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    • well be careful if the debt is above £600 you could have HCEO bailiffs at your  and for the want of logging onto MCOL and typing just as your are here  - it could all be simply sorted.   dx      
    • well they do have an alternate, do nothing.   I cant see a past thread on this? why didn't you come here and ask for advice first?   all your threads have a nasty trait you still haven't got out of and that's blindly contacting DCA's    you have never earned above the threshold you should have simply sent a new SLC deferment form.   in a way I think you've paid this money under duress when you had no need too.        
    • Interestingly I've just had another alert on my Clear Score report:   Upcoming Updates A new credit or store card will be added to your January report. Organisation Name: BAIA0090 Account Number: ****9048 Company Type: finance house What does this mean? This could mean that you’ve recently opened a new account, or it might be because a lender has just shared some information relating to an old account. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. If you apply for credit now, lenders will see this update on your Equifax credit report. Now, this looks very much as if Hoist have taken my agreement off and transferred it to whoever BAIA0090 are.  I've not seen any new notice of assignement or anything.  
    • Sorry i am Not putting details in here. This bank i did have an account with in 1993. That is the last time i used them.   I am going to let them ccj me.   I am not going to even think about this any more. My bin will get the letters and my door will be ignored.   Thank you for the interest but i will waste time for another 6 odd years while i get my mind right All the best
    • Particulars of Claim (for Reference - not to be submitted with defence)   What is the claim for – the reason they have issued the claim? 1.The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no xxxxxxxxxxxx   2.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.   3.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 Defence   1.The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied. Whilst I have had dealings with Barclaycard  in the past I cannot recall the specifics of the alleged agreement.   4. Paragraph 2 is denied .I have no knowledge of who the claimant is nor have I been provided with any Notice of Assignment pursuant to the Law of Property Act 1925.   5.Paragraph 3  is denied.I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim .   6. It is denied that any amounts are due under any agreement.   7. On receipt of this claim I requested information pertaining to this claim from Howard Cohen & Co Solicitors by way of a CPR 31:14 request sent via 1st class recorded post on 19/11/2019.Further to the above I sent Hoist Finance UK Holdings 3 LTD a section 78 request via 1st class recorded post on 19/11/2019.  To date, neither Howard Cohen nor Hoist Portfolio are yet to furnish me with the requested information .   8.Therefore with the court’s permission the Claimant is put to strict proof to   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   9. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.6.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. (Defence mainly taken straight from Micky the Hippo's similar defence)
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Hi

I thought I would pop in and offer my opinion on this case as in my opinion a civil claim could be initiated. I am erring on the side of caution here as to not offer hope but tempered with warnings.

 

 

With criminal cases as Sidewinder has so eloquently put it are dealt with entirely separate from civil cases and what was discussed at Crown Court have no relation to this claim.

 

 

RLP have neither the skill nor the reputation to take this on apart from the threatening letters. They must think all their birthdays have come at one. As mentioned, ONLY the company that has suffered the loss can make the claim and they are not likely to use this 'little' company to begin any claim. They will use a proper solicitor with experience in these types of claim. With the amount of money that is involved, this (IMO) might just happen. It's a case of wait until a real solicitors letter comes through. If that does happen, it is better to engage with them than to ignore.

 

 

 

If your friend has no assets, it may be that they will suck up the loss but until/when that happens, we are non the wiser. If a claim does go ahead, the company (via their solicitor) they will have to quantify losses as they can only be placed back into the position had the incidents never occurred. I'm not 100% sure on this but a County Court judge may order compensation.


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If they're serious, then whatever they wish to convey will be committed in writing, NOT an email, block their emails and bounce them back.

 

 

If this is Jackie then I'd be mindful to haul her before the courts myself.


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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So it's the case of waiting it out longer for the real boys?

 

He has nothing to his name, only things he owns are his phone (contract) a bike which was taken out under finance with somebody else and his PC.

He works 30 hours on national minimum wage, doesn't drive and we rent our property.

 

Considering it took at least 5 months to have a reply from them, they're pretty uptight with their expected received replies.

We received a letter in the post today;

 

"Dear Mr XXXXXX

 

Outstanding amount: £XX,XXX.XX

 

Our Client: XXXXXX

 

We refer to previous correspondence in this matter. As you have failed to engage with us, we have carried out further enquiries which suggest that you remain at the above address ad are therefore choosing to ignore our correspondence.

 

Our client disputes that there was any agreement or comments made to the Court that they would not pursue the balance owed and accordingly has instructed us to continue with the claim for civil recovery.

 

If you maintain your position as previously, we would ask you that you provide us with evidence of your assertions, or in the alternative confirm your solicitor's details and provide us with authority so that we may liaise with them direct in this respect.

 

Ignoring our correspondence will not make the matter go away.

In the event that you do not engage with us, our client is entitled to pursue recovery of the outstanding balance through Civil Court.

 

In this instance an additional cost of £992.43 for the Court fee (if issued online), plus solicitor's costs in the region of £100.00 and interest at the rate of 8% per annum would be incurred. Our client would seek to recover these additional sums from you in addition to the original sums due.

 

Once the claim is issued, our client would seek a County Court Judgement against you for all the sums due and then proceed to enforcement of any unpaid amounts. If you choose to defend the matter, additional costs would be incurred.

