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    • 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 these #Ankers 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)
    • On the MCOL site. I hadn't submitted the defence, but it was mostly filled in. I just left it on. I'll submit it by 15:00 today unless I hear otherwise. 
    • The letter from Drydens is asking me to respond to their letter:   "we will have no alternative but to apply to the Court to lift the stay on the proceedings in order to progress the legal action commenced against you."   Obviously I don't want to ignore it. 
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Payday loans - how far can I claim back?

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It is now June the 8th, My complaints submitted on may the 2nd, I have only have one settlement from peachy.


The other companies have not bothered to email me or make contact, How long shall I wait until I take it further?




You have 8 weeks from the send date until you can send to the FOS.

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Hi All,


Its been a slow process, the 8 week period will be up soon, I have one agreed and settled complain with Peachy,


LS have made a offer but I declined and asked for it to be review with my terms,


QQ have point blank refused any wrong doing, So I will be forwarding it to the FOS.


Can anyone please help me, how do i go about raising it with the FOS? do I simple forward the emails to them? re-write a letter etc?



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Right folks,


So far I have referred my complaint to the FOS for the following companies :

Lending Stream, Sunny and QuickQuid.


I reached an agreement with Peachy many weeks ago.


I am just waiting for a reply from:

Piggy bank (I doubt I will hear anything back, they emailed me once saying complaint has been received, and nothing more)


Uncle Buck

Mr Lender



On the 28th of this month, 8 weeks will have passed.

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The below are now with the FOS


Quick quiz

Uncle buck



Satsuma have just asked for more information ! I am away in Spain at the moment. As soon as I am cl I will submit satsuma and piggyback to the FOS.

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Its been a while!


Quick quid is settled, just under £2,000 refunded. The FOS ruled in my favour.


I still have 3 currently being investigated by the FOS

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Well done!!



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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Welcome back GW - Thats so great to hear :) It wont make up for all the pain youve gone through but its great to have resolution to it all.


May i ask you to consider making a small donation to the site. You dont have too, but you donating helps other people get the advice they need :)

Any donations go towards our server costs etc :)


Also keep us posted on your issue itself and let me know when you get other responses back.


Receptaculum Ignis


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