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    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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 CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   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? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
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WishPositivity

Dental rights

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Hi All ,

 

I've been with my dentist years and yet my teeth are in a complete mess , just as work was starting being done on my teeth my dentist left the dental surgery and now I've got a dentist who just sees me asks what is the problem and just fills any tooth ,

 

My back tooth needed extracting really badly and she said she had referred me to some place to have it taken out , as it was to complex for her to do , she said 3 months wait ,

 

It's been 10 months and my tooth is just horrendous ,well my whole set of teeth are ,

No matter what I do I've cut sugary drinks out etc but my teeth continue to deteriorate ,

 

I have to wait weeks for an appointment my front tooth where she filled it out where it snapped off , it fell off again and I've had to have ny front tooth in half for the last 6 weeks until I had an appointment

 

That appointment is on Friday this week , I wish I could tell her straight and ask her to please repair my teeth ,

Im nearly 40 and I've always wanted a nice smile I think it would help with the fact I don't go out

 

Any advice much appreciated

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She will probably refer you to their Dental hygienist who charged me £40 for half hr appointment for info I could get off the internet.!!!

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Most dental practices have more than one dentist, if yours does, you could ask to see a different dentist than the one you are currently seeing.

As an alternative you may also register at a different practice.


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I'd go along with martin's suggestion asking to see another dentist at the same practice, or find out when she's on holiday and get an appointment then.


 
 

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Hi WishPositivity

It sounds like you have weak teeth.Some are lucky and they last a lifetime.Some are not and they fall to pieces despite trying hard to look after them.

Also this can lead to many problems and pain at times.

 

I see you are nearly 40 now and you say they are deteriorating.

It sounds like you are going to need quite a lot of work done to them on and off for years to come.

I sometimes wonder is it worth it.

 

Have you thought about saying to the Dentist, any dentist i have had enough of this,whip them all out and have a nice new shiny set of Knashers instead of all this work.And expense.

And perhaps would increase your confidence.

Has the dentist told you why they have deteriorated.

I hope things work out for you,best wishes for the future.

Tawnyowl.

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Hi all

 

Thank you all for your advice , my teeth started deteriorating when I was drinking litres of Pepsi every day , that's why I stopped ,

 

My last dentist (the one that started work she gave me a porcelain tooth) she said make sure you come to all appointments so I can rectify them ,

 

But with my dentist at the moment not doing anything they will continue to weaken ,

 

 

I've said in the past that I'd just rather have the rest taken out and have false teeth but the dentist just laughs it off ,

 

I'm going to change my dentist to the place I live now

Thank you All so much

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Well done, vote with your feet when the service is that bad.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I'm not sure I'd ever opt to have all my teeth removed, however much pain I was in, without thoroughly researching what impact that would have for bone loss in the jaw and other consequences. It's not only cutting out fizzy pop that is important, but your entire diet and, of course, oral hygiene - long-term. I hope it all goes well.

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