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    • Interestingly I've just had another alert on my Clear Score report:   Upcoming Updates A new credit or store card will be added to your January report. Organisation Name: BAIA0090 Account Number: ****9048 Company Type: finance house What does this mean? This could mean that you’ve recently opened a new account, or it might be because a lender has just shared some information relating to an old account. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. If you apply for credit now, lenders will see this update on your Equifax credit report. Now, this looks very much as if Hoist have taken my agreement off and transferred it to whoever BAIA0090 are.  I've not seen any new notice of assignement or anything.  
    • Sorry i am Not putting details in here.This bank i did have an account with in 1993.That is the last time i used them. I am going to let them ccj me. I am not going to even think about this any more.My bin will get the letters and my door will be ignored. Thank you for the interest but i will waste these #Ankers time for another 6 odd years while i get my mind right All the best
    • Particulars of Claim (for Reference - not to be submitted with defence)   What is the claim for – the reason they have issued the claim? 1.The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no xxxxxxxxxxxx   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. The Claimant claims 1.The sum of £2792 2. Costs Defence   1.The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied. Whilst I have had dealings with Barclaycard  in the past I cannot recall the specifics of the alleged agreement.   4. Paragraph 2 is denied .I have no knowledge of who the claimant is nor have I been provided with any Notice of Assignment pursuant to the Law of Property Act 1925.   5.Paragraph 3  is denied.I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim .   6. It is denied that any amounts are due under any agreement.   7. On receipt of this claim I requested information pertaining to this claim from Howard Cohen & Co Solicitors by way of a CPR 31:14 request sent via 1st class recorded post on 19/11/2019.Further to the above I sent Hoist Finance UK Holdings 3 LTD a section 78 request via 1st class recorded post on 19/11/2019.  To date, neither Howard Cohen nor Hoist Portfolio are yet to furnish me with the requested information .   8.Therefore with the court’s permission the Claimant is put to strict proof to   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   9. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.6.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. (Defence mainly taken straight from Micky the Hippo's similar defence)
    • On the MCOL site. I hadn't submitted the defence, but it was mostly filled in. I just left it on. I'll submit it by 15:00 today unless I hear otherwise. 
    • The letter from Drydens is asking me to respond to their letter:   "we will have no alternative but to apply to the Court to lift the stay on the proceedings in order to progress the legal action commenced against you."   Obviously I don't want to ignore it. 
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fivedragonslayer

HFO chasing old welcome car CCJ - almost paid off - they say no its not

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Could you point me to this, Brig? Hear it a lot but never see it. Some people are confused because Barclaycard used to use CS before selling debt to HFO.

 

What’s ‘Chis Lancasters’? Excuse my slowness. It’s early...

 

 

Lancaster Solicitors in Chiswick.

 

 

Google Cograd, there's some data re Concilian CS CCS is in the small print.


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When I mentioned Chiswick, I meant our old friends Turnbull Rutherford...

 

I have all the Cograd etc company docs. I miss very little in my efforts to extinguish these devil spawn, Brig...


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Hi All

 

 

I had sent letters to HFO regarding the account and had not heard anything until

 

 

this morning when I received a letter from a company called Asset Link No 5

 

saying they have purchased this account....

 

 

. has anybody had any dealings with them?

 

 

at lease they have the correct balance on the letter instead of the inflated amount that HFO kept saying I owed.

 

hopefully I can eventually put an end to this saga now.

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As I mentioned earlier, HFO Capital was in the process of being sold... looks like Link has picked up all the lemons.

 

How much are they requesting?

 

There’s still a problem – if you weren’t sent a notice of assignment by HFO Services to state the account had been sold to HFO Capital, then you can rightly claim that Link has no right to be chasing this, as your debt was with HFO Services.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Hopefully he will just keep on digging.....


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Hopefully he will just keep on digging.....

 

Good heavens where have you been hiding:wink:


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Oh I am still here! Just keeping a low profile. HFO and their demise are still on my radar


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Link seem to have sent a load of begging letters! Must be Christmas. Oh yes..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?189053-HFO-Services-and-Windywoo.&p=4661417#post4661417


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Oh I am still here! Just keeping a low profile. HFO and their demise are still on my radar

 

Hello CD, Hello DB, happy Christmas to both of you xx


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And you Nick!


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DonkeyB

 

 

 

 

The amount they are claiming is equal to the original CCJ minus the payments I have made to them £800 ish

 

 

I have not had an deed of assignment when the account was passed to HFO Capital from HFO Services

do I send a CCA Request or a SAR to link?

