Jump to content


  • Tweets

  • Posts

    • 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.    
  • Our picks

madh21

Paratus - 2nd Eviction notice pending **WON TWICE **

style="text-align:center;"> Please note that this topic has not had any new posts for the last 821 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello there.

 

What is your question about legal costs please?

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi there, I have amended your statement to include the request not to allow Paratus costs.

 

You need to assemble the pack for court as follows:

 

N244 - signed

Statement - signed

Copies of emails - your offer of payment and their rejection and request for lump sum

Budget sheet

Wage slip

 

Make sure you take a copy of it all before stapling all the above securely and taking to the court. Remember to take the court fee of £50 in cash. When you hand it in to court ask if there are any duty legal representatives at court on the day of your hearing. You can ask for their assistance and they will accompany you into the hearing and support your case.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Took all the stuff to the court this morning. Got a hearing for Monday at 10.00am.

Share this post


Link to post
Share on other sites

Good. Did you ask if there were any duty legals there on Monday?


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

No. I completely forgot until I was half way home. Its a 25 mile round trip so I didnt go back.

Share this post


Link to post
Share on other sites
No. I completely forgot until I was half way home. Its a 25 mile round trip so I didnt go back.

 

Can you give them a ring this afternoon? I think they'll close 3 or 4pm though


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Will do. Just received a letter from Paratus dated yesterday confirming what the email said regards rejection and lump sum. Then next paragraph says ' we are committed to helping wherever possible, please contact to discuss alternative option'. Ive emailed to ask what these option might be.

Share this post


Link to post
Share on other sites

They think they are covering themselves by stating they are committed to assisting you (by rejecting your reasonable offer?) I don't think so ! - and hopefully neither will the judge.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Ive had a reply to my email re alternative options. It just said the alternative was stated in the letter, its now in the hands if the judge and we will be opposing your offer. What a load of rubbish. I will be taking the letter and email with me on Monday for the judge.

Share this post


Link to post
Share on other sites

Ive now just received at text from Paratus saying that tomorrow is the last day I can make the payment of £1250!! Yet previously they had told me as long as I make it before the eviction date it would be ok. A bank transfer is in their account in 2 hrs. Is this more scare tactics?

Share this post


Link to post
Share on other sites

Today is the day...feels so sick and trembling!

Share this post


Link to post
Share on other sites

Hello there. Are you sure it's today, because your thread title says the 3rd?

 

You've done really well so far and if you do what Ell-enn tellls you, there's a good chance you can sort this.

 

:grouphug: HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi, get to the court as early as you can and see if there are any duty legals there - if so approach them and ask for their support.

 

I'm sure you will be ok - stay strong.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Im here waiting. Duty legal approached me and coming in with me. Just want it over with now

Share this post


Link to post
Share on other sites

Glad you've got the support - it'll be ok :)


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Hi. SUCCESS!!! The duty legal was fantastic. She put forward my case...I never had to say anything other than Thankyou! She had spoken to the rep from Paratus beforehand. She said I had a good case but obviously no guarantees. Judge was fair and pleasant. When we left the duty legal and I spoke with the solicitor representing Paratus who was lovely. She said she thought my offer towards the arrears was too high and if at any time it isnt manageable to apply to the judge to have it reduced. She said I had to do and say what Paratus has told her but knew he would suspend. Thankyou to everyone who has helped and for your kind words.

Share this post


Link to post
Share on other sites

Brilliant, well done - knew you'd be OK :)

 

Was anything said about the legal costs ?


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

Nothing at all but I didnt dare question it.

Share this post


Link to post
Share on other sites

get results

even hit these fleecers with a reclaim of any unlawful penalty fees they've ever charged

 

 

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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hello again.

 

I've just caught up with your thread. That sounds really good, I'm so pleased for you. :) Ell-enn has done it again.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

did you ever get reclaiming all the arrears fees?


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...