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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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

My friend has received a 4th letter from RLP

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Evening all.

 

Here's a brief summary of the situation.

 

On January 29th 2013 my friend got caught shoplifting some batteries and a sandwich from Wilkinsons. They had never done anything like this before and had never been in trouble with the police. The police were called by security, and my friend was offered Restorative Justice, which they accepted, and were not charged and told they would not have a police record. They were also banned from the store for 12 months. There was no mention of RLP at this point, in fact my friend has since told me they had never heard of them?

 

Then they received the following letter:

 

[ATTACH=CONFIG]45013[/ATTACH]

 

The first thing they did was Google RLP, found this website, and after reading many threads decided to follow the general advice and ignore it.

 

Then, a month later, a second letter arrived:

 

[ATTACH=CONFIG]45014[/ATTACH]

 

Again, they ignored it.

 

(They had received a third letter, which unfortunately has been lost.)

 

Then, today, a fourth letter arrived:

 

[ATTACH=CONFIG]45012[/ATTACH]

 

So now my friend has asked me to post a thread on here, as a diary of events if not anything else, and hopefully someone can put their mind at rest?

Edited by bobjimwilly

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RLp will threaten everything, including holding your cat to ransom. Ignore them. Jackie loves to send letter after letter with ever increasing threats. She even says in one that CAG is under police investigation.... Yea, she wishes CAG was.

 

That alone should tell you that this woman has serious mental issues that she needs to get help with.


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..

 

 

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Nothing in the letters that hasn't been seen before.

 

How interesting that Jackie seeks to make you feel grateful that the amount being claimed is only a fraction of the 'real' cost of the incident,

yet nowhere does she actually quantify the speculative figures given,

nor does she acknowledge that the lion's share of whatever is recovered goes directly into RLP's coffers and her own pocket.

 

Also interesting that on the last occasion that one of their clients was daft enough to go through with a properly contested court case,

RLP and their client were royally spanked on the issue of claiming amounts which bore no relevance whatsoever to the actual cost of the incident

- which is precisely what they have to do at the first hurdle in order to succeed in any claim.

 

The Oxford case will surely have made any client of RLP extremely wary of litigation and the likely loss of reputation and the further destruction of this particular business model,

backed as it is by fear and threats of spurious legal action.

 

Two options.

Continue to ignore,

 

or send a simple denial of any liability to RLP or their client.

 

No frills, just let them know that you have no intention of paying.

 

The net result will be the same regardless

- more letters, and almost certainly a scary red inked note from their retained debt collector, trying to intimidate you into paying a 'debt' which does not exist.


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There might be some slight advantage to have previously sent the one-line denial of liability to RLP when they refer their "claim" to a DCA

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If the letters were printed on softer, quilted paper they might have a purpose.


Ash.

 

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Like it. RLP toilet paper. Supplied with the sh*t slready on it!


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My friends received a 5th letter recently and sent me the attached scan. Should they be getting worried yet? :???:

 

[ATTACH=CONFIG]45589[/ATTACH]

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My friends received a 5th letter recently and sent me the attached scan. Should they be getting worried yet? :???:

 

[ATTACH=CONFIG]45589[/ATTACH]

 

My understanding is no, your friend should not be concerned.


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Is that the one where Jackie states not to believe cag.


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..

 

 

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Attachments sorted :-)


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Sorry Imp, I didn't notice they were pending approval :(


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It's ok. Just had a quick skim and it's laughable at best. It's just what people thought. She thinks she is the law. I mean come on.. "In the absence of settlement, or defence"? A defence against what? Her stupidity and ego?

 

Good to see she's still hiding behind a PO box and a premium number too.


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..

 

 

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I like the 'You Are Required...' bit.

 

Required by whom? I suppose that this means that RLP require you to let them know whether it is worth wasting a tenner or so in getting Snotcall to write to you in the hope that the words Debt and Collector fill you with sufficient shame to part with money for Jackie's holiday fund.

 

All the letter is saying is that they will get a scary debt collector to write to you - maybe even in red ink - to make the same demand that you have already declined to pay. The 'undisputed' bit is a vain attempt to legitimise the fact that any DCA chasing a debt which is disputed or in this case, where no such debt exists other than in RLP's warped mind, is operating in breach of their licence.


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Evening all,

 

Received another letter from my friend today. This time it's from BPO Collections, giving them 7 days to pay the £89.50 "outstanding liability".

