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    • 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.    
    • no little chats before you go in if they turn up. smile, walk away!    
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PCN received from Liverpool Council 01 parked in a restricted street

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Hi All


Received on match night a PCN under code 01 parked in a restricted street during prescribed hours. There were marked residents bays (white lines) which I avoided and parked on single yellow line as there were no yellow signs showing any restriction.

Seems the residents parking zone signs (nowhere near that street) applies to the yellow line?

Is this the case and any grounds for appeal?



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Without knowing exactly where you parked it's likely you were in a

Football Match Residents Parking Zones (FMRPZ)


The football match residents parking zones around Everton and Liverpool Football Clubs is for resident permit holders only.


Like the city centre Controlled Parking Zone (CPZ) there are signs on entry to the FMRPZ, indicating the times and restrictions in force (Mon-Fri 5pm to 10pm, Sat-Sun 10am to 6pm from 1st August to 31st May inclusive). If you park within a Football Match Residents Parking Zone, you may be issued with a Penalty Charge Notice. You can view a list of the streets within the zone. There are a number of free bays within the FMRPZ, but spaces are first come first served. If you are unable to park within a free bay this does not permit you to park in a resident bay, on a single or double yellow line or in any other bays without displaying the required permit.



There should be FMRPZ signs at the entry points to the zone and the restriction times shown on the entry signs apply to SYL within the zone.

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Why do you mention match night in your post?

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on other day's I'd be suprised if the traffic warden's come out, on match night there like all over the place, had to enter a match permit zone a few week's ago to collect an item in the middle of match time, ticket's were everywhere

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