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flappymoog

HPH2/cohen claimform - Santander Loan 'debt'***Claim Struck Out***

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Morning,

 

Yesterday I received a letter from "Robinson Way Limited" the letter was for an address confirm.

 

They must have sent some letter to my old address that was 5+ years ago, they could of easily checked the electoral role as I have been here for nearly 3.

 

I am to get in touch with them and let them know if I do reside here.

 

No details of what it is regarding is on the letter, however I think it relates to a Santender loan that I had with an ex a long time ago. My credit file states "Hoist Portfolio" it was recently held via someone else (can't remember who)

 

Loan taken out early 2007 and I think last payment was August 2008 so in theory SB.

 

 

Should I write back and say that I am who they are asking and get further details?

 

For some reason the default date was early 2010 so that needs to be investigated also.

 

Cheers,

Flappy

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Ignore it.


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is this on your credit file FM?


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is this on your credit file FM?

 

Hi Dx,

 

Yes it is now on my Credit File - "Bank Default from Hoist Portfolio Holding 2 Limited (I)"

 

Debt Due To HPH2 LTD (EX SANTANDER UK PLC)

 

 

 

Today they sent a letter "Your account details have been passed to us" - they have thousands of customers etc, they can help blah blah blah

 

Should I write back saying that I know nothing of this debt?

 

Kind regards,

FM

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No ignore them, they are simply fishing.

 

Can you be certain when you last paid or acknowledged this in writing?


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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Today I took delivery of a letter saying the following:-

 

This personal loan was opened on FEB 2007 - SORT CODE XX XX XX & Account Number XXXXXXXX

 

Default Date JAN 2010

 

I also have to complete the financial questionnaire and return with my proposal within 14 days.

 

Should I send them a SAR?

 

Cheers,

Flappy

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I just opened another letter from them saying that they maybe able to give me a reduction in the balance I owe and perhaps I can pay that over three months!

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discount typically means something might be up with what you owe.

 

 

either its PENALTY charges

PPI

or both ripe for reclaiming

 

 

or they hold no signed agreement.

 

 

its a CCA request you should sent hoist

 

 

an sar would goto the original creditor to gain the statements.

 

 

pers I'd let it run.

 

 

dx


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Just had another letter saying that they understand times are difficult etc...... I can contact them and they will come up with a solution blah blah - I guess I just keep ignoring

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Yep, robbers way by name robbers way by nature, the only solution to their dire missives is to not get into any protracted game of letter tennis with them.


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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Hi Dx,

 

Today I took receipt of a "Claim Form" In The County Court Business Centre from Hoist Portfolio (they sent to old address and was redirected here)

 

What should I do? I don't have proof but I am pretty sure this is SB since September last year

 

Please help

Flappy

 

Claimant is Hoist Portfolio Holding 2 Limited & Address to send documents to is Howard Cohen & Co

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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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Name of the Claimant ? – “Hoist Portfolio Holding 2 Limited”

Date of issue – . 21st May 2015

What is the claim for – the reason they have issued the claim?

 

1.This Claim is for the sum of £7800.74 in respect of monies owing pursuant to the Consumer Credit Act 1974 (CCA) under account no XXXXXX XXXXXXXX

The debt was legally assigned by Santander UK PLC to the claimant and notice has been served.

 

2.The defendant has failed to make contractual payments under the terms of the agreement.

 

3.A default notice has been served upon the defendant pursuant to Section 87(1) CCA.

 

4.The Claimant claims

1 – The sum of £7800.74

2 – Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00 percent from 03/05/2015 to the date hereof 15 days is the sum £25.65

3 – Daily interest at the rate of £1.71

4 – Costs

What is the value of the claim? £8336.39

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? I think a Loan

When did you enter into the original agreement before or after 2007? Feb 2007

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 is now with a debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? I can not remember, if they did send then perhaps to an old address

Did you receive a Default Notice from the original creditor? I can’t remember

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? I think it was September 2008

What was the date of your last payment? 31st September 2008?

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? No

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ok pop up on the mcol website listed on the claimform

 

 

register as an individual

note the long number given.

 

 

then log in to MCOL using the log in created above.

 

 

respond to a claim

and select the AOS box

and ack the claim, using the required details from the claimform

 

 

defend all

leave juris unticked

 

 

exit MCOL

 

 

get a CCA REQUEST off to HPH2

£1PO leave it blank

don't sign anything

 

 

get the credit card/loan CPR 31:14 request off to cohens

[top green library tab - legal section]

 

 

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

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Hi Dx,

 

This is done - both sent 1st class recorded.

 

I guess we wait for a response now? and then update the defence later?

 

Thanks,

flappy

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Would love to be a fly on the wall when they realise it is SB!


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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I hope I am right, for some reason I have that dated recorded in my excel file - I looked at my credit file and usually it states the payment history, this only now goes back to 2010.

 

Do you think that they do try for a CCJ knowing it's SB or do you think they just act on what Hoist ask them to do?

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Who knows how the mind of a DCA works, they would rather money than oxygen, shallow beings!

 

It may well be nearing it's SB date, which is why they are trying one last attempt at getting a CCJ,

and hoping you won't defend it so they can win by default.


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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I think last payment was August 2008 so it's well over.

 

I hope I am right and not wrong

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Trawl through your bank statements try and get an exact date.


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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Monday 22nd by 4pm.

 

 

if you could prove its SB'd it should kill the claim dead.

why not ring the bank and ask


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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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I did back to early 2009 and I can't see anything relating to Santander, nothing at all from Jan 2008 onwards.

 

I can see a payment in June 2008 for £100 to CAPQUEST, i hope that's not an arrangement for this? otherwise the 6 years are still within..

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Should I hold off from sending the CCA (i was about to post them) and wait until the last moment? this would delay and hopefully get us past June on a worst case scenario.

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why?

you must send CCA/CPR

 

 

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

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