 

It's quite surreal; even though they know they don't have to pay these people, it still makes them feel uneasy receiving a letter from a "collections" company. :!:

 

[ATTACH=CONFIG]46519[/ATTACH]

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Tell them simply that any liability is denied, there is no debt and a formal complaint is being sent to the OFT about them chasing a non existant debt. They are very easily shooed away.


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

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A little later than usual this month, but my friend received another, longer letter recently. It seems RLP have read this thread and are slightly annoyed.

 

They also mention that my friend was offered Resorative Justice on the "basis of the civil action being satisfied". My friend is positive there was no mention of any civil action being taken by Wilkinson, not by the police or the security staff. In fact he assures me he was told by the police that would be the end of the matter. And he certainly hadn't heard of RLP or civil recovery before receiving a letter from them, so they must have been misinformed (or they are simply making it up?)

 

Anyhow, as always, if you have any comments on this latest letter please contribute to the thread.

 

Many thanks.

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Aww. Poor jackies getting more desperate. Time to ignore her once and for all. Just remember, we have concrete proof that she will say ANYTHING to get people to pay up. And i mean absolutely ANYTHING.

 

The letters do make a good read though, and can make good substitute toilet paper.


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

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That is one of RLP's most absurd letters - so far. Still getting under someone's skin, are we? It must be be very annoying for one with such delusions of grandeur to always be the monkey to the retailer's organ grinder.

 

bobjimwilly, your friend can be reassured that nothing has changed; RLP still cannot bring a court action, and the retailer is most unlikely to. He can, of course, choose whether to believe the 'nonsense' on the internet (all of which has proved correct), or the nonsense in RLP's letters, which has been shown to be empty threats and bullying drivel.

 

The offer of restorative justice is in no way linked to RLP's 'civil action', and cannot be. Unless, perhaps, RLP have some sort of influence with the police, which would be entirely illegal and is likely to exist only in RLP's fevered and rather lurid imagination.

 

I see that RLP continue the pretence that they are involved in crime reduction; what utter nonsense. RLP is a commercial company whose only purpose is making profit. If RLP were genuinely involved in crime reduction, they would be bankrupt in no time if they were any good at it, since no crime equals no money for RLP. Far from the crime-busting agency it pretends to be, RLP is just a small company operating out of a grubby back street in Nottingham.

 

Incidentally, where someone chooses to seek advice is entirely a matter for them.

 

I remain convinced that these letters are much more about the personality of their author than they are about any imaginary claim for damages. I can read you like a book, and the book is DSM IV...

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That is a classic! Complete balls but nevertheless a classic.


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oh let us pray.......

 

the great god RLP has allowed in their infinite wisdom and power to allow a criminal matter to be resolved by Restorative Justice....

 

what the hell is restorative justice....

 

who is the great god that has decided that them fleecing someone for their own profit is justice....urm....

 

dx


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what the hell is restorative justice....

 

 

http://www.restorativejustice.org.uk/what_is_restorative_justice/

 

No mention of paying money to a third party with no connection whatsoever to the criminal justice system. Sometimes restorative justice can involve returning something that was stolen, but it never includes paying a penalty or costs not imposed by a court.

 

As with a police caution, FPN or any other criminal action, the matter has been dealt with by the appropriate authority.

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“We also advise that our telephone lines are not premium lines. Further, we use a PO Box address in order to secure the health and safety of our staff. This is particularly important as we receive regular threats of violence and death, largely as a result of your “advisers” malicious campaign on the internet”.

 

Umm, surely this is libellous?

 

I see they are still suggesting they have some link to ACPO as well ??


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Read Here

4: Staying Calm About Debt

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wonder to whom they refer when they say..

 

"The fact that some people of limited intelligence or lacking knowledge do not seem to understand this"

 

Are they not obliged by Companies House to have a proper Registered address on their letter heads ?


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just doing a check on RLP and their registered addy is in London

 

RETAIL LOSS PREVENTION LIMITED

UNIT/OFFICE 36

88-90 HATTON GARDEN

LONDON

UNITED KINGDOM

EC1N 8PN

 

However, if you do a google maps on the post code EC1 8PN it shows that 88-90 Hatton Gardens are a block of offices which look (to me) like serviced offices. Notably, the one name that is visible is Hatton Garden Safe Deposit Ltd.

I can't see RLP needing a safe deposit box

 

http://companycheck.co.uk/company/04802733


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