Jump to content


  • Tweets

  • Posts

    • 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   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.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.
  • Our picks

Jknbeanstalk

VCS PCN April 2011 - now BW letter

style="text-align:center;"> Please note that this topic has not had any new posts for the last 978 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

 

I'm on a similar path to a lot of posters on the site

- having received a PCN back in April 2011, which was ignored as well as the various red letters that followed, I was surprised yesterday (3rd Dec) to receive the recovery letter from BW Legal.

 

It was a notification that 'your account has been passed to our legal team', usual £120 PCN + fees of £54.

 

This one was for Gallowgate, Strawberry Place, Newcastle upon Tyne.

 

I have read a lot of posts and much appreciate the advice, takes the worry away,

but just to confirm, what do I do now?

 

 

Ignore pending further letters or write back with the simple letter along the lines of:

 

"Dear Sir/Madam

Your Ref: ****

 

I refer to your letter dated ***.

I have no intention of paying the money demanded by your client and any court proceedings will be vigorously defended.

 

You should note that this charge is disputed and you must now refer this matter back to your client and cease and desist all contact with me. I will not respond to any further communication on this unless it comes from a court.

 

I trust I have made myself clear.

 

Yours faithfully"

 

 

Obviously the 6 years statute of limitations will arrive next April 2017, and as it is pre POFA per other posts part of me would love the chance of a day in court.

But confirmation of next steps would be much appreciated.

 

PS - I moved house a few years back yet the letter has come to my new address.

From reading other posts about default CCJs and old addresses I suppose I should be pleased it has?

 

Thanks

Share this post


Link to post
Share on other sites

yes you write

that will close the backdoor CCJ route

as they WILL do that

if you don't confirm where you now live.

 

 

you're on the ball

 

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hopefully they will then drop the matter but you may well get more letters claiming they know things that you dont so you should pay up anyway. They dont, they are just trying to wrangle money out of you without any reason to do so.

Share this post


Link to post
Share on other sites

Hi again, just by way of update today received a letter from BW stating my position is noted, and they will seek client's instructions to issue county court proceedings.

 

It really is bad form how these letters are worded, obviously enough people panic and respond with payment.

 

Is it worth getting into mail ping-pong with them from here? Also, CSA/SRA complaints - are these worthwhile at this point?

 

Thanks for the input.

Share this post


Link to post
Share on other sites

no not worth the effort

you've sent your statement

all you do now is see if they do issue a claim.

 

 

lots of threads here relate to ones they have.

 

 

do not ignore a claimform but you can anything else...


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Cheers dx, appreciated as ever,

 

If a claimform does land I'll log it here, just to give a timeline for other people in a similar position.

 

Also if nothing happens I'll log when the 6 years statute passes, again as a reference point for others.

Share this post


Link to post
Share on other sites

Yep they are seeking their clients instructions because they dont earn anything if no-one pays them.

 

their client knows that once you have identified yourself as a fighter they are going to lose money if they continue with this folly

 

so expect to get more dca threatograms rather than a court claim.

 

Cheaper for them and they are just hoping that you suddenly lose your bottle

Share this post


Link to post
Share on other sites

Any more news guys? The clock is ticking on this one and on my case.

Share this post


Link to post
Share on other sites

Nothing received whatsoever, I expected further letters but haven't received a single thing.7 weeks until the 6 years statute of limitations passes in my case

Share this post


Link to post
Share on other sites

They were hoping that you would bottle it, no chance of success for them as long as you dont keep shouting guilty in an Australian accent. That might not work either as it is well known that Aussies are liars.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...