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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. 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.   3.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.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   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 ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   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 into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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david1506

blocked bank of scotland business and personal account URGENT HELP!

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hi all am just new to this forum dont know who else to turn to i am 30 years old and from glasgow scotland i have been a -

 

halifax personal customer 25 years

 

bank of scotland business customer 6 years

 

the story so far (27 days no access to funds)

 

 

3rd december 2013 block put on my halifax personal and bank of scotland business account

 

5th december went to pay for fuel at petrol station both cards didnt work.

 

6th december went to local branch they informed me accounts is blocked contacted complaints informed me that i would receive a letter in the post they couldnt give me information on the phone

 

9th december letter received states in letter that my accounts have been blocked due to processing error

 

10-11-12-13-14 december constant calls and branch visits to try get problem resolved to no avail same old excuse processing error and they pass me round different departments like an old scud book and there all really sorry and working on it

 

15th december contact financial ombusm made big complaint about them and told them am in bad situation as this is really effecting my company that i run with 3 employees who i have not been able to pay. informed me can take upto 8 weeks before do anything

 

 

18th december feeling very down all letters from my car, van , insurances all my bills phone, tv,life insurance, mortgages all demanding money off me. called fos again explained the extreme harship this is causing me they said they are going to put a request in to fast track it for me which sounds good to me

 

 

24th december extreme hardship not one pence left to my name borrowed from friends and family to buy food and electricity to get me by

 

30th december sitting in my friends house typing this to ask for everyones help and advise. i have no money for food, electricity,fuel for transport or gas for heating i went from runnin my own electrical contractors company and i have around 40 thousand of my life savings that i worked really hard for in my life tied up between my 2 accounts. went for other visit to halifax branch the man at counter says really sorry can do nothing and he has only seen one similar case where someones account was blocked for 7 months i cant wait that long i will be dead before then im suffering extreme depression and everyone i talk to is just really sorry i need answers and fast im really lost.(HOW CAN BANKS GET AWAY WITH THIS!![ATTACH=CONFIG]48381[/ATTACH][ATTACH=CONFIG]48382[/ATTACH][ATTACH=CONFIG]48383[/ATTACH]) i would appreciate any feedback or advise thanks and god bless.

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Make an appointment to speak to the bank manager. Then be firm with them.


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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PErsonally time to move me thinks!!! I did that today from Barclays because i couldnt take it any longer.


 

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Receptaculum Ignis

 

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Get your original post off to the big bosses marked in bold Complaint to the following by email, do it tonight:

 

davidnicholson@halifax.co.uk

 

Lloyde Banking Group

 

Mr George Culmer - Finance Director - george.culmer@lloydsbanking.com

Mr Paul Gittins - Company Secretary - paul.gittins@lloydsbanking.com

Ms Alison Brittain - Head of Retail Banking - alison.brittain@lloydsbanking.com

Sir Winfried Bischoff - Chairman - winfried.bischoff@lloydsbanking.com

 

I suggest you send it to each email address separately and not address all on the one email. They will probably look at it else and say to themselves - 'let the next man deal with it'.

 

Make a complete list of every penny you are out of pocket by so that you can claim that from the banks with the statutory 8% interest added as a minimum.

 

Is there any reason at all you can think of why this has happened, or what might be the cause.

 

Remove the spaces in the email addresses that this site automatically inserts.

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thanks for support ren spoke to 6 different business managers on the telephone in edinburgh went to branch spoke to branch manager they all just pick up the phone and then tell me same crap blocked account processing error to top it all off a bacs payment went through on the 19th of december for £60.00 i thought account unblocked then tried to use and swallowed my card lol then i called them and they say emmmmm i dont know how that happened what the hell are they playing at i dont trust any bank want to take all my money out dig a hole and hide in there that way is safer all banks are the same just power crazy. i have done nothing wrong no any dodgy transactions or fraud am the straighest legal guy around is so unfair

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also cant move account there more locked up than alcatraz

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