 

Given the length of time that has elapsed, we would ask that you contact our Legal Department within 14 days to confirm your position failing which we shall discuss with our client further action as above, without recourse to you.

 

Yours sincerely,

LD

Legal Department

Retail Loss Prevention Limited"

Edited by dx100uk
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what have we told you about RLP...is it not sinking in....IGNORE

 

read it carefully they don't say WILL anywhere.

 

their client I will assure you is 100% unaware this is going on

silly Jackie is just chancing her arm you'll fall for one last try.

all she has done is studied old data and come the conclusion, as nowhere will any agreement be written down, that the client will dispute this agreement.

 

only THEY can do court and it wont be involving the fleecing RLP at ALL.

but their solicitors directly.

 

IGNORE OGNORE IGNORE


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It isn't that it's not sinking in lol, it's the mere fact that this isn't a poxy £50 thing like many have, which is easier to ignore.

 

As she won't have a response to this letter, what are the chances of her telling the client to go further after the 2 week mark?

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Doubtful she still has a client, if there was any merit in this then they would have sacked these clowns and employed a professional outfit.


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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by talking about 'a client'

all it means is their head office got spoofed into signing a stupid longterm contract for ALL their stores' reported incidents.

 

any file on someone's incident is auto sent to her i'e like you have found old litigation .

 

she can do bugger and all to recommend anything.

 

IGNORE


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I agree with the others here however, I would like to see these letters. Any chance of posting them up here in pdf format with every personal detail removed. Name, address, reference numbers and any barcodes/QI codes (the funny square boxes with shapes)

 

 

You are probbly nearing the end of RLP's letters when they will pass it on to their tame pet debt collector of the day (not many will work with them anymore ) These companies have even less power than RLP.

 

 

If there is to be anything serious happening, your friend should receive a Letter Before Action/Claim from a proper solicitor. It is at this time that he sits up and takes notice.


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Read upload one multipage pdf only please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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RLP can do nothing, even if instructed by their client to do so. The client can hre a lawyer but they wont be answerable to RLP and any costs added on are not the whim of Jackie. any deadline she sets is arbitrary and cant be eoforced by her nor anything read into the fact you choose to ignore her.

 

RLP dotn have a legal department becasue they dont need on as they cant actually do anything on that front.

ignore them some more and let us know if the store or their appointed solicitors write

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Easy win for the employer using the provisions of the Civil Evidence Act 1968, S11.

 

RLP : ignore. Don’t ignore a letter before claim from the employer or a real solicitor.

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maybe but there wont be made up costs added to the bill so any settlement may well be half of the amount jackie says is owed

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I don't have the first 2 or 3 letters at hand, but this was the most recent.

img01.pdf

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It's a silly phishing letter. Ignore it. They're hoping you get scared and contact 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..

 

 

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I agree. It is a different layout to ones I have seen before but in this case, it's worth it to them to personalise the letter however it is still just a threat-o-gram with no substance.


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they are asking you do agree to pay them so they can legitimise their claptrap. If you do nothing then they can do nothing other then pass the matter back to the "client". All of the expenses will be the same anyway so no benefit to you in engaging with them and I would say the opposite is true, they wont make money if you come to an agreeement with the original client so they will do ther damndest to keep you apart despite their words saying they want to help settle this.

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Little update:

 

After no replies to the letters, somebody from RLP knocked on the door this afternoon. I was on the school run so it was just my partner at home, he was apparently ex-police.

 

He knocked on the door, partner looked to see who it was then opened the door. The guy said "I'm not here to take anything, I'll go out the gate so we can talk away from the house". He gave his opinion that the case was a load of nonsense, he's read over everything and was originally due to come yesterday but he refused it becaise of his thoughts. He only came today to mark it as 'called'. He said the fact they were happy with his sentence plus punishment etc basically throws the whole thing out the window. The work placement would have covered losses with insurance and all proceedings will be going to RLP. He then continued to say "honestly, if you want this to end, all you really need to do is move house".

 

He handed over the most recent letter with his number on for my partner to contact him if letters continue and he will try his best to close the case.

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now go report them to the FCA/FOS/ICO etc they CANNOT do this .

was he from RLP....I bet not.


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Can you scan that letter up


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

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Can you scan that letter up

 

There is the same letter on the previous page. Only difference to the one from today is that he has handwritten his phone number and name, which I wouldn't be able to disclose.

 

now go report them to the FCA/FOS/ICO etc they CANNOT do this .

was he from RLP....I bet not.

 

That will be our next step, thank you for your help with all of this.

 

He had ID on a lanyard but couldn't visibly see any company. His handing of the original RLP letter gave him the assumption. I said it was probably a DCA.

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would be nice to findout who he works for


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I gather the number is a mobile I bet


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I gather the number is a mobile I bet

 

It is indeed a mobile. We have no alternative phone number to ring it either and I very much doubt he would answer to a private number if we withheld ours, so he doesn't have mine or my partners number.

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Could be a low level DCA theyre using, and the DCA decided to send someone out pretending to be from RLP


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

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wont rlp for sure

Jackie would never cross any official body..she'd get crucified.

lowlife DCA that knows no better sadly.


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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