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    • Sounds like you passed the "attitude test" then. Hopefully you should be OK.
    • Thanks for your detail response,   my car was registered in Cambridge and incident happened in london, he asked i did told him i comes london quote often , he laughed and said probably cos of good food.   He didn’t said anything you say maybe given in evidence etc After that he said you know you jumped redlight and u must have read in theory test you should slow down as approaching to signal, i did politely said yeh i know tht but this time i didn’t realised and after that he just handed over my license and we both left…he told me it’s dangerous to pass junction like this…
    • @dx100uk - hi, started new thread here.
    • Name of the Claimant ? Hoist finance UK holdings  Date of issue – 05 May 2021   Particulars of Claim  What is the claim for –  1.The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted> 2. The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. 3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.    4.The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   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. Debt purchaser has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this claim).   What was the date of your last payment? 2014   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 a debt management plan? No       Starting a new thread following on from this thread.   Background:   Student account overdraft with Lloyds Last payment made was in 2014 Robinsons Way/Hoist contacted in late 2019 Asked for CCA 19th February 2020 Received communication stating they were trying to obtain CCA 23rd February 2021  Robinsons Way/Hoist said they would cease action until they obtained information from Lloyds Heard nothing from Robinsons Way/Hoist until the CCJ claim Despite the lack of relevant information from Lloyds as per the above, Robinsons Way/Hoist marked the account as defaulted on credit file 11th March 2016  No idea how they came up with this date if they don't have necessary paperwork from Lloyds   Here are the Particulars of Claim for the OD:
    • Hi BankFodder, Thank you so much for taking the time to answer to my case. I have to say I always found great pleasure on reading eloquent mind like yours. Unfortunately my english is not by far as good as yours and I think few sentences on my previous paragraph might have been misunderstood. Apologies for that. I write in a rush, between one task and another, with two children grabbing my attention all the time, but you are right I should have taken more time to read through your forum. I did read though many of the cases reported (you see I don't even put the space in between the paragraph as you suggested to help people reading on small screen) and the only reasons I stated the 3 points in my second message is to tell you what is the position they have taken. I had read already about the insurance in your forum as well as the amount declared, but I was just reporting my case to you to have a full picture. It was naive indeed saying that the value of my items were £500, my bad. But I haven't changed the value 3 times like you mentioned. I firstly declared £500 when I paid for the service and then I declared £1200 when I filed for the small claim court (and recap all the evidence in my possess), so to them I actually just change the value once. Nevertheless my only worry was the fact that I had signed a contract with them where they stated (as reported in my previous message) they won't pay more than £300. But if you say that it's anyway their negligence of having lost my parcel (and of course I agree with you!), I am happy to refuse their offer and see where this is going. The parcel is lost and with it a lot of sentimental stuff, I guess I would feel better if I knew there was a bit of a fairer judgment. Although naive, I know that my actions were and are in good faith, I am not sure I can say the same about them. P.S. I also did claim interest when file for small claim court. One more thing, if this is going to court, do I need to get myself a lawyer?   Many thanks again for your help.   Kind regards, Anturia
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
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  1. Restrictions in Freedom of movement
  2. Being “Forced to work,” From Dawn to Dusk just to be given food to eat
  3. Not being allowed to accumulate and “Assets,” – Personal Possessions
  4. Being “Punished,” if you attempt to air an objection about this.

This is what I learnt in History and it is called SLAVERY.

  1. Being forcefully ejected from your home. Even though the piece of paper says you own it.
  2. Being forced to “Pay Additional Costs and TAXES,” while others not of your hue, Religion or creed are not told to.
  3. Being hearded into Segregated Areas for Education, Career, and Residences.
  4. Being denied “The rights of a naturalised citizen,” in the country you were born in.

This is what happened in South Africa, Germany (world war II), & South & Middle East.

It is called geneocide. We were and are told it is not right.

If you are being denied the RIGHT TO PURCHASE GOODS. Because the Banks, Finance Institutions are deliberately denying you those rights.


  1. To, have restrictions placed on your financial freedom so you cannot see a more profitable alternative for yourself.
  2. Being denied access to the Law and Legal Bodies to have SOMEONE/ANYONE to Fight for those rights in your corner.
  3. To be SICK AND UNABLE TO ACCESS a system that YOU PAID INTO via your NHS Taxes etc. And then to be told that because you are now classified as Disabled, Old or Mentally challenged and you OWN YOUR OWN HOME. That medical care facilities, benefits and assistance no longer apply to you. (Despite years of paying to a system which stated in was your insurance against the worst happening).

This is tyranny.



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What an extremely political and left wing post.


Moving to the Bear Garden.

