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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. 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.   3.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.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £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   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.
    • 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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9 minutes ago, cjcregg said:

 As a nation we're going to first have to decided whether that is acceptable or not and that alone will be difficult enough to resolve. And that's just one product.

 

Not anymore now that the right have manipulated voters into voting for a conservative dictatorship.

 

All of what you've said is just another worrying aspect of what the future holds 

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2 hours ago, Maharg1 said:

If an Aspirin cost a penny from the US and two pennies from the EU only a fool would buy the EU tablet.

 

and if and Aspirin cost a penny from the EU and two pennies from the US ...

 

 

So @Maharg1

 

tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy ...

 

If you would rather insist its 'taking back control' - justify that in relation to WTO rules, USA rules, etc etc and and specifically define the trade deals of course

But still define some real world benefit in your pocket benefit ..

 

 

Its been costed by the bank of England that Brexit has cost 880M a week to the economy so far for starters, far more than the total 'cost' of EU membership over the period, let alone actual cost of market access.

 

 

Perhaps also tell us ANY great deals you Brexiters have which are better than or even equivalent to the great world wide EU deals we have while you are at it.

We know about the sub standard bananas which could be labelled as 'premium' after exit, and some fish (err importing fish - what happened to UK fishermen?)

What else - something significant ...

 

 

Go for it .......

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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4 hours ago, Maharg1 said:

Which is what I said.  If the EU plonks 50% tarif on the Uk, we do the same to them so they have more to lose than we do.

But surely it’s relative. There are far more people in the EU so trade per head is different


Any opinion I give is from personal experience .

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2 minutes ago, Maharg1 said:

"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 

 

But can you answer the question, Marharg?


Illegitimi non carborundum

 

 

 

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"But can you answer the question, Marharg?"

 

No just as nobody can.  as it says in  tobyjugg2 signature

Quote OPINIONS unquote

 

Every single so called prediction is just guesswork and like the rest of us you will have to wait and see.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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I am so looking forward to the riches of freedom. :)


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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2 minutes ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

So name some then

 

as already asked

 

 

don't like the bank of Englands figures ...

https://www.scmp.com/news/world/europe/article/2152153/money-uk-has-lost-brexit-vote-exceeds-eu-budget-payments-study

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Maharg, perhaps you could help us to understand which type of Brexit Boris Johnson is going for please?


Illegitimi non carborundum

 

 

 

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What a silly question - he hasn't announced anything to the press or his party so how the hell am I supposed to know.


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So are you saying that you voted Tory [assuming you did] without knowing what kind of Brexit there would be?


Illegitimi non carborundum

 

 

 

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There is only one kind of Brexit and that is out.

 

I knew all I needed, that we would be free to make our own laws and not have some foreigner overriding what

our courts say.

I knew that we would be free to make all the trading contracts we wanted and not be told who we could trade

with by Germany.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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31 minutes ago, Maharg1 said:

we would be free to make our own laws and not have some foreigner overriding whatour courts say.

 

But isn't that what American born Alexander Boris de Pfeffel Johnson is planning to do - override the courts and make his executive above the law?

 

 

33 minutes ago, Maharg1 said:

 

I knew that we would be free to make all the trading contracts we wanted

 

 

So hows that going then?

Name some...


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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So he should, An Elected Government runs this country not some biased judge

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So you believe that a temporary PM should be above and beyond the laws of the land?

Have you any knowledge of henry 8th - you know - the dictatorial laws they want to impose?

 

and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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No, an ELECTED pm, elected by the country.

 

I didn't know Henry the 8th, I'm not that old

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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but if that PM is not bound by laws, they just change them at will

 

Look up Henry 8th

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't answer to you, your posts show that you already know everything, or think you do.

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So if anything I say is false,  challenge it with simple facts

as i do yours

 

.. if you have any that is ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't want to challenge what you say, i don't care what you say.

All I will say is Brexit here we come now all you remoaners can get on with your life.

 

No, they are a secret between me and Boris

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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@Maharg1

So you think Johnson (or Corbyn if he had been elected) should do what they want without any interference with the courts and UK law - effectively absolute dictators.

 

Have no real definition of why you support Brexit other than some long proven false right wing soundbites,

 

and think brexit is great for international trade deals despite not knowing of or about any (another dis-proven right wing soundbite)

 

?

 

So nothing but wind and 'second hand' water really?

 

 

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yea, whatever.  Throwing insults won't get you anywhere,


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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3 hours ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

so name some real ones then

 

A real easy start should be those trade deals you recently mentioned as being a driver

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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