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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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    • 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.
       
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      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.
       
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MPs and others call for Trump's state visit to be cancelled


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After his retweet of Britain First videos and attack on the PM and British values [sent to the wrong Theresa May], there are increasing calls for him not to come here.

 

https://www.theguardian.com/us-news/2017/nov/30/evil-racist-how-the-uk-reacted-to-trumps-theresa-may-twitter-attack

 

https://www.theguardian.com/commentisfree/2017/nov/30/britain-demand-apology-trump-cancel-state-visit-theresa-may

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Illegitimi non carborundum

 

 

 

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Another concern is that the government are relying on a special relationship with the US to negotiate a trade relationship after Brexit. It doesn't sound as if Trump is a true friend to the UK.

Illegitimi non carborundum

 

 

 

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Trump seems a bit unhinged to me. Not sure he is a rational person, that thinks about many issues in a way that most would follow.

 

The Republicans probably want to impeach, but not yet. Trump is loosing support and they are waiting until the right moment.

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I agree about his mental state, UB There's a growing opinion in the States that he's 'not well', according to the Guardian.

 

My personal feeling is that HRH shouldn't be subjected to meeting someone this unpleasant. The best hope seems to be the threat of massive demonstrations against Trump. Or impeachment, as you say, the grand jury seem to be accumulating a lot of evidence

Illegitimi non carborundum

 

 

 

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I remember the state visit by Mikhail Gorbachev as he visited by place of work. A collegaue was handing out badges saying "I gawped at Gorby" to those of us on the sidelines.

I think that Theresa May's comments about the lack of a set date for the visit is very telling. During the war French people would indicate the presence of Germans by saying on the phone to those who wanted to know about such activity "you MUST visit, things are very quiet here". or say how pleasant the weather was.

I am also suprised Trump is still in the job becaue I thought he might walk when he couldnt get his own way nor silence his critics.

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So what about the fact that activities as demonstrated in the videos are occurring within the RoP?

 

Why aren’t we discussing that?

 

It might be better to start a separate thread on that, disguntled.

Illegitimi non carborundum

 

 

 

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I say let him come! Once here, he will get the message that his views do not correspond with people of this country and he should then slope off with his ears ringing. Anyone that describes themselves in the third party is (IMO) a biscuit short of a full pack.

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I say let him come! Once here, he will get the message that his views do not correspond with people of this country and he should then slope off with his ears ringing. Anyone that describes themselves in the third party is (IMO) a biscuit short of a full pack.

 

 

He won't, he is a narcissist

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Another concern is that the government are relying on a special relationship with the US to negotiate a trade relationship after Brexit. It doesn't sound as if Trump is a true friend to the UK.

 

There is no special relationship with the USA when are people going to learn it is a politician myth, they are living in the past can people not see that?? they are more linked to the French( when they are not running away).

:mad2::-x:jaw::sad:
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I agree with you, OC. The US seems to pick us up when we can be useful [like when they're waging war] and then drop us again.

 

Was it Obama who said we'd be better sticking with Europe than trying to forge ties with the States?

Illegitimi non carborundum

 

 

 

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quite, didn't the french help them v the brits. when britain was also v france.

but, how far back should it all go. what is the history.

it seems its all going to pot.

Major Kong statement now re.

:)

IMO

:-):rant:

 

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:)

Trumps statement re israel

Major Kong (dr strangelove) is since a metaphoric term used for someone who seems 'gung ho' (putting it mildly)

IMO

:-):rant:

 

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I see what you mean, sadly.

 

He seems hellbent on destabilising the Korean peninsula and East Asia and now the Middle East - and he hasn't been in power for a year yet. I'm praying they impeach him soon.

Illegitimi non carborundum

 

 

 

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certain matters do need to be addressed eg n korea etc.

it's just that the apparent 'maj kong' way seems a bit off, as in such cases it is usually joe public who ends up suffering when things kick off.

it does seem as if the current investigations are trying to lead up to a poss impeach. but whether it will actually materialise, i don't think it will. (just like May is still pm).

IMO

:-):rant:

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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