incorrect as they are just a debt collection agency.  And should I have had a default notice off Hoist as well as the one from barclaycard?   
    • Waitrose rep  will do nothing is most likely, get back on to them, ask for someone senior and at the same time find the email address for the CEO and email him/her.   You want a firm 'we will instruct our employed parking company to stop pursuing you as the keeper sir'   Get names and make records, record the call if you can.
    • Still nothing in the post, over nine weeks now since the deadline for producing my "formal defence". Getting slightly worried that something's gone amiss and I'm half expecting a CCJ in the post.  I have twice tried to phone the court and have been no.36 in the queue and just now no.44 in the queue.  I thought contacting the tax office was bad.  How are we supposed to get help or find out info if this is the way our court system works?
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swanleyboy

No full payment to WDA but did direct to bank now no contact

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Basicallly:

 

Owe £777 to WDA. Emailed about 5 days before the repayment date saying that I was going to unable to repay full amount, sent I & E form and waited a day. Nothing. So resent email and waited a day and again nothing. It was on day of repayment so had cancelled the DD and cancelled card and CCA.

 

Sent £50 direct to their bank, emailed them saying I had done so and will be sending this amount every month (this was amount I had offered in repayment).

 

Had one standard email saying missed payment but nothing else - no phone calls or emails.

 

Should I be worried or should I leave it? Not willing to call.

 

Many thanks

 

Swanleyboy

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MAKE SURE THE CARD IS CLASSED AS LOST OR STOLEN

 

They can still force through a payment on the last 4 digits of your old card otherwise, even if the old card had been cancelled

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Have done this but still worried about the no contact. Find it a bit odd. No arrangement has been set but I paid £50 off it as i had outlined in my proposal to them.

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I advised WDA 2 weeks ago that I could not afford the repayments and that I had cancelled my CPA with the bank and requested that they do the same. I received an email last week agreeing to my repayment plan. I made the first payment last week. I didn't have any problems setting it up with them, which surprised me. Im wondering in view of the recent publicity, that they are trying to clean up their act.

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That's interesting. How much do you owe and the repayment? I owe £777 and offered £50 per month.

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I owed £200 for the loan+ £59 interest. They agreed to not adding any further interest or charges. I am paying £25 per month.

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I emailed collections@wagedayadvance.co.uk. I received confirmation from a Elliot Sheppard. Ive kept all the emails I have sent and received. 4 so far have agreed to repayment plans, just waiting for the others who are not playing ball

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Just so you all know a week after I sent an original email (21st)l i got an email from Elliot Sheppard also agreeing the repayment suggestion of £50 for £777 with a review in 3 months.

Surprised to be honest but confused why the huge delay with an occasional email.

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I got an email from him last week agreeing to my repayment plan. I honestly thought I was going to have problems with them after I had heard horror stories. Maybe they are cleaning up their act after all the bad publicity about PDLs

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Hello All,

I am trying to sort a relatives finances out for them and I was wandering if everyone/posters who has a re-payment plan with WDA has had any further problems with WDA and them accepting and continuing with the arrangement.

Also if someone could post up the contact and WDA bank details to set up a standing order.

 

"EXEMPLO DUCEMUS"

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Hi JGJ,

 

I had no problem with WageDayAdvance to have my repayment plan accepted and I paid by standing order to their bank account. However, every month 2 days before payday they setup a new DirectDebit for the whole amount (which I cancelled every month 1 day before payday).

 

Their bank account details are:

 

WageDayAdvance

Account number: 90931772

Sort code: 20-45-14


24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Thank you very much for the info PDLVictim, do you have the Bank name??

 

"EXEMPLO DUCEMUS"

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swanleyboy,

 

Thank you very much, it is appreciated.

 

"EXEMPLO DUCEMUS"

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