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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 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 £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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 issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   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 ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   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? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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tedney

CitiFinancial Loan Assigned then Sold

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I have been paying monthly nominal sums direct to Citi for about eight years. This is for a loan account.

 

The account was assigned to Britannica Recoveries S.a.r.l. - Atlas ( described as B's "compartment") around 3 years ago.

 

About two years ago it was "purchased" by Arrow Global.

 

I got a SAR response from Citi 3 years ago. which provided details of all payments up to the date of the assignment, but no details of any balances not starting, running or nor ending.

 

My latest payment to Citi has been declined by Citi as my bank advises: "the beneficiary bank has advised that the account and sort code are incorrect" but I have used the same details for all payments for eight years.

 

I have only received statements after the first assignment for 2 years, one this last year and one 3 years ago, but I cannot check the starting and end balances for the reasons above.

 

Both Britannica and Arrow have the same identical address for their Data Protection Officer.

 

Should I send a SAR to both Britannica and Arrow? Or would Arrow have to supply all data since the first assignment?

 

Shouldn't I have received a more detailed statement, and also details of when a DN was sent, if one was?

 

Should I just wait to see if any correspondence comes my way, and not worry about any payments?

Thanks. t

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pers I'd sit on your hands

 

 

if / when they demand payment

 

 

then cca time.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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pers I'd sit on your hands

if / when they demand payment

then cca time.

dx

 

Thanks dx

Think I will do that.

I CCA'd Citi in 2012 and got a copy of the CA from them. Would it prudent to post it up here for comments please?

Thanks t

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Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

Dx


please don't hit Quote...just type we know what we said earlier..

 

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Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

Dx

Thanks for that, i will take a look at some threads over the weekend. t

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