Jump to content


  • Tweets

  • Posts

    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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 CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   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? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
    • I suspect the judge is giving you the opportunity to change [should your wish] anything in your initial defence now that the claimant has played their hand. it doesn't say witness statement but formal defence.   dx  
  • Our picks

firefox60

UK Student loans now In Canada

style="text-align:center;"> Please note that this topic has not had any new posts for the last 660 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 its been 12 years since I moved to Canada I did inform the SLC of my address.

I did not have to pay since my income was so low.

 

This year I have been receiving letters from debt agency saying that they have brought the debt and want me to pay it back.

 

I believe that the old loans are now statues bard and it should only be one or two of the new type which are still with me

 

This year they have been sending letters to my old address saying the they have been sold off again to a new debt agency.

 

I have been on disability for many years and dont have much income

 

what should I do

 

many thanks

Share this post


Link to post
Share on other sites

What years were the loans taken our ?

 

Any period of 6 years where you have not paid or deferred ?

 

Who is chasing ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

98 99 2000 2001

 

In the beginning they were deferred

then no contact since 2008

 

then the last couple of years letters saying that they had sent the loans to other companies

but did not responed to them for at least ten years

 

So longer then six years but the newer loans is different from the old ones I think

Share this post


Link to post
Share on other sites

Think you need to confirm the actual terms of each loan, as i thought only those pre 1998 could become statute barred.

 

If i am correct then when they catch up with you, there will be a debt from the date you did not defer. The debt will be the default amount per year from date to failed to defer up to now. They could enforce in Canada, but probably would not bother.

 

Are you returning to the UK to live ? If not, then ignore and get the person at your old address to return letters to sender, not at the adress.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

two where the old ones and two the new ones I think I dont have any documents about the loans long gone

I all ways put them back in the post with return to sender.

not to the UK but might to Europe

 

I dont know about the new ones from 1999 but the old ones should be gone since i am 57

 

he Government sold the £900 million pre-1998 loan book to Erudio last year.

Students with incomes under £28,775 a year have their repayments deferred,

while those earning over that amount repay in 60 equal mortgage-style monthly instalments.

 

 

Payments are primarily collected via direct debit and graduates with loans are required to have a direct debit set up in case they earn over the threshold.

 

 

The loan is written-off 25 years after graduating or when the individual hits 50 years of age.

Share this post


Link to post
Share on other sites

I read this to which I am

If a borrower can prove that they are permanently unfit for work, then the student loan will be written off.

 

You will need to submit two items of evidence supporting your claim:

Share this post


Link to post
Share on other sites

if its erudio arrows cabot chasing then ignore

they are all part of the same group

so they've not been sold around

 

 

if your education ran pre to post in a yearly course with no breaks

then even if there are the 'new style loans' the old loan rules apply

 

 

a DCA is NOT A BAILIFF


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

If you are back in the UK or will return, you should write back to whoever is chasing setting out the issues.

 

You have to understand that the DCA chasing these debts might not be totally aware of information regarding loan terms and at some stage they might just issue a UK court claim.

 

In theory this should not happen, if you advised of Canadian residency.

 

You might just want to get the matter cleared up properly, rather than let it drag on.

 

It might just cause you unecessary stress, when there need not be.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi all,

I was thinking about returning to the UK.

 

Since I have not had any contacted with the slc for over 8 years are all my student loans status barred

 

I know they sold two off and kept two

 

the two company's sent letters but I never answered

 

also I heard that if you took your first loan out and then the later loans where taken out under the new rules then they are covered under the old rules is that right??

 

Also I was at uni from 98 to 2001

 

many thanks

Firefox

Share this post


Link to post
Share on other sites

sold off 2 to whom?


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

Don't know never opened the letter just return to sender but did have an email from them but don't know who and was having letters from a different one too but don't know who.

 

One of the post marks were from Deutschland and the other from wales

Share this post


Link to post
Share on other sites

get that's usefull.


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

Sorry cant be more helpful like I say the letters I never open and put on return to sender not know at this address and the email I blocked the sender.

 

So do you think they are Status barred by now

Share this post


Link to post
Share on other sites

I think i'd worry about these IF anything further is sent to you

IF you did return perm to the UK.

 

if your not stuff 'em..

 

you certainly wont end up in debtors prison.


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

I am hoping to return to the UK this year. But I think they should be SB by now its around 10 years with out contact.

Edited by firefox60
info

Share this post


Link to post
Share on other sites

Suggest you find out loan terms before returning. Were they old mortage type student loans that would be SB or not ? SLC might be able to clarify.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

UPDATE

I sent an email to the UNI I went to and I started in 97 and finished in 2001

So the loans will come under the old rules since I took the first one out before 98 is that right and if so they are all SB with no contact in 8 years.

Share this post


Link to post
Share on other sites

yes

 

well done.

if they were concurrent years the old rules apply.

 

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

as post 7

whose the players writing and owning these now?


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

Do you have a link to any documents about this please

 

I don't know never opened the letters from them

 

Thanks

Share this post


Link to post
Share on other sites

= arrows=erudio...


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

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...