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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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swt61

Anyone help me please out of this mess ?

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I have 3 payday loanslink3.gif showing on my credit file as these are in a DMP.

I made the mistake just over a year ago of borrowing money from them to help pay for my mothers funerallink3.gif expenses but then it kept rolling over. The companies are Quick Quid £361, Think Finance £782 and instant cash loans T/A Payday UK £557.

 

 

The credit file for these loans show monthly periodic payment amounts for not what I am paying them but for amounts varying from £782 / £1440 and £557. Surely this is incorrect information ?

 

 

Is there any way I can get rid of the payday loans off my credit file as when I borrowed from them it was an instant online decision and they kept allowing me to roll it over. I admit it was a very big mistake to use these people in the first place but I was in a bit of a panic

 

 

I hope someone can help and advise me please as its really worrying me now.

 

 

Thanks in advance

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Who is the DMP with ? Are they deducting fees from your payments ? If you are with a company that charges fees, you should dump them. Do it yourself or go via Stepchange.

 

If the credit record is wrong or you are still in financial hardship, you need to register this with these PDL companies, by sending a complaint letter to their head office. Ask for an up to date statement of account.

 

Have you spoken to Stepchange or National Debtline about your financial situation ?

Might be worth getting some confidential advice.


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HI, I am with payplan as they charge no fees. The PDL companies all know that we are in a DMP and they are accepting payments from payplan but the credit file is showing either a default or DMP or AR.

I though that once they agree to payments from a DMP they do not register a default or am I wrong ?

 

 

what kind of letter can I send to these PDL companies to try and get them all removed or even written off ?

 

 

Many Thanks

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UB is right in some regard, However when were these loans taken?

 

I need to know and ill add you to my case list of people to help.

Please get a full summary of all the loans and rollovers.


 

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Hi, I have just emailed the 3 PDL companies to ask for full statements from day 1 if that helps ?

 

 

Many Thanks

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The debts will still be on your record, but i thought they would be marked that you are in a DMP.

 

You should speak to Payplan to see what they agreed with creditors in regard to interest and current debt balance still owed. The credit record should be corrected, if the amounts and arrangement is wrongly shown.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Hi, I have just emailed the 3 PDL companies to ask for full statements from day 1 if that helps ?

 

 

Many Thanks

 

Yes thats good enough. Please let me know when you receive them .


 

We could do with some help from you.

 

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OK I will keep you updated thanks,

 

 

How can I capture screen shots of my credit file but be able to edit out sensitive info before posting them up ?

 

 

Regards,

 

 

S

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Got my statements from them all now, I noticed on my DMP that one of the creditors is Mr lender but my credit file shows that the account was settled in full now it looks like the monies are going to a company called MMF Motormile Finance Ltd. I think this one needs to be stopped paying as the credit file shows settled.

 

 

Any Advice appreciated

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I hate MMF... I had a 2 year battle with them anyway...

Ill advise when I can... Just remember that I also work full time... So can't alway be here to advise


 

We could do with some help from you.

 

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**Fko-Filee**

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Thanks mate, I am back in work 2 mrw but will keep checking in

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Okay so Ive analysed what you have sent me, I genuinely domt think you have a massive case here. Youve been paying through a DMP and I suggest you continue to do so.

 

PDUK... I see evidence of 2 loans, and thats all. Why do you think that it was irresponsible lending?

If it was constant reloans id agree however I am unsure youd get very far with them. Is the account direct with them?

Although they did lend you 225% of what they lent you in the first place...

 

QQ... Interesting, So they lent you £100 and you repaid that, but then lent you £1200 later in 2013. Was this their flexiloan? Or was it Normal PDL? On CRA it said 1 month but I wouldnt expect that amount for 1 month.

The payments, were the rollovers? I think you need to SAR QQ. You need more info before a decision can be made.

 

Sunny... No Case here. Rolling credit limit. One loan, Payments of £1 after that. Nothing you can do with this one.

 

Mr Lender / MMF... Stop paying MMF, Send a CCA request to check legality of debt.

Youll need to SAR Mr Lender.


 

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Ok thanks for the reply mate , looks like I just gotta pay them then . Shame I can't get them all removed of my credit file in the meantime :-(

 

Thanks again

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You dont have to pay them all. At least not the extortionate charges anyway. You pay what you originally took out plus original interest until the termination of the loan. Dont fall victim to their bogus charges and fee's.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You dont have to pay them all. At least not the extortionate charges anyway. You pay what you originally took out plus original interest until the termination of the loan. Dont fall victim to their bogus charges and fee's.

 

IMP is right, but at the same time, why pay them?... They wont go near court and they caused you enough misery?

There is no harm in complaining, it may be worth a go with QQ because I think thats the best one you have a chance with but you need to get more info out of them.

 

You could probably kill it and may get a refund that can help with your other debts or you can keep it for yourself...


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Ok thanks I will do some calculations to see what I have paid back, no court ?

Don't pdl companies issue CCJ 's then ?

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Not really... More than fob it off to a DCA. Very rare for a PDL to go to court unless it was *COUGH* Safeloans *COUGH*


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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