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Hoist/Cohen - Claimform old Cahoot flexi loan from 2001***Claim Discontinued***


billyrayvalentine
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Today I received a claim letter from Northampton County Court against myself.

 

It was for 11k. The claimant is Hoist Portfolio Holding and the solicitor if Howard Cohen, Leeds.

 

I originally took out the loan as a cahoot flexi loan i believe, who were then took over by santander and now sold off to Hoist.

 

I'm planning to CCA Hoist, and send a CPR31.14 request to Howard Cohen.

 

Is there anything else I should do?

 

Also, if they send me back the documents I requesed, what could my defence be if the documents look enforceable?

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Hello and welcome to CAG. I'm sorry to hear about your problems.

 

To help the forum guys to advise you, it would be very helpful if you would add the details that the forum stikky is requesting and post them up on your thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

My best, HB

Illegitimi non carborundum

 

 

 

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Claimant is HOIST portfolio holdings

D.O.I 09/2/2015

POC:

 

 

The claim is for the sum of £1x,xxx 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.

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

A deafult notice has been served upon the Defendent pursuant to 87(1) CCA. etc etc

 

Value: 11k

Type: Cahoot Flexi loan

Opened 2001

Assigned to Hoist

 

I received a default notice, months after i stopped paying. Not received "notice of default sums" letters.

 

I stopped payments as I lost my job and couldnt service the loan anymore.

It was one where interest when from 7% to 22% when Santander took over Cahoot.

 

Last payment was Dec 2009.

 

 

I wrote to the them to offer token payments but they added interest anyway, so stopped paying.

 

No dispute with original creditor.

 

Again, not sure what my defence will be if they are able to produce the docs required.

 

 

Any advice?

Edited by billyrayvalentine
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Make sure to acknowledge the claim on MCOL before the deadline to buy time to prepare a defense

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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yes the sar might not come through in time but could be useful for PPI or Penalty charges during mediation if that happens.

 

 

is this on your credit file?

 

 

looks like it might be statue barred? 6yrs since last payment?

 

 

yes complete AOS defend all

leave juris unticked

 

 

could be interesting to see them get a 2001 CCA back.

 

 

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... 

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the claimant gets the CCA Request

blank £1 PO do not sign anything

 

 

CPR goes to the sols

 

 

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... 

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what is the default date

who is the owner?

 

 

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... 

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Share on other sites

i had a claim from Cohen for santander account

 

 

they may be some information that might help you in there....claim against me was discontinued at the last minute

 

Hi,

 

Thanks for the heads-up? Did you get your costs back in the end? Also how did you derive the £600 costs?

 

Thx

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Just a quick update.

I filed the Aos on the MCOL website

CCA'd - Hoist

CPR'd - Howard Cohen

SAR'd - Santander

 

I never received the letter of assignment (never heard of hoist before). Do they have to prove they sent it (recorded delivery sigs) or just that it was produced? Same with DN/TN.

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the important one is the CCa request

they'll have a hard job getting a 2001 CCA .

 

 

just don't miss filing date

 

 

I would not worry about the rest

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... 

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  • 2 weeks later...

as post 15

 

 

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... 

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Share on other sites

NO!!

no such thing anymore out dated and useless

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... 

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Share on other sites

no paperwork/ holding defence

widely detailed in most threads here

 

 

and in the

 

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

 

post you version customised to your POC here first before filing mind!!

 

 

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... 

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Share on other sites

Got a reply from Santander (re SAR request). they said that they couldnt find any information regarding this account (interesting as they were meant to be the original owener of the debt who assigned it to Hoist). They said it looks like an MBNA account number and I'd have to take it up with them.

 

Thoughts?

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some early abbey cards were mbna

 

 

Canadian square address then

 

 

dx

 

 

 

 

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... 

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Share on other sites

4pm friday 13th

 

 

33 days [day 1 is the date of the claimform]

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... 

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