 

 

Merry Christmas to you all.

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Hi

 

Are you still making payments on this Lemon to anyone? If so stop now

 

And is the outstanding amount about £400 or £800?

 

Personally I think that you have paid and suffered enough - don't send anything to Link as they have no information to enable them to claim this money from you, they have just bought a 'debt'. They are unlikely to take legal action and if they did this would be easy to defend as you can take it back to the original court

 

Did you previous send a SAR to anyone?

 

I really also think that you need to send a PPI claim to Welcome as you say that you did claim on this and were refused - therefore there must be a reason why PPI was not appropriate. Welcome do exist and you can claim PPI payments from them ( they are one of the worst offenders). You do no not need a lot of information - just the account number and your details, no documents required and this is money for you, it will not be taken off this dodgy debt.

 

Also please collect any documents on this claim and send to Efe.Avan-Nomayo@fca.org.uk of the FCA who is comiling information on Turnbull and co


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Coledog

 

 

I have stopped paying this account back in February this year when T/Rutherford wrote to me stating they are not acting for HFO anymore and I should contact HFO capital direct.

 

 

The outstanding amount is just over £800 out of a ccj that was for £3,400

 

 

I have sent an SAR and CCA to HFO back in 2007 when this all started and I discovered this forum. as before then I did not know about the CCA etc otherwise this would have never got to court.

 

 

I looked at claiming the PPI from Welcome Finance but I was told that the payout would go to HFO so I did not claim this as I did not want to give the HFO muppets anymore money than I have to.

 

 

I will be sending copies all docs etc to Efe at the FCA.

 

 

I will be glad when I can put this to bed finally as until I do this I cannot put my name on our house deeds in fear of these clowns checking the land registry and getting a charging order on it as soon as my name appears on the deeds.

cheers for all your help

Peter.

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As coledog as pointed out.

 

Claim that PPI now, let them have the balance owed, you will still be quids in.

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Interesting, thought it wouldn't be long before another shark got hold of the lemons - when will the DCA industry clean up its act - how about informing the FCA that a company that has been closed due to bad behaviour (and a dodgy legal team) has now 'passed' its alleged debts onto another bunch.

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Sadly SG, they weren’t closed. All still going on, but becoming pointless as the assets have been dumped. That’s investment banking for you.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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As coledog as pointed out.

 

Claim that PPI now, let them have the balance owed, you will still be quids in.

 

I thought the time limit on PPI claims is 6 years from when the policy was purchased if so then I would be unable to claim the PPI as this Loan/PPI was taken out in 2002.

 

 

I have searched Companies house files on the company that is sending these letters out (Asset Link No5) this company was incorporated in 2010 as a dormant limted company and is STILL registered as dormant ie NOT trading so they should not be sending out letters demanding money as they have declared to Companies House and to the HMRC that they are not trading. (possible Tax Fiddle)

 

 

P

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Just to clarify the letter from Asset Link no5 states they have purchased the account from HFO Services not HFO Capital

DonkeyB

 

 

 

 

The amount they are claiming is equal to the original CCJ minus the payments I have made to them £800 ish

 

 

I have not had an deed of assignment when the account was passed to HFO Capital from HFO Services

do I send a CCA Request or a SAR to link?

 

 

Merry Christmas to you all.

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I thought the time limit on PPI claims is 6 years from when the policy was purchased if so then I would be unable to claim the PPI as this Loan/PPI was taken out in 2002.

 

 

I have searched Companies house files on the company that is sending these letters out (Asset Link No5) this company was incorporated in 2010 as a dormant limted company and is STILL registered as dormant ie NOT trading so they should not be sending out letters demanding money as they have declared to Companies House and to the HMRC that they are not trading. (possible Tax Fiddle)

 

 

P

 

You can reclaim PPI 6 yrs from when you became 'aware' you could claim it!

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asset has always been cover by link licence from day one

just another trading name

 

 

little point in an sar to a DCA.

 

 

if anything send whoever wants money now a CCA request.

 

 

you wont ever get to see the deed of assignment either

so forget that

you could request the notice of assignment, but not worth bothering.

 

 

as with 90% of the debts Plink buy

they'll not know about the CCJ I bet.

 

 

and there is NO time limit on PPI reclaims either.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Dx Do You Mean a CCA request not a CCJ request?

 

 

Do I send a SAR to Welcome to get the details of the account? the paperwork for this account has long since been filed under BIN

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sorry yes and yes

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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