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    • Just posted up the POC. 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.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 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 £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £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          
    • 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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B_B19

Robinson Way, CCA Return for old Burton Card

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I have recently had a CCA response from Robinson Way, regarding an old Burton card account. The CCA they have sent however relates to another older and closed account in my name, as the account numbers are different.

 

Just wondering what the best approach is now.

 

They have resumed collection activities but at present just threatening to send e-mails, letters & phone calls.

Is it worth responding at the moment to point out the error or should I just let it run it's course for a while and see where it goes?

 

Any advice would be appricated.

 

Many thanks.

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I'd be ignoring the silly little children.

 

How old is this Burtons agreement?

 

Guessing it doesn't show on your CRF anymore?


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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They have resumed collection activities but at present just threatening to send e-mails, letters & phone calls..

 

And that's all it is, idle childish threats, however when they do start their criminal offence of harassment, you can then take them to the cleaners.


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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Haha thanks Bazooka Boo :lol:

 

Ignore them I will then. I've already blocked their phone number and their threat to call me at work is pretty empty considering they don't know my place of work.

 

Both the accounts are no longer showing on my CRF file so there is nothing to worry about there.

 

How long would you say before it's harrasment? I've had an e-mail & a letter in the past week or so, so I don't think it's that bad at present.

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why did you send them a CCA request?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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It was an account that was on a DMP for years but I started self managing it, so sent off the CCA request & stopped making payments at the same time.

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so you put a 16 digit number on your CCA request

and they've sent back te other one?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Yes that’s right the account numbers don’t match. The CCA returned is from 2000 where as the transaction list starts from 2005. The transaction list is for the account number on the CCA request but the CCA is not.

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Their threat about contacting work. Was it in writing or over the phone


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Re contacting work - it is in writing.

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Tut tut. They're not allowed to do that :)


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok thanks good to know, I don’t think I’ll raise it though at the moment, I’ll just see what happens, from as far as you can tell it can’t be enforced as things stand.

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it would seem for the past year Robinson Way have been content in sending me the same letter all of which I have not responded too.

Due to the fact they have not correctly satisfied my CCA Request because the copy CCA sent does not match the account number they refer to.

 

I have today however just received a letter advising that the matter has been referred to their re-connection team who are going to review the matter with a view to a home visit.

 

Just wondering if anyone could let me know the correct approach to take?

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ignore them. If anyone turns up, tell them in whatever way you want to get lost or youll call 101.

 

Those letters are very likely automated and no human apart from you has read them.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Re-connection team!!!! That is hilarious, almost as good as their pre legal departments, what utter imbeciles, no wonder they're the laughinb stock of this industry.

 

 

 

Just ignore the fools, alternatively give them a call and ask what biscuits do they want with their tea.


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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eh..you hold these 2 wires a minute mr DCA at my door and i'll reconnect you..


please don't hit Quote...just type we know what we said earlier..

 

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eh..you hold these 2 wires a minute mr DCA at my door and i'll reconnect you..

 

 

:flame:


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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Haha ok great thanks guys. Yes I'm not sure why they keep sending these letters, it's probably cost them close to the amount they allege I owe already :roll:

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