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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   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.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   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. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   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 ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   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 into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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aw248

Disability benefits: PIPs should be for 'really disabled'

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Disability benefits should go to "really disabled people" not those "taking pills at home, who suffer from anxiety", a key Theresa May aide says.

 

http://www.bbc.co.uk/news/uk-39097019

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Disgusting ignorant crap. This government just gets worse every day, and once we're completely cut off from Europe it will only get worse. :(

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What utter tripe......I rank the BBC and their morality second to that of the Daily Fail.

 

Their comments are purely designed to be just as divisive and inflammation as this government.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Have you heard about this gov white paper to come out?*

 

It's cane the disabled and vulnerable again.

 

https://www.opendemocracy.net/ournhs/debbie-abrahams/dangerous-new-changes-planned-to-force-sick-people-into-work-or-into-poverty

 

 

‘Dangerous’ new changes planned to force sick people into work – or into poverty.

 

DEBBIE ABRAHAMS 24 February 2017

 

The government promised to help disabled people back into work.

 

They’re failing – and now it looks like they’re targeting those who need higher levels of support.


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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They wont be happy till all disabled are wiped out!

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Talk about ignorant. As with any disability, you have some people who manage fine and others with the same condition who have quite severe problems. The name means virtually nothing.

 

They constantly say they're trying to give PIP to people most in need, which is a load of rubbish and I was lucky I didn't get into debt when they stopped mine.

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Oh what a showers this government is....

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Oh what a showers this government is....
Lib /lab/con are all the same underneath the only thing different is their name , they have to find money for their cultural enrichment /replacement program

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Awful. :(

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Similar happened to me - the whole process made me ill. I was made out to be a liar, my friend was and so was my GP and ENT doctor.

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Every person receiving Personal Independence Payments (PIP) will have their claim reviewed, the Department for Work and Pensions has said.

 

http://www.bbc.co.uk/news/uk-42862904

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The idea of PIP was supposedly to save money. Looks like they've managed to do the complete opposite.

 

Are we all going to be forced to go through the farce that is a face to face with ATOS?

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