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    • Yeah which I expected when paying early, I was just wondering if there was anything I could do with regards to the unaffordable loan?   sassy
    • Sounds like you passed the "attitude test" then. Hopefully you should be OK.
    • Thanks for your detail response,   my car was registered in Cambridge and incident happened in london, he asked i did told him i comes london quote often , he laughed and said probably cos of good food.   He didn’t said anything you say maybe given in evidence etc After that he said you know you jumped redlight and u must have read in theory test you should slow down as approaching to signal, i did politely said yeh i know tht but this time i didn’t realised and after that he just handed over my license and we both left…he told me it’s dangerous to pass junction like this…
    • @dx100uk - hi, started new thread here.
    • Name of the Claimant ? Hoist finance UK holdings  Date of issue – 05 May 2021   Particulars of Claim  What is the claim for –  1.The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted> 2. The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. 3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.    4.The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   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   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   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. Debt purchaser has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this claim).   What was the date of your last payment? 2014   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 a debt management plan? No       Starting a new thread following on from this thread.   Background:   Student account overdraft with Lloyds Last payment made was in 2014 Robinsons Way/Hoist contacted in late 2019 Asked for CCA 19th February 2020 Received communication stating they were trying to obtain CCA 23rd February 2021  Robinsons Way/Hoist said they would cease action until they obtained information from Lloyds Heard nothing from Robinsons Way/Hoist until the CCJ claim Despite the lack of relevant information from Lloyds as per the above, Robinsons Way/Hoist marked the account as defaulted on credit file 11th March 2016  No idea how they came up with this date if they don't have necessary paperwork from Lloyds   Here are the Particulars of Claim for the OD:
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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bt and their oh so wonderful customer service


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i received an email from bt yesterday telling me my 'deal' for broadband was coming to and end and they had 'special offers especially for me' on looking all the deals were more expensive than the one i had so did a price comparison check and booked broadband with another supplier to change on 8 mar....then had an email from bt saying i had broken the contract by leaving early!!! despite the email saying my deal was ending...anyway it transpires it is ending a month early 8 mar instead of the 8 may...now i dont mind paying for month which seems reasonable but they also want me to pay 55 quid for the router which i never wanted....offered to return said router but no...now does anyone think that this price is disproportionate and i should stand my ground and not pay it or pay it and say never again!!!

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i received an email from bt yesterday telling me my 'deal' for broadband was coming to and end and they had 'special offers especially for me' on looking all the deals were more expensive than the one i had so did a price comparison check and booked broadband with another supplier to change on 8 mar....then had an email from bt saying i had broken the contract by leaving early!!! despite the email saying my deal was ending...anyway it transpires it is ending a month early 8 mar instead of the 8 may...now i dont mind paying for month which seems reasonable but they also want me to pay 55 quid for the router which i never wanted....offered to return said router but no...now does anyone think that this price is disproportionate and i should stand my ground and not pay it or pay it and say never again!!!

 

Have you actually breached your contract with BT?. If not, there is hope :)

 

You can cancel / move provider with no early termination fee as a result of the price increase, BUT

1) You must have been notified formally of the increase, and

2) You must inform them of your wish to leave with no penalty within 30 days of their notification of the increase.

 

See:

http://www.consumeractiongroup.co.uk/forum/showthread.php?474458-BT-increasing-prices-while-in-contract&p=4994861#post4994861

 

In particular :

1) don't bother with online chat (they'll just tell you to call an 0800 number when they realise you can't be persuaded to stay)

2) don't use 0800 800 150 : they too will just tell you to call a different 0800 number or transfer you to the 030 number, and you'll have to start explaining from scratch........

 

call them on 0800 800 030. Record the call.

 

You'll be told all the wonderful reasons to stay with BT BT Wi-fi (we've got a fonera box....), BT Sport (Never used it), BT Cloud (Never used it), BT SmartTalk (might have been a reason to stay a few years back, now replaced by Skype/Messenger/TuGo).

 

Persist. Get them to agree you can leave without early termination penalty.

Assuming you want to transfer both your BBand and phone line to the new provider : Stress you don't want to cancel your line but migrate it to a new provider (so they don't stop your line preventing the new provider taking it over!)

 

Hopefully this should get them to "set the flag" on your account that you will be leaving penalty free. The only potential glitch will be if they decide that you've already breached your contract by not giving them the notice before arranging the move.

 

This subject has reminded me : time to check if my BT services have ceased, and if they have, if the new providcer's services have started .......

I called BT to give them notice of my intent on the 9th, and arranged with the new provider after speaking to BT ...... swap over day is today!.

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BT are putting their prices up so should allow you to leave early without penalty. This is from the email I got from them on 10/02/2017.

You don't need to do anything but if you want to change something or leave, and you're within your minimum contract term, you'll need to contact us within 30 days of receiving this email to avoid paying a charge for leaving early. You'll need to give us 30 days' notice to leave (or 14 days if you're switching to a new provider). We won't charge you for any increase in price during that time.

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