Edited by Conniff
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My thread was not meant to be left wing extremists. It is a comment made by an ethnic minority born here and still treated with derision and disrespect by a system and a Prime Minister who is supposed to advocate equality and a FAIR DIVISION OF LABOUR.

As I have stated in the thread all the actions above have been put in place by Policies he has revoked or implemented in the last three years.

They have, taken our homes, put up our TAXES Council and others, have stated that we the 50 some things who are the ones becoming older and needing assistance in the future are not allowed to rely on a state system WE PAID INTO. Because those who have put the policies in place have made sure they ARE PROTECTED BY EITHER PRIVATE MEDICARE or better yet will be able to move from this country when help is needed in their old age.

I had savings against a rainy day. They took that by then stated, "Endowments Policy, whats that?" This was to off-set MY OLD AGE. I have a house, I want to leave for my grandchildren/child. Apparently they are now being told that if I am too old to be taken care of IN MY OWN HOME. They will forcefully remove my body to an OLD PEOPLES HOSPICE and they FORCE MY RELATIONS TO SELL THE FAMILY HOME TO PAY FOR IT!!!!!


My partner, fell sick and we asked for assistance from the local government as his pay was reduced to STATUTORY SICK PAY because he was on long-term ill health, a situation caused by being so stressed and exhausted at work to keep paying the bills and TAXES. He was at work, collapsed and rushed straight into SURGERY. He survived and for what?

As he strived to recuperate he got his wage cut down to £89.00 per week statutory sick pay.

When we asked the Local Authority for help (as directed by someone on this website, and a charitable organisation). THEY GAVE IT. THEN WANTED THEIR MONEY BACK as SOON AS HE RETURNED TO WORK. We negotiated as many did with the LIABILITY ORDERS.

The result is he now has to now try and PAY BACK to the LOCAL AUTHORITIES THREE TIMES MORE than they gave us under the guise of PENALTY CHARGES and Admin Costs etc.

Further to this and worse. We approached LEGAL BODIES to assist us in SORTING OUT THIS MINEFIELD OF A SITUATION we got told THEY WILL NOT GO AGAINST THE STATE. So go back to the Local Authorities.

I inspected the governments guidelines on such policies. I calculated that we should still be entitled to assistance as our wage is well under the governments qualifying guidelines. BUT THIS IS WHAT WE WERE TOLD.

Question: "Do you own your own home?"

Reply; "Yes,"

The Local Authorities reply; "Then No!, you are not entitled to assistance.”

So whether you think its left wing extremist or not. This is what is happening NOW AND TO UK's own PEOPLE. This is how us 50 some things are being treated and what we are subject to. AND THE LATEST BUDGETARY POLICY seems to cement it even more.

We are NOT ALLOWED to put away for our old age that that what we have is being stripped from us.


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Hi MoyesMW

You sure are angry.

And you have written down what you are angry about.Quite clearly and at length.

I personally would like to break your thread down a little.


From what i am reading you or the people you are writing about are about 50 odd years old.

Born here and of a ethnic minority.


Starting slowly trying to break down your thread little by little what ethnic minority is this.

I would like to do a little research.


Also starting with the first few points made.

1- Restrictions in Freedom of movement

Could you give me some links,news articles or anything so i understand more.


2 Being “Forced to work,” From Dawn to Dusk just to be given food to eat

Could you give me some info,articles that explain more to me.


3-Not being allowed to accumulate and “Assets,” – Personal Possessions


4-Being “Punished,” if you attempt to air an objection about this.


I want to know more,could you provide some articles that will help.

Quite willing to spend a little time on this,I have seldom seen such anger.

And want to know more,see what is happening.

Your thread is quite long, we have got to start somewhere.

Best wishes,hoping to calm things down a little and have a chat,work out what is going on.

Well you were here when i started writing now you have gone,hope to see you back soon.


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I may agree with some of the points but not sure this forum is the place for them unless there are specific issues that we can help with.

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I may agree with some of the points but not sure this forum is the place for them unless there are specific issues that we can help with.


And I agree, it also seems to be running along racist lines "It is a comment made by an ethnic minority ... "

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There is a level of corruption in this country, which is kept very quiet. It is not restricted to one political party.


Very occasionally you hear a politician hint at something and they say they will take it with them to their graves.


When you look at the Banking crash, the large firms of accountants, the credit reference agencies and the various regulators, proved to be totally inept or ignorant of the state the industry was in.


Look at the market rigging found in the City of London, where more has been done by US regulators, than any body in the UK. The issue with the HSBC office in Switzerland went away quite quickly. What other investigations have taken place, to see how widespread some practices have been. The UK as a major financial hub is protected by government, who are i am sure behind the scenes restricting the amount of regulation, so they can't look too closely.

We could do with some help from you.



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