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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 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 BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  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, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   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 ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
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Wicked3610

CPP ANPR PCN - MOTO services at Donnington out of time?

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Hi all,

this morning I received a charge notice from CP Plus for staying too long at Donnington MOTO services.

 

I have to say I have never been before and was concentrating on where to park so never even considered a time limit.

 

Its not often I use services and assumed there would be plenty of time. I now know I was wrong.

I stayed 2 and half hours according to the in and out time.

 

It was about 3 weeks ago, so I cant honestly remember.

From what ive read they have to send the letter within 14 days - which it isn't.

so guessing I either choose to ignore or appeal on this fact?

 

1 Date of the infringement15/9/2017

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 4/10/17

 

3 Date received 7/10/17

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No - not that I can see anyway

5 Is there any photographic evidence of the event? Photo and timestamp of car in (12.21pm) and car out (14.55pm), also showing reg plate

 

6 Have you appealed? {y/n?] post up you appeal]

Have you had a response? [Y/N?] post it up

Not done anything yet

 

7 Who is the parking company? CP Plus

8. Where exactly [carpark name and town] MOTO services Donington Park

 

For either option, does it say which appeals body they operate under.

'operating in accordance with the British Parking Associations Code of Practice'

 

Apologies if I have done anything wrong, a lot to take in.

Any advice welcome as to my next step.

 

Edited to add: £100 required within 28 days, or £60 by 18/10/17

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Hello and welcome to CAG. The forum regulars should be along to help you later. As it's the weekend, please bear with us until our volunteers can take time out from their other lives to advise you.

 

I've edited your first post to reduce the font size and make it easier to read, I'm not sure what went wrong with it.

 

Best, HB


Illegitimi non carborundum

 

 

 

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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.

 

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Thank you, I have read that thread. So, for now I simply ignore the letter?

In that thread though the letter for DVLA was regarding inaccurate information, as in the date and time were wrong on the letter compared to the actual event?

Or most likely I have misunderstood the purpose of the letter to DVLA.

 

Sorry, new to this. Husband had a similar letter from an Iceland store car park few years ago and ignored the letter and subsequent threatening letters and never heard again, but this is new to me. I'm not so confident

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Well the reason for having to write to the dvla doesn't matter

Its the details of who and when

That's important


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

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Ignore their letter,

to answer will only encourage them to think they have you worried and they have a reason far chaisng you when they dont.

 

 

The timelimits are for creating KEEPER liability, not enforing a contract with the driver so dont give them any rope.

when they have exhausted themselves writing silly letters and decide to move on to court threats ( if they do)

then you tell them in writing they are timed out and to get stuffed.

 

 

At the moment you are in a position to sue them but again that threat shoud be saved until they can be seen to be harassing you by repeated demands. ( doesn't create the tort but does show they are greedy and stupid not to stop their actions so helps bump up the compensation)

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Thank you all for your replies. Yes, I will put it to one side for now. If and when I get more letters I will come back here if that's okay.

 

Thank you again for providing me with reassurance

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good, do not lose any of the paperwork,

they rely on that to help them make you feel as though you have to pay as you cant argue.

 

 

With the paperwork tucked away you can prove they dont have a claim.

 

 

You will alos have the ammunition to complain to the site owners about their "servants" telling lies and trying to chisel money out of people

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Just dropping to to add, got second 'reminder' letter today. As its past the 14 days, the charge is now the full £100. Ive added the letter to the first. Will update with any new letters

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Its been a while! Got another letter today from DRP (debt recovery plus). Im guessing the advice is the same and to keep ignoring? thank you

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Normally if DRP are involved, you're coming to the end of the letter trail. :) Ignore.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you. the last letter i got was back in November from CP Plus saying legal action pending. Had hoped they had given up. will add letter to rest of pile

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It's just the usual 'bluff and bluster' from Daft Recovery +.

 

Will you give us money if we threaten you?

Will you give us money if we say that we're going to come round and beat up your pet rabbit?

We may recommend to our client that they threaten you some more, and they'll come to your house and burn it down.

 

Then you'll get a final one that says (more or less) "look, we're getting desperate to part you from your money now, we're so amazing that we're giving you one last chance to contribute to our Christmas party fund and making you a 'Reduced payment offer', aren't we great!"

 

Let 'em waste their money, this isn't going anywhere near a court, and if it does, it'll be a grand day out for you as CPP will be paying all your expenses and if you play your cards right, a good chunk more besides.


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the advice regarding debt recovery agents is always the same IGNORE THEM. they have no interest in the matter so cant make any decisions or do anything regardless of what they say. There are cases where DCA's have sued and they have not even been given the opportunity to explain themselves in court- automatic dismissal with costs against them.

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It's just the usual 'bluff and bluster' from Daft Recovery +.

 

Will you give us money if we threaten you?

Will you give us money if we say that we're going to come round and beat up your pet rabbit?

We may recommend to our client that they threaten you some more, and they'll come to your house and burn it down.

 

Then you'll get a final one that says (more or less) "look, we're getting desperate to part you from your money now, we're so amazing that we're giving you one last chance to contribute to our Christmas party fund and making you a 'Reduced payment offer', aren't we great!"

 

Let 'em waste their money, this isn't going anywhere near a court, and if it does, it'll be a grand day out for you as CPP will be paying all your expenses and if you play your cards right, a good chunk more besides.

 

 

Haha, that did make me smile. thank you

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Hi all, its been a while

 

Today I got a letter from SCS Law saying I needed to pay the outstanding debt of £120

 

It says on it 'Unless our client receives full payment from you within 14 days, CP Plus LTD may take steps towards commencing legal proceedings against you by way of a Letter of Claim' then goes on to say if this happens cost will increase to reflect court fees etc

 

Do I still just continue to ignore?

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Dear SCS,

Re your letter -give reference number.

Date of alleged infringement-15/9/2017

Date of NTK - 4/10/2017

Date NTK Received -7/10/2017

 

If you do not understand this message please consult a competent solicitor or Citizens Advice.

 

Yours Faithfully.

 

PS Please also inquire about breach of Data Protection Act by CPP

PPS Please improve your due diligence .

PPPS I have assumed that you are an ignorant bunch rather than that you knew about the dates . ..........................

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Thank you for your response. So I should actually make contact this time, not just ignore it? Their is an email address that it says to contact them on, so I could just send a letter via email. Do I just literally need to state the issue with the dates as you have put it above? is their anything I need to quote at them etc. thank you

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Always send letters never emails, texts nor phone calls. You run the risk of being plagued with cold calls from all their cronies. And keep a copy of the letter so that should CPP ever be stupid enough to actually take you to Court [they are trying to frighten you into paying at the moment] you can go for exemplary damages there as they will then know that you know that their case is dead in the water.

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Very short and brief mind!! No waffle


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 

 

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Thank you both, will get onto it later when im a bit more awake - been awake all night.

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lawyers being paid to act as debt collectors with their threats of adding unlawful charges to a non-existent bill.

 

However, it can be worthwhile creating a paper trail so using the suggested letter would suit that purpose.

 

Let them charge their client for working it out rather than explaining it to people who go to university to learn how to rob people in latin

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