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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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hazelnut

Cannot send texts or receive calls - WRT135 [#12499592]

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Hello

 

I am back again! I thought my troubles were over with Vodafone but apparently this was wishful thinking!

 

I have been unable to send texts or receive calls since January 8. I have made numerous complaints, have spoken to customer service reps via 191 who have plenty of platitudes about wanting to help me with my problem (this never happens) and have had one call back from an agent who claimed the issue would be resolved in 48 hours which was over 2 weeks ago.

 

I was told that Vodafone had disconnected my number for reasons no one at Vodafone seems to know despite me paying my bill every month on time by DD. I have not ported my number over recently (I previously had issues with this the beginning of last year when I first joined) so I am more than confused why Vodafone has decided on this course of action out of the blue.

 

I would appreciate my number being restored since ridiculously enough, I can still make calls but no one can call me as my number is supposedly invalid or callers are given the "you have dialled an incorrect number" message.

 

I hope that this problem can be resolved and quickly as I am awaiting some rather important phone calls and do not want to miss them because of an error on the part of Vodafone.

 

Any assistance would be much appreciated.

 

I have submitted the Vodafone form as per instructions.

 

The reference number is: WRT135 [#12499592]

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Hi hazelnut,

 

Thanks for making me aware of this.

 

I've got your email and I'll get back to you as soon as possible.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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This has been resolved I guess.

 

Vodafone cannot fix the issue so have released me from my contract. They have given me a PAC code and won't charge me any exit fee.

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Hi hazelnut,

 

I'm sorry to hear that we weren't able to get this fully resolved for you without needing to release you from your contract.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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This has been resolved I guess.

 

Vodafone cannot fix the issue so have released me from my contract. They have given me a PAC code and won't charge me any exit fee.

 

Please make sure you use the PAC code as otherwise VF systems may see it as still being on their system and charge accordingly.

 

Also, please keep your direct debit open for another couple of months and check your bank statements closely just in case as VF may still charge you.

 

Keep a check on your credit file too (just in case)

 

I hope you got the confirmation that they would let you leave free of charge in writing as otherwise they can deny this in the future. they don't keep phone records for long either.

 

It does seem strange that VF can't fix the problem. They are a telecoms company after all.


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Please make sure you use the PAC code as otherwise VF systems may see it as still being on their system and charge accordingly.

 

Also, please keep your direct debit open for another couple of months and check your bank statements closely just in case as VF may still charge you.

 

Keep a check on your credit file too (just in case)

 

I hope you got the confirmation that they would let you leave free of charge in writing as otherwise they can deny this in the future. they don't keep phone records for long either.

 

It does seem strange that VF can't fix the problem. They are a telecoms company after all.

 

Once you get a PAC code, doesn't it increases the notice period for another 30 days by any chance? Just wondering.

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Once you get a PAC code, doesn't it increases the notice period for another 30 days by any chance? Just wondering.

 

Not as far as I am aware. I was under the impression if the PAC code wasn't used within the 30 days, the contract would continue. Also I have heard (but don't know for sure) that once the number is ported over, the contract ends on that date.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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