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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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HPH2/Cohen Claim Form barclaycard 'debt'***Settled by Tomlin Order***


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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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