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    • This might be of use Moneybarn getting tolchocked https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html
    • No, no credit card. I had a loan but that was cleared off many years ago.
    • 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.
    • 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?    they've only included a notice of Assignment, is that the same as a deed of assignment? and the only information given as to address is the salford one which is the robinson way address.  
    • 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.
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honeybee13

Credit Unions - an alternative to payday loans / accurate at 22.09.2015

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'Three UK credit unions have won a five star rating for personal loan products from the Fairbanking Foundation. This is the first time the Fairbanking Mark has been awarded to credit unions that serve employees of a specific sector. The Fairbanking Foundation, a not-for-profit research-based charity founded in 2008, operates the certification scheme to encourage banking organisations to improve the financial wellbeing delivered by their products. The mark is granted in three, four or five star versions in five possible categories, based on the level of the financial wellbeing a product delivers....The Hoot Credit Union, the 1st Class Credit Union and the NHS Credit Union have all achieved the highest accolade for their personal loans because they have a “tangible positive impact on customers’ financial wellbeing”.......'

http://www.thenews.coop/105379/news/banking-and-insurance/employee-focused-credit-unions-receive-fairbanking-mark/

  • Haha 1

IMO

:-):rant:

 

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'The Department for Work and Pensions (DWP), one of central government’s largest departments, has launched a credit union for staff – the first credit union scheme for civil servants. Around 85,000 DWP employees will now be able to start automatically saving part of their salary into a credit union savings scheme. DWP has set up a payroll scheme with three of the UK’s leading credit unions – Commsave, Hull & East Yorkshire and Voyager Alliance – which will offer a range of ethical financial services to all DWP employees, including budget support and responsible lending. The move was announced in a speech to the credit union sector in parliament by welfare reform minister, Lord David Freud, who pledged his support for credit unions and encouraged people to join their local credit union to help the industry grow...'

http://www.thenews.coop/107015/news/co-operatives/credit-union-launches-civil-servants/


IMO

:-):rant:

 

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World Credit Union Conference underway in Belfast...

 

http://www.thenews.coop/107319/news/business/world-credit-union-conference-opens/


 
 

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some recent news :)

 

'The Scottish government has given credit unions nearly £200,000 to set up saving schemes in schools to teach children to manage money.

Ten credit unions will share the cash from Junior Savers Schemes to develop existing and new activities with schools in their areas...'

 

http://www.thenews.coop/109782/news/banking-and-insurance/scottish-children-learn-money-saving-habits-200000-credit-union-funding/

 

 

'The Credit Union Awareness Week has been launched by Manchester Credit Union to show workers there is another ethical way to borrow and save....'

https://southmanchesternews.co.uk/south-manchester/manchester-credit-union-launches-debt-campaign/


IMO

:-):rant:

 

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That sounds like a good initiative, Ford. Thank you for the link. :)


Illegitimi non carborundum

 

 

 

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:thumb:

IMO

:-):rant:

 

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