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    • Yeah which I expected when paying early, I was just wondering if there was anything I could do with regards to the unaffordable loan?   sassy
    • Sounds like you passed the "attitude test" then. Hopefully you should be OK.
    • Thanks for your detail response,   my car was registered in Cambridge and incident happened in london, he asked i did told him i comes london quote often , he laughed and said probably cos of good food.   He didn’t said anything you say maybe given in evidence etc After that he said you know you jumped redlight and u must have read in theory test you should slow down as approaching to signal, i did politely said yeh i know tht but this time i didn’t realised and after that he just handed over my license and we both left…he told me it’s dangerous to pass junction like this…
    • @dx100uk - hi, started new thread here.
    • Name of the Claimant ? Hoist finance UK holdings  Date of issue – 05 May 2021   Particulars of Claim  What is the claim for –  1.The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted> 2. The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. 3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.    4.The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   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   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   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. Debt purchaser has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this claim).   What was the date of your last payment? 2014   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 a debt management plan? No       Starting a new thread following on from this thread.   Background:   Student account overdraft with Lloyds Last payment made was in 2014 Robinsons Way/Hoist contacted in late 2019 Asked for CCA 19th February 2020 Received communication stating they were trying to obtain CCA 23rd February 2021  Robinsons Way/Hoist said they would cease action until they obtained information from Lloyds Heard nothing from Robinsons Way/Hoist until the CCJ claim Despite the lack of relevant information from Lloyds as per the above, Robinsons Way/Hoist marked the account as defaulted on credit file 11th March 2016  No idea how they came up with this date if they don't have necessary paperwork from Lloyds   Here are the Particulars of Claim for the OD:
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
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Hi all,

Looking for a little help. My daughter recently found a suitable property to rent so signed up with the estate agents and decided t rent the flat, which was sold to her as £450 including water and electric (I was present when she was told this) they took a deposit of £200 plus the signing on fee and she was told that there would be an initial £100 charge towards electric and water which she would get back when she informed them of who the gas supplier would be and confirmed she had informed the council regarding her council tax.


Her moving date got moved forwards by 2 weeks and then 2 hours before collecting the keys she was told that her flat was still not ready but she could move into another flat for 2 weeks whilst she waited. my daughter then went to sign the direct debit agreement but could not sign for the actual flat as the one she wanted was not ready.


At this time she signed for the £550 on the understanding that the £100 would be refunded by the estate agents as above.

on moving into the flat she has now found out that the rent is £550 per month including water and gas (not electric as previously stated) as the £100 extra was per month to go "Towards the gas and water bill" I found this excessive as it is only a 1 bedroom flat and this was not what we were initially told.


I have spoken to the landlord and informed him of the mistake by the letting agency and he has agreed to refund any monies being held by the estate agents. (he has actually told the estate agents this with me present when I wen to complain)


The estate agents are now withholding the money which the landlord has stated could be returned and are being awkward by saying this must be authorised by the managing director who works at the branch but has not answered his personal mobile phone for 3 days.

the advert with the estate agents is showing £450 per month but another agency is showing the same property for £550 per month.


Where do I stand regarding getting my money back, including my signing on fee and deposits (£1360 in total) and the 2 months rent, as my daughter only signed up with the agency because of this certain apartment. Had she known the proper price of the flat she would not have been able to look at it due to the costs.


We have incurred removal costs and taken days off work due to the lies we have been told and I am out of pocket due to the misinformation given to us.

the Landlord of the property has been great and understands our situation and is blaming the estate agents totally for this error.


Many thanks



Edited by Andyorch
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Sounds like misrepresentation to me so contact Trading Standards.

Though you may have paid the money, actually as a loan to dau, she is the T and the one who needs to complain and be repaid IMO

The LL may appear great & understanding but is as useful as a chocolate teapot if he does not put pressure on LA to resolve asap.

Could it be LA is the actual LL under a 'guaranteed rent' Contract with owner?

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Alternativly can she not negotiate a tenancy direct with the LL and cut the LA out of the equation completly?








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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Thanks for the speedy reply,I understand its the daughter that needs to claim money back and I have an appointment with trading standards tomorrow.Sounds like definate misrepresentation of the property but just hoping that they return the money soon as my daughter is currently sleeping on our sofa!!RegardsMartin

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And the landlord is not willing to negotiate directly. To be honest, my daughter cannot afford the rent and bills on this property as she was given duff information and would not have been able to afford this property had she been given the correct information from the start.It was only due to the incorrect information being given by the LA that she went to view the property.Regards and thanks for the replies. I'll update when I know more.

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Just had a call from Estate agents. They are refunding £1100 but retaining £265 for admin costs and survey. Ill take that for now but still speaking wth Trading Standards tomorrow. I may start quoting my costs of moving address twice and paying for removals, taking the day off work and their incompetence!!!Thanks for your help, much appreciated

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