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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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HPH2/cohen claimform - old tesco Mastercard debt***Settled by Tomlin Order***

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Hi :-)

 

 

I've just received a 'Letter Of Claim' from Howard Cohen & Co. Solicitors stating their client as "HPH2 LTD (Ex Tesco Personal Finance PLC)" also referenced in the letter as "Hoist Portfolio Holding 2 Ltd" regarding it's 'intention to issue proceedings in the County Court'.

 

It also says "Despite our client or it's agents, Robinson Way Limited..."

 

I believe my first course of action is to issue a CCA Request to the debt collector / client?

 

The problem is that I cant find a UK address for Hoist Portfolio Holding 2 LTD but have found a Jersey address. The UK arm appears to be Hoist Finance who in turn own Robinson Way.

 

Which of these companies should I write to with the CCA request?

 

It's in relation to an amount of c.£5,500 on a credit card agreement allegedly signed in April 2008

 

Thanks

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Slow down a bit...

Was this an rbs funded loan/card or tesco bank themselves?

 

Is this on your credit file?

When was you last payment?

When was it defaulted?

Have you moved since getting it?


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@dx100uk

 

Was this an RBS funded loan/card or tesco bank themselves?

tescobank.com credit card

 

Is this on your credit file?

Nothing for tesco (or RBS) listed using money saving expert free credit check (experian based)

However:-

HOIST PORTFOLIO HOLDING 2 LIMITED £5,430.00

13/11/2016 Default / Ended

Account started:25/04/2008

Current Status:Default / Ended

HOIST PORTFOLIO HOLDING 2

LIMITED

Credit Card/Store Card

£5,430.00 credit in use

Entry code C18

Account settled 06/03/2013

 

 

When was you last payment?

Unknown

 

When was it defaulted?

Unknown. They claim notice of assignment on 19/01/16

 

Have you moved since getting it?

No

Edited by dx100uk
Spacing

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Can you format that better please

 

And answer the Q's properly?


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Was this an RBSicon funded loan/card or tesco bank themselves?

A credit card issued by tescobank.com

 

Is this on your credit file?

Nothing for tesco (or RBS) listed using money saving expert free credit check (experian based)

However, please see attached screenshot from credit report

 

When was you last payment?

Unknown

 

When was it defaulted?

Unknown

 

Have you moved since getting it?

No

hoist.png

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god that's helpful

 

what does noddle say

 

can you not look up the last payment?


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I'm unable to look up the last payment as I have no paper records and online login details are lost/incorrect.

 

Noddle shows nothing related to Tesco, RBS or Hoist under closed accounts

 

Under open accounts it shows

Hoist Portfolio Holding 2 Limited

Balance: £ 5,430

Updated: 01/06/2018

Status: Default

 

Account start date 25/04/2008

Opening balance £ 5,430

Repayment frequency Monthly

Date of default 06/03/2013

Default balance £ 5,430

 

Balance history goes back to March 2016 with the same balance as above and shows Default each month all the way to June 2018

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forget the calendar section

 

so defaulted 3 june 2013

 

so will vanish from your file next year

know what bank account it was paid from

got online access or the statements for that account?


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re titled and moved to other institutions forum

please continue to post here still


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Yes, found most recent payment to Tesco Mastercard dated 25/09/2012

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good so SB'd in a few months

 

let it run


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OK, thanks.

 

No action on my part required. I'll post back with any developments

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no don't kick pram wheels simply invites pointless letter tennis

 

they've got to abide by PAP [so that takes +30 day

and then the CCA 12+2 working days...= WILL be Sb'd


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Whats my next step? And when?

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as post 11


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Apologies, I want to get this right and am not sure.

 

You say "let it run".

What does that mean and do you recommend any action?

If not now then at what point should I do something?

And what should that something be?

Edited by dx100uk
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yours is not the next move


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Many thanks :)

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Claim Form Received

 

Dated 01 Aug 2018

 

Claimant

Hoist Portfolio

Jersey

 

Address for documents

Howard Cohen and Co

Leeds

 

 

 

Particulars

This Claim is for the sum of £5430.50 in respect of monies owing under an agreement with the account number xxxx xxxx xxxx xxxx pursuant to The Consumer Credit Act 1974 (CCA).

The debt was legally assigned by Tesco Personal Finance PLC (Ex Tesco Finance) to the Claimant and notice has been served. The defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upong the Defendant pursuant to s.87(1) CCA.

The Claimant claims

1. The sum of £5430

2. Costs

 

Amount claimed £5430

Court fee £410

Legal costs £100

Total amount £5940

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Thread moved to Financial Legal Issues in view of your claim form.

 

Please read the following link and then copy and paste the Q,s and your responses back here to enable to the best advice on how to proceed.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**(1-Viewing)-nbsp

 

Regards

 

Andy


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Name of the Claimant ? Hoist Portfolio Holding 2 LTD

Date of issue 01 AUG 2018

 

defence by 31st aug

Particulars of Claim

1.This Claim is for the sum of £5430.50 in respect of monies owing under an agreement with the account number xxxx xxxx xxxx xxxx pursuant to The Consumer Credit Act 1974 (CCA).

2.The debt was legally assigned by Tesco Personal Finance PLC (Ex Tesco Finance) to the Claimant and notice has been served.

3.The defendant has failed to make contractual payments under the terms of the Agreement.

4.A default notice has been served upon the Defendant pursuant to s.87(1) CCA.

5.The Claimant claims

1. The sum of £5430.50

2. Costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Letter of Claim was received on 28 JUN 2018

 

What is the total value of the claim? Total amount £5940.50

 

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: 25 APR 2008

 

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.

It has been assigned

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I can remember

 

Did you receive a Default Notice from the original creditor? Not that I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I can remember

 

Why did you cease payments? Illness

 

What was the date of your last payment? 25 SEP 2012

 

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 planicon? I think I let them know I was ill. I had a few credit cards and cant be sure.

Edited by dx100uk
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You must acknowledge service by Friday 17th August before 4.00pm.

 

Friday 31st August is your defence due date..again before 4.00pm

 

Read the instructions contained in the pack how to register and do this on line.

 

Andy


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I guess I'm hoping for a court date later than 25 SEP 2018 in order to proceed with a Statute Barred defence?

 

Does this mean I can take my time before Acknowledgement, CCA, CPR 31.4, CPR 18

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I guess I'm hoping for a court date later than 25 SEP 2018 in order to proceed with a Statute Barred defence?

 

Does this mean I can take my time before Acknowledgement, CCA, CPR 31.4, CPR 18

 

See my last post revised dates

 

Sorry no...the clock stopped re statute barred on the issuance of the claim

 

CCA and CPR today...CPR 18 is not applicable to your claim..


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Many thanks Andy

 

I guess it doesn't matter so much now that I've no reason to delay but I made it Sunday the 19th of August and Sunday 2nd of September

Are the earlier dates due to the weekend?

 

I'll acknowledge service and get the CCA and CPR 31.4 sent out today or tomorrow

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