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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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Has anyone else watched this fantastic man at work?

He truly deserves the title Super vet, Professor Noel Fitzpatrick


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Yes very good. Very expensive and he does not mention charges.

 

He recently said that the treatments are going too far in some cases, with animals being kept alive more for the owners benefit, than the quality of life left for the animal.


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Vets are expensive... pet insurance is expensive... my dog's insurance with Sainsburys rose from £18 to £56 over a five year period... when I tried to claim for a skin complaint, they turned me down, saying there was a pre existing illness... there wasn't, it was an ear infection which cleared up with treatment... They also acccused me of being out of time to claim... also untrue... I let them know when he started the treatment and because the drugs were new and only sporadically available, I didn't claim straight away... I would have been better off putting my money into a savings account... what a rip off! TB

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I can not get pet insurance for my dogs! Had to take my Weimaraner to the vets at the weekend and that cost me £100, most of that cost was for a blood test


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Owners are surprised/dismayed at vet costs because we're used to the NHS for humans. It's on a par with the price of private medicine, significantly less in some cases.

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As both my dogs are elderly ( both rescue dogs ) , ( one is nearly 12 and the other nearly 11 ) a lot of insurance places will not give you insurance, specially if they have ongoing medical problems.

 

Weimaraners get fatty tumours, ( something to do with genetics ) and most give no problems but some are cancerous, if you can move the lump then fine it is when you can not :(.

 

The vet wants my dog to have CT,MRI, X-RAYS etc costing up to £400 and she said even then the outcome may not be good.

 

I did watch The Super vet last night and the surgery on a Great Dane, I have heard him mention costs before and he has actually at times paid for the surgery himself .


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

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Vets are expensive... pet insurance is expensive... my dog's insurance with Sainsburys rose from £18 to £56 over a five year period... when I tried to claim for a skin complaint, they turned me down, saying there was a pre existing illness... there wasn't, it was an ear infection which cleared up with treatment... They also acccused me of being out of time to claim... also untrue... I let them know when he started the treatment and because the drugs were new and only sporadically available, I didn't claim straight away... I would have been better off putting my money into a savings account... what a rip off! TB

 

Owners are surprised/dismayed at vet costs because we're used to the NHS for humans. It's on a par with the price of private medicine, significantly less in some cases.

 

The Insurance for both my dogs jumped dramatically when it was confirmed they both had allergies. I took out a 2nd insurance via the vet. This covers them for all their flea / worming treatments - 2 check ups a year and a percentage discount off any item that is not already covered by their main insurance.

 

I worked out that the cost of the allergy serum and injections was not that expensive so I have cancelled the insurance for her as it was approaching £175.00 per month and they only pay out £100 if she were to die of old age or ill health. Obviously if there was an accident then they would pay out more. The younger dog is a little more adventurous so I am not going to risk him needing expensive vet treatment. so I have continued with his..

 

Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

 

I agree, it is amazing what they can do for animals now. I was at the Cambridge Vetinary Hospital a few years ago with my younger dog - he has a design fault (he isn't a dwarf, but wouldn't grow as large as his parents). He is a Jack Russell. The Consultant said that as Toby had the design fault then it wouldn't be necessary to treat him for the "Antebrachial deformity" which was causing his front paws to turn inwards. The cost however, would have been absolutely horrendous and the treatment positively medieval. Anyway, whilst we were waiting for him to be returned from x-ray - I was looking at the Success Board. Prosthetics for dogs who had lost legs/paws. Mobile support trollies for those who had serious hip deformities, absolutely amazing.


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It's not the cost of treatment, but the shenanigans of the insurance companies who look for any loophole they can to get away with not paying out.. Because of my low income, I am entitled to go to the PDSA, however, they refuse to continue to treat any unneutered animals and I won't put my dog through an unnecessary anaesthetic, having previously lost a healthy dog whilst it was undergoing a scan….TB

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As both my dogs are elderly ( both rescue dogs ) , ( one is nearly 12 and the other nearly 11 ) a lot of insurance places will not give you insurance, specially if they have ongoing medical problems.

 

Weimaraners get fatty tumours, ( something to do with genetics ) and most give no problems but some are cancerous, if you can move the lump then fine it is when you can not :(.

 

The vet wants my dog to have CT,MRI, X-RAYS etc costing up to £400 and she said even then the outcome may not be good.

 

I did watch The Super vet last night and the surgery on a Great Dane, I have heard him mention costs before and he has actually at times paid for the surgery himself .

 

I read somewhere that there is a scheme which vets can join and they can provide you with a loan for expensive treatments… TB

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Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

 

I agree… I definitely wouldn't want to put a pet through chemo… it's very sad but you need to do right by them so that they don't suffer.. sometimes that means having to let go. TB

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I worked out that the cost of the allergy serum and injections was not that expensive so I have cancelled the insurance for her as it was approaching £175.00 per month and they only pay out £100 if she were to die of old age or ill health. Obviously if there was an accident then they would pay out more. The younger dog is a little more adventurous so I am not going to risk him needing expensive vet treatment. so I have continued with his..

