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    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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HPH2/Cohen Claim Form barclaycard 'debt'***Settled by Tomlin Order***


isbo
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Hi, first time caller!

Fantastic forum, you guys do amazing work.

Thank you.

 

I'm in receipt of a very similar County Court Business Centre Claim Form from Hoist (who??) and Howard Cohen.

 

Thanks to this thread today I'm sending the claim form back as "defend all" and submitting CPR 31.14 to Cohens and CCA to Hoist.

 

My question is

- what do I do next,

since I've now told the Court that I'm going to defend,

and therefore have a limited time-frame to do so?

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Hi isbo and Welcome to CAG

 

I have started a thread of your own for your claim.

 

If you would read the following link and copy/ post your responses back here to enable the best advice on proceeding with your claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

Regards

 

Andy

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Name of the Claimant - Hoist Portfolio Holding 2 Ltd

Date of issue –1st March 2016

What is the claim for –

 

 

1.owing under an Agreement with the account no. 5301xxxxxxxxxxX pursuant to The Consumer Credit Act 1974 (CCA).

The debt was originally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served.

2.The Defendant has failed to make contractual payments under the terms of the Agreement.

A default notice has been served upon the Defendant pursuant to s.87(1) CCA.

 

The claimant claims

1. The sum of £3300 (rounded)

2. Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00percent from the 17/10/12 to the date hereof 1227 is the sum of £900 (rounded)

3. Future interest accruing at the daily rate of £1.00 (rounded)

4. Costs

 

What is the value of the claim? - £3,300 rounded

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

 

When did you enter into the original agreement before or after 2007? I can't remember but I think it was circa 2006.

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. HPH2

 

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I can recall no.

Did you receive a Default Notice from the original creditor? Unsure.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No.

 

Why did you cease payments?

I suffered a nervous breakdown brought about by stress, was hospitalised and then sectioned. I was self-employed then subsequently in receipt of DLA for a period of time, before becoming self employed again.

 

What was the date of your last payment? No idea but it would be at least as far back as 2012.

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? No.

 

 

 

due to financial marriage breakdown and financial implications from that I have moved a number of times since 2011 and appeared to have dropped 'off the radar' until recently. I think my signing up to Noddle credit file has re-ignited me with creditors.

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Many thanks ...

 

Get your CPR and CCA up and running and keep an eye on your defence date.

 

Regards

 

Andy

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  • 2 weeks later...

Andy - I have today received two letters, one each off Howard Cohen & Robinson Way. They are transcribed in full, complete with their rubbish grammar as follows:

 

1) From Howard Cohen & Co. dated 9th March but only received today.

 

Dear Mr XXXX

Our Client: HPH2 LTD (Ex Barclaycard)

Account Number: xxxxxxxxxxxxxx

Amount Due: £4,500 (rounded by me)

 

We acknowledge receipt of your letter dated (they have not inserted any date here) made under C.P.R. 31.14 for documentation mentioned in our Particulars of Claim.

We are currently in the process of retrieving the documents requested.

Therefore, please accept this letter as our agreement to a general extension of time. Once we have provided you with the documents requested we will grant a further 14 days for you to respond to the Claim Form as you feel appropriate.

Yours faithfully,

Howard Cohen & Co.

 

2) From Robinson Way Debt Collectors dated 17th March and also received today.

 

Dear Mr XXXX

Due to: HPH2 LTD (Ex Barclaycard) Our Reference: xxxxxxx

Account Number: xxxxxxxxxxx Amount Due: £4,500 ([rounded by me] exactly the same amount as the other letter)

We acknowledge receipt of your request under sections 77-79 of the Consumer Credit Act.

Your account is now with our client's solicitor Howard Cohen & Co and they have issued a County Court Claim against you.

As you have filed your defence in this matter, all documents will be requested by our client's solicitor Howard Cohen & Co as part of this process therefore please find enclosed your £1.00 fee.

If you have any questions please contact our office on 0345 266 8876.

Your faithfully,

Customer Contact Manager

 

So, almost two weeks since I wrote to them both, I get a reply, and the amount claimed has dramatically and without explanation leapt by twelve hundred quid. What should my next move be, please?

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Prepare your defense, no more action required re RW and Cohen for now.

Do not miss yr deadline for filing defense, atm it woukd be no paperwork/holding defense.

Edited by martin2006

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OK hang fire, i have found a differing opinion, please see below, sorry to confuse but the comments below makes good sense and come from the site team.

 

Once a claimant offers extension by way of CPR 15.5 (an extra 28 days) its your choice to accept and if so inform MCOL(with a copy of the claimants confirmation) that you will be be submitting by this date.

 

By agreeing extension all you are doing is providing the claimant further time to recover/create the paperwork and prolonging the process for yourself...so ignore.

 

Your defence will not be based on anything they wont disclose pre defence...and they wont disclose because they dont wish to assist with your defence along with the fact that they have nothing at this stage to disclose.

 

Your defence will be a simple holding/verifying proof defence...which is available through out this forum and in the Legal Successes forum.

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my apologies, all you are doing is allowing them more time to find documents, which doesnt do you any favours, it only serves to help them

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They have brought a claim against you, they should have had their house in order before doing so, ie they should have had the documents upon which they will rely, so what they are doing is saying, ahhhh crap, we dont have the agreement, lets see if we can get some extra time to find it.

 

The answer is no, you dont allow them more time to do the work they should have done before issuing a claim in the first place.

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theres no compulsion for a claimant to hold any paperwork before issuing what is 'a speculative claim'

 

 

never give them more time...

always defend all

even if you 'morally' think you owe money!

 

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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my apologies, all you are doing is allowing them more time to find documents, which doesnt do you any favours, it only serves to help them

have mentioned this before. to avoid that, site needs to amend the 'template' cpr 31.14 letter that peeps use so it doesnt auto include the extension/more time offer. its not good to offer an extension, then when they take up the offer, then not agree to it. not that it wld make much difference overall, just simplifies matters. :)

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You dont have to let them have more time - IMHO, I would stick to the original time table as set out by the court.

 

I am rather interested to see that they have increased the debt in their letter - what they have done is added the court costs into their calculations. I think this is wrong - the amount of the debt is £3,300 and unless they win that claim, then any costs are irrelevant.

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agree. just saying generally, dont offer the extension/more time in the first place if dont want to give them more time, just do the cpr with x days? :)

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As the offer to extend was in the CPR 31:14 letter it will probably do no harm to agree, inform via MCOL of agreement to extension and inform Cohens of same by letter.

 

Note the new defence filing date and file on time.

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As the wording to offer such an extension was in the CPR letter it would seem unreasonable not to agree on this occasion but the general rule is not to.

 

If they dont have the paperwork then it becomes a no paperwork/holding defense until such time as they produce it.

 

But if they find the paperwork, they can re open the claim anyway, so the time allowed for filing is really irrelevant, it just delays the initial outcome

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isbo

your initial defence deadline is around the beginning of april.

the defence extension by letter under that offered in the cpr letter is under CPR 15.5, which only allows for 28 days extra after that. they prob wont come up with much or anything in that extra time.

therefore, wld also suggest just doing the defence by the initial court deadline. (if, however you do want more time, then can do the letter to the court as per 15.5, saying have agreed an extension)

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Hi Ford, and thanks for your help.

 

OK that makes sense to me, thank you.

 

To file my defence, what do I use?

A Court form?

 

I've tried to find it on this forum but am struggling to know where exactly to look.

 

I've put a search for "defence" on the site but obviously this brings up heaps of threads.

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We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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