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    • well be careful if the debt is above £600 you could have HCEO bailiffs at your  and for the want of logging onto MCOL and typing just as your are here  - it could all be simply sorted.   dx      
    • well they do have an alternate, do nothing.   I cant see a past thread on this? why didn't you come here and ask for advice first?   all your threads have a nasty trait you still haven't got out of and that's blindly contacting DCA's    you have never earned above the threshold you should have simply sent a new SLC deferment form.   in a way I think you've paid this money under duress when you had no need too.        
    • Interestingly I've just had another alert on my Clear Score report:   Upcoming Updates A new credit or store card will be added to your January report. Organisation Name: BAIA0090 Account Number: ****9048 Company Type: finance house What does this mean? This could mean that you’ve recently opened a new account, or it might be because a lender has just shared some information relating to an old account. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. If you apply for credit now, lenders will see this update on your Equifax credit report. Now, this looks very much as if Hoist have taken my agreement off and transferred it to whoever BAIA0090 are.  I've not seen any new notice of assignement or anything.  
    • Sorry i am Not putting details in here. This bank i did have an account with in 1993. That is the last time i used them.   I am going to let them ccj me.   I am not going to even think about this any more. My bin will get the letters and my door will be ignored.   Thank you for the interest but i will waste time for another 6 odd years while i get my mind right All the best
    • Particulars of Claim (for Reference - not to be submitted with defence)   What is the claim for – the reason they have issued the claim? 1.The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no xxxxxxxxxxxx   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. The Claimant claims 1.The sum of £2792 2. Costs Defence   1.The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied. Whilst I have had dealings with Barclaycard  in the past I cannot recall the specifics of the alleged agreement.   4. Paragraph 2 is denied .I have no knowledge of who the claimant is nor have I been provided with any Notice of Assignment pursuant to the Law of Property Act 1925.   5.Paragraph 3  is denied.I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim .   6. It is denied that any amounts are due under any agreement.   7. On receipt of this claim I requested information pertaining to this claim from Howard Cohen & Co Solicitors by way of a CPR 31:14 request sent via 1st class recorded post on 19/11/2019.Further to the above I sent Hoist Finance UK Holdings 3 LTD a section 78 request via 1st class recorded post on 19/11/2019.  To date, neither Howard Cohen nor Hoist Portfolio are yet to furnish me with the requested information .   8.Therefore with the court’s permission the Claimant is put to strict proof to   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   9. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.6.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. (Defence mainly taken straight from Micky the Hippo's similar defence)
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Mjm998

Halifax credit card mishandling complaint. No statements for 31 months

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Ah.... thats why the statement stopped...its basically a bad debt and most probably transferred to their recoveries.They do not issue statements on bad debts as its most probably all ready been wrote off and tax claimed back against it.

 

Im very surprised its not been assigned to a DCA by now.

 

I think it would be prudent to send a request for the agreement using a section 78 request...lets see if they have an enforceable agreement.(template in our library)

 

Bank the £200 and once cleared send the above and see what response you get....then you can revue your own position on whether you want to keep making payments into a black hole.

 

 

Regards

 

Andy


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No,

they closed it because they wrongly marked it as having the card reported stolen.

 

They've owned up to all this in writing, and telling me I wasn't eligible for statements as my account was closed.

I never defaulted.

It got lost in their 'fraud' section,

account number was changed

and they just wouldn't fix it

(or admit any of this till I issued the SAR)

 

They cocked up big time and admit it in writing,

but FOS say £200 is reasonable for 31 months of mishandling

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Well I would still consider the above in view of the interest and your payments having no effect on the balance.


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trying to work out if I'm at the end of the road here.

 

 

The FOS email states:

 

I understand that Halifax should have provided you with statements and/or information as per legislation and the information issued by the UK Cards Association.

 

 

However, Halifax have accepted it did not provide you with statements with that information which in my opinion is reasonable.

 

So they have gone against regulations for 31 months but the FOS say admitting that is good enough. I'm guessing they win?

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Forget the FOS...take matters in to your own hands and do something constructive as I have advised above.


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Ok, thanks.

so if I send off for a copy of the credit agreement then what would I do next?

 

 

Im so sick of them getting away with treating consumers like Rubbish

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Already advised in post#26 above...but if they dont comply within 12 +2 days then you decide whether to continue to pay or reduce it to £1 a month


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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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