 

Hi CitizenB… Did you ever find out what your dog is allergic to? Mine is not seasonal, not food… was wondering about house dust mite. He has been on a new immune suppressant called Apoquel, but although it worked great at first, he has started to scratch more and more again… I'm thinking of trying something called Respit… is that the serum you mention? more importantly, is it safe and does it work? I am very reluctant to keep my dog's immune system damped down, especially as he gets older and more susceptible to infections… but I can't bear to see him scratching away… I will do ANYthing to find him some relief! Dreading the summer… not pollen but Adders… I've had THREE dogs hospitalised in the past… the horrible things are in my garden, waiting to pounce on the dogs... TB

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Hi CitizenB… Did you ever find out what your dog is allergic to?

 

Indeed we did - according to our vet I have two 21st Century dogs - allergic in varying degrees to house dust mite - grass - pork (although neither of them have eaten this, it is apparently in a lot of dog foods)

 

Toby the JR is also allergic to dandelion

and Amber, the Goldie is also allergic to the dry air caused by central heating.

 

They have monthly jabs which work very well, although in Amber's case it took nearly 2 years for the vaccine to become effective.

 

I have to be honest, I dont know the name of the vaccine - but I will ask when I go next. Yes, it is very safe and there have been no side effects whatsoever.


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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That is very scary about the adders in your garden !


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2: Does your Bank play fair - You can force your Bank to play Fair with you

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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We also use a shampoo called malaseb for them both. That helped reduce the itching before their allergies were catalogued.


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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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pork (although neither of them have eaten this, it is apparently in a lot of dog foods

 

 

Manufacturers have to put a minimum 4% of the 'named' flavour meat in their product but the rest can be anything else and it doesn't have to be the same recipe for every batch. Beef flavour will have a minimum of 4% beef and the rest of the meat content can be chicken on one run and pork on the next. This is one reason animals will suddenly appear to become intolerant to a food which has previously suited them. The only way round this with manufactured foods is to buy a brand which guarantees novel protein content ie only beef or only chicken. It does cost more but it isn't as expensive as the vet and a lifetime of drugs and there are manufacturers/suppliers who make good, novel protein foods at reasonable prices. I have a 'sensitive' GSD who hasn't had a skin outbreak since I went novel protein and wheat free.

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but I can't bear to see him scratching away… I will do ANYthing to find him some relief

Have you tried the Dermacton range? Not cheap but I know owners who swear by it.

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Wow… thanks for all the posts! I shall definitely look up Dermacton and the novel protein route… (Any more info on that would be greatly appreciated)...I am already using Malaseb twice a week. At one point I spent weeks living on beans on toast so that he could have duck fillets, sweet potatoes and green beans all freshly cooked… didn't stop the itching but he certainly looked forwards to dinnertime! I have tried raw, and again, it didn't make any difference and he wasn't too keen… the other dog throws up raw stuff, too. I have tried really expensive (£2.50 a can) Lilly's Kitchen, but nothing seems to work, so I really think it could be a house dust mite thing… I have very litre in the way of soft furnishings and mop and hoover our hard floors. The vet even suggested that he may be allergic to the other dog's dander! I had to laugh at dandelions… never heard of that one! But it's really no laughing matter when your dogs can't rest. The Apoquel works up to a point, but he gets flare ups and hot spots… I have been using a steroid cream on him this week…The last vet consultation was £120… my income is about £140 a week… so what with the insurance premiums and the Apoquel, I can hardly afford to eat. I would like to try the serum and vaccine… just worried that his immune system having been damped down for so long will go into overdrive with the vaccine… many thanks again for all the advice to help my dear little dog. I will let you know how I get on. TB

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That is very scary about the adders in your garden !

 

I hate the nasty things… I am so nervous about the dogs being bitten as I am half an hour by car from the nearest vet… a bite can kill in minutes, especially when it involves the face… they ALWAYS bite the face. I have been 'lucky' so far as we manage to stabilise the dogs in time… but it always involves the dogs being put on a drip, etc...… just awful, and so expensive, too!:-( TB

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pork (although neither of them have eaten this, it is apparently in a lot of dog foods

 

 

Manufacturers have to put a minimum 4% of the 'named' flavour meat in their product but the rest can be anything else and it doesn't have to be the same recipe for every batch. Beef flavour will have a minimum of 4% beef and the rest of the meat content can be chicken on one run and pork on the next. This is one reason animals will suddenly appear to become intolerant to a food which has previously suited them. The only way round this with manufactured foods is to buy a brand which guarantees novel protein content ie only beef or only chicken. It does cost more but it isn't as expensive as the vet and a lifetime of drugs and there are manufacturers/suppliers who make good, novel protein foods at reasonable prices. I have a 'sensitive' GSD who hasn't had a skin outbreak since I went novel protein and wheat free.

 

Really, only 4% is that not misleading the customer ?


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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I hate the nasty things… I am so nervous about the dogs being bitten as I am half an hour by car from the nearest vet… a bite can kill in minutes, especially when it involves the face… they ALWAYS bite the face. I have been 'lucky' so far as we manage to stabilise the dogs in time… but it always involves the dogs being put on a drip, etc...… just awful, and so expensive, too!:-( TB

 

Is there no way of getting rid of the adders ?


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is there no way of getting rid of the adders ?
No… they are a protected species! (That doesn't stop my neighbour from chopping their heads off with a spade..) But if I could find a deterrent, I would definitely use it… someone said they don't like the small of Jeyes Fluid… I'd be reluctant to go pouring poison all over the place though as we have lizards, slow worms, newts and other wonderful wildlife here… The anxiety I feel at the though that my dogs will be bitten is overwhelming… enough to make me want to move away… TB

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