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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 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 £2792 2. Costs   What is the total value of the claim? £2977  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, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   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 ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
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Colzey35

Lowell solicitors chasing unknown CCJ - help please

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Morning

hope someone here can help

I'm in right mess

so much so I have no idea who I owe money to

and who I have paid off��

 

I've buried my head in the sand for to long but now it's starting to effect my health

 

I'm going to try and tackle this situation head on

 

but think taking them on 1 at a time

not sure I could cope facing them all at once,

I also need to look into ppi claims on top.

 

However this morning

about 15 mins ago I had a letter from Lowell solicitors saying they had not received £50 payment ordered

under the terms of the ccj amount of £1550 from their client lloyds

 

I had no idea it had been to court

I honestly thought this was dealt with years ago when I dealt with another debt company

and sent them a statue barred letter as no payment was made on the debt for over 6 years.

 

Also it says the ccj amount is £1550

but on the right of the letter balance is £1924.78

 

I'm so confused and have no idea what's best to do.

 

Thank you so very much in advance

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check Noodle/clear score free to use see if a CCJ etc is listed on there for starters, sometimes if you move and do not tell creditors that you have moved, they sell to debt buyer who then start proceedings at your old address if no correspondence from you?


:mad2::-x:jaw::sad:

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Thank you for the reply I've not moved for 10 years what is noodle?

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Also check the CCJ Registry...

 

http://www.trustonline.org.uk/

 

there is a fee.

 

Andy


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Ok thank you

 

I've registered with noodle credit score is very poor 1/5 or 455 average in my area is 612

I can't seem to see where the ccj would show

 

On my report Lloyds show in the closed account section with satisfied under it

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Check Trust register..this will determine if you do have a CCJ and then you get the details and investigate further.


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There is one registered on 8/1/14 for £1924 but does not say who is for

 

Sorry ignore that the claim number is the same I received on the letter this morning so yes it's lloyds

 

So where do I go from here just ring and arrange a payment plan ?

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So where do I go from here just ring and arrange a payment plan ?

 

That all depends on whether you accept the CCJ or dispute it..the fact that you was unaware and never received a claim form is of concern and could be a point to set a side the judgment and defend it...but only of you have grounds to defend it..if not and you are happy to start paying the judgment..then yes contact Lowell's and arrange a payment.

 

If you are not happy with the amount set by the court and wish to try to reduce it you can submit a form to the court (N245 in the Legal Library) and submit a fresh income and expenditure and a proposed monthly figure.(there is a fee of £50 to submit this form unless you qualify for exemption due to low income)

 

Andy


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Thanks Andy I'm pretty sure this debt was statue barred around 2012

so can I ask Lowell for details of when the last payment was received without acknowledging the debt

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However this morning about 15 mins ago I had a letter from Lowell solicitors saying they had not received £50 payment ordered under the terms of the ccj amount of £1550 from their client lloyds

Are you sure it says their client Lloyd's?

I expect the debt was sold on by Lloyd's and now has nowt to do with them anymore


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Have you ever made a payment to Lowell ?

 

No 100% never

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However this morning about 15 mins ago I had a letter from Lowell solicitors saying they had not received £50 payment ordered under the terms of the ccj amount of £1550 from their client lloyds

Are you sure it says their client Lloyd's?

I expect the debt was sold on by Lloyd's and now has nowt to do with them anymore

 

 

Yes it says client lloyds on the letter this morning

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No 100% never

 

Then it no use ringing Lowell...do you know what date it was assigned to Lowell ?


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You could ring LLoyds...and ask assuming you know the account/agreement number...ask when was the last payment or deposit and when was it assigned to Lowell's.


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Yes I have the account number it was on the letter I received this morning is it ok to call or am I best doing this in writing?

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Phone call is quicker...if they have assigned it they may fob you off...but if you can get a date that will roughly work out the assignment date...but its the last payment date that is crucial to you and whether you could then set a side on statue barred basis.


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Ok thank you so much Andy it really is much appreciated

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Update after speaking with lloyds

 

Account was closed and default was registered in 2009 and sold to robinsonway debt collect

 

They sold it on to Lowell on 22/7/2013

 

Last payment was made to the account via Robinson way on 21/6/11 for £33.00

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so wasn't statute barred then

do you remember making payments to the DCA?

 

 

cant see how lowells can say our client Lloyds

when they bought the debt in 2013


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now they have mentioned Robinson way that rings a bell so I I'll be ringing Lowell on Monday to hopefully arrange a payment plan

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why?

 

theres no rush

there not a lot they can do to you.

 

what puzzles is some of your answers...

 

Lowell would not have had Lloyds as their client [something wrong here]

 

robbersway and lowells are 2 totally different DCA's

 

so I would guess that you were paying Lloyds thru robbersway on the debt

before they sold it to lowells.

 

I'd be checking if that £33 in 2011 was the only payment or if there was a few before that.

 

do you know when you opened the account and what was it

loan, overdraft, credit card?

 

get your ducks inline first

before you start to cough up

 

sar time to Lloyds.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hiya thanks again so far for all the help after speaking to lloyds they informed me I paid Robinson way £33 a month for about 6 months with the last payment as above

 

In regards to the client my apologise it's says out client Lowell portfolio ltd and original client lloyds

It was a bank account with a monthly subscription fee for extra insurances

 

Also Lowell filed a ccj back in 2014 so I assume they can take further action for non payment of a ccj

Edited by Colzey35

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