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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 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. 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   What is the total value of the claim? £2977  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, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   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 ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
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bobandsuzzi

small ltd. business v natwest

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Hi,

his is my first post, finding it very difficult to navigate the site, i will update if i can work out how to find it again, i hope i am posting this in the right place

 

 

going through my business statements for the last 4 years, and it looks like they have ripped me off for about £3000!!! just in un paid items--- small family business--[just myself and wife]

i have a few questions if anyone would be kind enough to help

 

1 as a ltd company, do i need to send a different letter?

 

1a i presume i cant claim for standard account charges

 

2 i have a £3000 overdraft---when they calculate the debit interest, which they do quarterly, they charge 5% for the overdraft, and 29.5% for unarranged borrowing, the problem i have is how to calculate the interest for the unarranged borrowing, as they calculate the two together, or can i claim for the whole lot? it is just shown as interest on the statement

 

3 what is the "referral charge for the month ", and can i claim for this

 

4 other stuff i have been charged for, that im not sure if i can claim are:

a overdraft arrangement fee

b stop cheque fee

c overdraft renewal fee

d overdraft fee

e arrangement fee

f security fee

 

any help with the above would be great, if i can find answers to all the above, then i shoud be able to get my claim in by the end of next week---i feel quite excited ,having been meaning to do this for the last six months

 

sorry to appear a bit thick, but i have never been inolved with this side of the business, it is only since my wife has had a stroke and been diagnosed with a manic illness, that i have had to get inolved in the office, and unearthed all this.

many thanks

 

Bob Wells

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Guest NATTIE

The charges that can be claimed is Unarranged Borrowing, Referral fees, unpaid items the others you cannot. The interest is what has been charged for the unlawful charges.

There is a slightly different letter for businesses. What you need to do is start with the FAQ's and once you are thoroughly versed in them, have a look at the Bank Templates Library that should have the letter you need to start the ball rolling. Good Luck

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thanks for that, natweststaffmember,

 

as i said, the problem i am having is how do i seperate or calculate the unaranged borrowing from the the agreed overdraft borrowing, as they are lumped together as one interest charge

 

Bob

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Obviously you cannot claim the interest back on your agreed borrowing. You can claim interest on the charges you have incurred, and there is a spreadsheet to help you do this. If you contend the charges caused you to go over your agreed OD limit and thereby incurring penalty interest charges then that is a more complex calculation and more difficult to establish, and perhaps others can help you on that.


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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thanks, but i still need to know how to seperate the unarranged borrowing from the overdraft charges

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The charges that can be claimed is Unarranged Borrowing, Referral fees, unpaid items the others you cannot. The interest is what has been charged for the unlawful charges.

There is a slightly different letter for businesses. What you need to do is start with the FAQ's and once you are thoroughly versed in them, have a look at the Bank Templates Library that should have the letter you need to start the ball rolling. Good Luck

 

hi again,

having read your message again, am i right in thinking that the interest shown on the statements, is only for the unarranged borrowing, if so, what are the overdraught charges shown as [or what are they called]

Bob

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No. The interest shown is for the money you have borrowed as overdraft. Some may be agreed overdraft some may not, the interest rate will differ for unarranged borrowing. The point is the bank can charge you interest for borrowing their money, but they have to pay you interest on the charges they have erroneously levied. Use the on-line interest calculator.

If still not sure read the FAQs,


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Where is this on line interest calculator? And I can't find how to do this in the FAQs either, have been looking for bobandsuzi lol! :D


Ex CAG helper ^_^

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My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Ah right thats for the 8% interest, thanks anyway. :D


Ex CAG helper ^_^

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Sorry thought that was what you were after....?


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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