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    • Hello and welcome to CAG.   I agree with dx, hiring a lawyer is unlikely to help as most of them don't understand fare matters, so you end up paying for their learning curve.   Your idea about involving your GP is a good one, it sounds as if you need their input with how you're feeling. And if they would write a supporting letter that could help too. Hopefully your medical information will be through in time.   HB
    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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 CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.'   Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer.   I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved.   I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
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What an absolute shambles at PC World Plymouth

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Well folks, back in October 2014, I was seeking a good new computer and at PC World in Plymouth

I came across am Asus All-in-One ET2020 PC for just over £300. I purchased the new computer



after thinking about it for a few days, also decided to take the care plan at £4 per month believing that it would give me all round protection should anything happen.


on the 17th February 2015, the worst did happen when the PC developed a fault with the TV tuner card.

I duly took it back armed with my care plan agreement and all receipts to the PC World Plymouth store



I was greeted by an awful Knowhow assistant who kept insisting that it had to go back to Asus and that it would take 28 days.

I told him that my care plan guaranteed me a repair or replacement within 14 days, that is what I have been paying for each month.


I had to get the assistant manager involved, who quite frankly was not much more help, but he did agree to send it to their own repair centre in Newark,

and he assured me that it would be repaired within 14 days, probably coming back a lot sooner.

He also stated that I would be able to track its progress all the way, this was not the case.

Now the care plan also provides a like for like loan pc, but they did not have any at the store.


I needed my computer for work and without it I would be loosing £80 per day in income,

I agreed that they could provide a loan pc delivered to me the next day.



Well that did happen on the 18th February 2015, but the loan was a useless antiquated laptop.

I could not use this for my work so found myself loosing even more income, and I was not happy.


Saturday 20th February 2015, I found out upon calling Knowhow that the PC was being sent back to me,

not repaired as the repair centre in Newark said it had to go to Asus.



My argument is why o why was I paying £4 per month for an useless care plan.

I complained to the store manager at PC World Plymouth to after much argument

agreed to refund me my money paid for the PC but not for the care plan.

At this time the useless loan laptop was returned to them.


on the 22nd February 2015 Knowkow delivered the PC back to me,

yes the PC that the store manager refunded on just two days before.



By this time I was preparing a court claim against PC World for my

lost income,

cost of calls

and full reimbursement of the care plan.



I sent their head office an email on the 22nd February 2015 stating that I would be withholding

the PC they mistakenly delivered back to me in lieu of my claim against them,

and offered then a settlement where the damages claimed would cover the cost of the PC,

with the known fault at a reduced cost.


on the 27th February 2015 I got a phone call from the assistant manager of PC World Plymouth accusing me of theft and deception,

far from the truth, so to protect myself duly delivered the PC mistakenly delivered to me, into his arms, realty felt like ramming it down his throat.


So you see dear British people, not only do they take your money for a care plan they had no intention to honour,

they then go and blame the customer for their own mistakes and then threaten the customers saying that the customer has broken the law.

I leave it for you to draw your own conclusions on this one,



but please, please, stay well clear of PC World, Currys, Carphone Warehouse, Knowhow and any other company associated with them. You have been warned.

Edited by PCW-Victim

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certain manufacturers fix their own equipment, asus and samsung are two of them, the care plan means your machine would only be fixed at newark if it'd been damaged and now not covered by manufacturer warranty.

however in the case of yourself, the time limit still applies and if the unit wasnt returned from asus within the time span, it will be elligable for write off under the policy. i know this cos i have literally done this for a customer last week. rang asus on the14th day to find out it hadnt been despatched, got proof sent to the relevant dept at knowhow from asus, got code within 48hrs for customer and have since received the repaired asus back in store to forward back on to newark.

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Read our customer services guide for the future

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Oliver, you must be the only good chap in an ocean of rotton eggs at that company.



I now get my computer equipment from an independent computer shop based in Abingdon, real excellent service at a much lower cost compared to the PCW shower.

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