Jump to content


hoist/cohen CCJ - evans store card


Please note that this topic has not had any new posts for the last 2466 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I sometimes wonder what an earth these people think they are doing.

 

Background first:

Wife had a store card with Evans,

I was out of work for a while and card was low priority so was not paid.

 

Evans got stroppy, then passed debt to Lewis Group.

 

Eventually, Howard Cohen obtained a CCJ.

 

I was ill at the time and they did their usual opposing my wife's defence on the day before the hearing.

We only got their letter on the day the hearing had already taken place.

 

The CCJ has sat there for a number of years.

We tried to get it set aside, I can't recall just what happened but it wasn't allowed.

 

Cohen have sent an annual statement ever since and that's all.

The original debt was only a fraction of the amount they claimed,

that much I do remember, and was made up mainly of lots charges my wife had objected to.

 

Now, out of the blue, she has two letters

- one with Hoist and CL Finance on the heading, the other with Robinson Way,

same signature on both, both in same envelope.

 

First says that CL Finance (part of Lewis) has assigned all rights to Hoist.

They confirm that Cohen have been instructed in this mater on behalf of Hoist,

but to make payment to Robbers Way.

 

I know that 'Howard Cohen' is a Leeds solicitor who just hires out his name to Lewis Group

to put a legal-looking stamp on their activities.

 

I had the mis-fortune to work at their Cleckheaton offices at one time,

but got out when I realised what their trade was.

 

Back then, 'Cohen' was just another little office down the corridor,

attached to the same computer system but had a printer loaded with Cohen headed paper.

The guys in there just filled envelopes and sent them out.

 

all that aside - if a CCJ was obtained by Cohen (aka lewis)

- how can that be assigned to Robbers Way/Hoist ?

I know Lewis have 'gone' since being taken over.

 

My first thought is to continue ignoring them,

although I realise that a CCJ will not expire under the statute barred time limits.

A CCJ can't just be assigned like this can it ?

 

I'm now registered disabled and therefore on allowances and virtually housebound.

We are not in a position to pay these people anyway.

 

Another thought is to go back to Evans and do a SAR, get details of the inflated charges

they applied to her account (pre OFT £12 max rules)

and make a claim on that,

then IF we manage to get any joy out of that,

to offer it back directly to Evans as F&F.

 

Any thoughts anyone ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites
  • 1 month later...

Query - We thought Evans, in the days when the wife had their store cards, were GE Capital.

 

Looking around for an address to write to for a SAR we're finding they now use Santander.

I think she dealt with Leeds but don't seem to be able to find a current address.

 

We've identified no less than 4 old accounts, all paid off, that we've traced back to GE Capital,

one of which was First National.

 

As the account that went into default and gained a CCJ was also an Evans card,

with charges disputed but not remedied long before court action,

we would hope to see some info about this if we SAR

and ask for details on all accounts my wife had ever held with them ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites

what shows on her credit file?

 

if nowt shows, nowt to pay?

 

as for the charges , outside of 6yrs

very diff process

 

as for PPI

 

as soon as you hit the name GE, you hit a brickwall.

 

you could try an SAR to satans bank mind

 

but GE are still going too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
what shows on her credit file?

As mentioned in #1, Cohen got a CCJ for the delinquent account :( She had disputed the charges but Cohen still went ahead with court.

 

We'll try a SAR, the question was on where to send it as Evans Store Cards are now with Santander but hers were GE.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites

might be a ccj, but does the debt itself have a listing...no matter.

 

i'd send it to satans bank

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 1 month later...

We sent a SAR to GE Capital in Leeds, the last info we had on several old Evans accounts, many of which had been paid off with consolidation loans in the past, hence our multi-barrel attack on many finance companies in recent weeks :-)

 

Santander have responded to say they are dealing with it and we should get the requested information within 40 days of them receiving the request. Whenever that was... I'm sure it's 40+2 days from when we sent it.

 

Looking forward to another great pile of statements and documents to go through... Several will be paid-up accounts so I'll be looking for unlawful charges and PPI, the one that ended up with the CCJ was one I had little to do with. I didn't like the idea of getting another store card after we'd paid precious ones off, I don't think I knew she had it until there were problems... I'll see what the paperwork reveals.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites
  • dx100uk changed the title to hoist/cohen CCJ - evans store card
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...