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    • I'm just starting to have a look at this A huge amount of what you put is totally unnecessary. Surely we can summarise this into a small enough paragraph to allow it to fit into the basic moneyclaim limit? Also, I don't know where you get the defamation stuff from. Leave it out. It lacks credibility, just complicates your life. Deal with one issue at a time More tomorrow
    • Here are the Particulars of Claim for the OD:   Name of the Claimant ? Hoist finance UK holdings   Date of issue – 05 May 2021   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted>   The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.     The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   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   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   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 has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this CCJ claim).   What was the date of your last payment? 2014   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter a debt management plan? No
    • Also, what is the actual name of this outfit and do they have a website or Facebook page?
    • Thanks for the heads up. Set your diary date for about 15 days and start checking the County Court site from about day 14 and the first moment that you can apply for a judgement, just go ahead. Don't hang around don't muck around just apply
    • Hi, I have read a few to be honest, but I didn't find something that was actually the same to me. Many stories involved 3 parties (i.e. customer got a parcel lost with Hermes as delivery company but bought in Ebay or other), other regarded only the full cover or standard delivery and other had a smaller value (i.e. £100) and they were happy to settle at the mediator point.   I might have missed some and I will look at it now in more details to see If I see something else similar.  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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looks like i might be their next victim..Cash4phones.. :(


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Hi,

 

New to this forum after reading a few posts relating to this company "cash4phones.co.uk".

 

I sent my phone to them last week, recorded delivery and have used royal mail track and trace which shows the phone was received and signed for.

 

Its still early days but the site shows the status as "pack sent to customer" i assume it should by now say "received" or similar. After my paranoid level soared i did a quick google only to find hundreds of complaints in reviews of this company, so, this appears to be the first step in the process of being ripped of by this company so i thought i'd make an official note of the situation here.

 

I've used their contact form online and asked if someone can take a look into the status of my request, as i hear back i'll update on here.

 

phone is a galaxy s3 in spotless condition which they quoted as being worth £185.51

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No - I expect that it had a cracked screen - but you didn't notice!!

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No - I expect that it had a cracked screen - but you didn't notice!!

 

I quite agree. These invisible cracks are everywhere, even on my phone. I can't see it but C4P must have better eyes than mine.

 

You have proof this was delivered so a Letter before action will be needed giving them one chance to pay, say within 14 days, otherwise court action will follow with no further recourse to them

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Yep, i don't doubt it was so massive that rather than see it i'd actually fallen into the crack..... hehehe..

 

 

On a serious note, do i give them a chance to make an offer or wait till they contact me (i assume that might never happen??) or do i start now with the letter?

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The longer you leave it the longer they have the chance to go out of business (which is what I suspect they are planning-no proof, just a gut feeling)

 

I would get that letter off pronto

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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submitted their online contact for 2 days ago and had no response,

it won't let me submit another.

their only other contact method is an email address to their sales dept

 

 

so i've sent one there with the below content.

 

 

will have to post something to them also the old fashioned way.

 

 

after completing the online form and receiving no response within the 48 hours SLA i

’m having to mail at this address as its the only other contact detail on your website.

Can someone please contact me in order to arrange for payment for my phone,

my phone was received by you a week ago, i

t was sent recorded delivery so I

have a signature and name as proof it was received.

however your system shows the status as "pack sent to customer" ,

no one is responding and

after reading the thousands of complaints about your company

i am now concerned that i am another victim of a fraudulent phone recycler. I

f i do not receive a response promptly i will have little choice but to begin county court proceedings to reclaim my losses.

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so i've heard nothing since the last note i sent to them,

 

what do i do next? they haven't contacted me at all, does this kind of mean that the phone has beens stolen by them in any legal sense? if i start proceeding what is my "claim" ?

 

hope you can help! thanks!

Edited by iyuk
typo
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My story is exactly the same. Sent mine off about 2 weeks ago too. I did send them a note asking if they`d received my phone and they said they had and now were looking it over. That was about a week ago. the phone`s perfect, so i too (after finding this forum) am getting worried. thing is, I really needed that money too.

 

I normally always check these things first, but I sent an old phone away 2 years ago and had no probs (not with this company I should add). I thought it would be the same here.

 

I`ll watching how this story goes. Might write a letter too.

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  • 5 weeks later...

got worse....

 

After sending an email to threaten court action i got an offer and it showed on their site as pending payment, so i thought i'd wait a week and see if i got it. went back on there yesterday to find their site is down and there's rumours all over the net that the police and trading standards are after them but they're "hiding"

 

what can i do? worth contacting the police?

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Have you contacted Action fraud yet?

 

Another CAGger contacted Companies House about C4P (yemonia now)

 

See HERE

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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as it happens i've just completed the online submission a few minutes ago!

 

let see what happens, i'll keep this thread updated in case its of help to anyone else.

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Terrible company, they will be out of business before the next financial year.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Oh no,it happens to me as well. I have received a confirmation email on 28th November that they are going to check my phone. In the meantime I have sent a couple email querying the phone and there are no reply. When I tried to contact them the site is always down. What shall I do as I don't have the contact number.

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Oh no,it happens to me as well. I have received a confirmation email on 28th November that they are going to check my phone. In the meantime I have sent a couple email querying the phone and there are no reply. When I tried to contact them the site is always down. What shall I do as I don't have the contact number.

 

Hi Ishields,

 

You have sent the following complaint to Consumer Action Group, admin.. I think you might have meant for it to go to Cash4phones. Sadly we are unable to pass on your complaint.

 

Cash4phones, what happen with my phone and it has been now over a month and I haven't heard anything from 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.

 

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So now it will be down to the individuals to take their own legal action in order to recover their loss, the consumer loses out again,

terrible way to do business, unless your the CEO and directors...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are a victim, please do retweet the link or add it to your facebook pages.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

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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