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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   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.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £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   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.
    • 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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Citi, arrow, Cap quest remediation of account letters today?

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Hello all,

My very first post ever on here.

Please can I bend ears, pick brains as I'm confused about the letters I've had today.


Letters in my maiden name, I was married in 2003.

Debt amount 943.43


I understand the letters are stating they are a statement from year 2012 right through to 2018.

Stating they haven't applied interest or sent statements and I do understand this with an apology.

Original debt citi financial

Then it's saying passed or changed to arrow and now cap quest have got the debt.


I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search.

Didn't ring them back and thought nothing of it.


Today came home with letters with different dates from 12 to 2018.

Every single ccj or default has been lifted off my credit file 2 months ago.


Following a painful debt paying process I can honestly say this has blown me.

I'm worried.

I have paid everything and now I've got this.


On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made.....

This has thrown me and no idea what it means.


The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial.


If you require further info or for me type out what they say, each letter is the same, just different years.

However, each year is dated 1st May 2012, then 1st May 2013 etc.

Checked out the days unless they work on a Sunday....


The only letter that's different is one printed this week.


It's ref is remediation of account.

It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom.

Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you.


Further saying that a full review of my account and failed to provide me with statements since May 2011.

To remidy this, we have compiled all your statements.

On the what does this mean to you.

It states, this exercise does not affect your account, repayments or your obligations to repay.


If anyone knows what it means and what I need to do.

Not sure about this payment In 2013 either.


Not sure the action to take on this

Not sure the action they can take on me.


Thank you

Edited by dx100uk

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Ignore it. It sounds like an automated letter. Theyre also very well known for making up fictitious payments

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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Thank you renegadeimp..... I've got a recording app on my phone, I forgot I had it. Just listened into a message I've left. States a personal call for Miss...... I haven't been called that since 03. He sounded scary!

I won't reply to this, I won't answer my phone either. It seems since I've blocked them, they've contacted me 58 times!!!!!!

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Ignore all calls. If they were legit, it would be in the form of a letter. The fact that they dont hold any current info shows its a junk debt and theyre trying their luck.

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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I would suggest that these statements are just them catching up with a mistake CITI the original creditor has made when they have sold this debt onto the Arrows group [capquest are part of this group]


Arrows are debt buyer that purchase debts for about 10p=£1 then try and fleece the unaware out of the full amount with lots of scary letters and threats.

No DCA is a bailiffs

and have

ZERO legal powers.


now onto the important bit..


this phantom payment of £15 in 2013

its not unusual for DCA's to invent phantom payments to extend the statute barred date to within 6yrs.


are there and other payments showing prior to this?

in otherwords, if this payment was not listed your debt WOULD be statute barred [6yrs of no payment}?



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


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