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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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Sunnyjet

Negligent financial advice

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Hi Guys,

 

I am newbie here on this forum.

 

I have been approached by the solicitor for Negligent Finance advise on the loan I have taken out back in 2006.

 

Told me that this is NO WIN NO FEE and I don't have to pay anything upfront but If I win the case I have to pay 25% fee.

 

Did anyone has used this service and especially on Negligent Finance Advise and how successful or unsuccessful they were.

I am really sceptical I may limp into one problem into other one.

Your advises will be much appreciated and thanks in advance.

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Hi.

 

Who are the firm please?

 

HB


Illegitimi non carborundum

 

 

 

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Waste of time ambulance chasers

Who's the loan with and why is it faulty?


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

 

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They dont do anything you cant do yourself. For free.


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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The Pure Legal Limited

 

The loan is with Swift Advances

Edited by dx100uk
merge/tidy

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think you need to type in swift

in our search CAG box of the top red toolbar and get reading up.

 

they are a very hard nut to crack

 

pers id never use ambulance chasers.

 

you cant hurt things by doing things yourself like sending swift an sar and get all the info they hold on you

then, you can decide with our help if things can be questioned.

 

wha do you think is wrong with the loan then?

did you send them any paperwork or tell them anything?


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

 

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Hi,

 

I have been told by the Pure Legal Limited that interest negotiated at the time and broker's fee may be given unfair disadvantage on my side, and it is true that at the time in 2006 when I took the loan out I was locked into paying monthly fee. I took secured loan of £22,000 and to this date the balance is still £20,000.

 

Secondly, the reason I took loan out because I had IVA back in 2004 for debt I incurred of £28,000, It was agreed with the Payplan that I should pay about £250 per month for five year to clear my debt.

 

Meanwhile, I received the letters from loan company saying that even if I pay my IVA the creditors will claim money from your property when you sell.

So offer them a fixed amount agreed by all creditors so they want chase you.

 

I was naïve and took their advise and paid them agreed amount.

But now I have been told by this legal company that advise given to you is not appropriate and broker and money lenders lock you into paying them forever.

I hope I made it clear but if you need any more info please let me know.

Edited by dx100uk
spacing

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its a secured loan it couldnt be included in your IVA.

it quite correct being secured that if you sell then the balance is owed.

 

as for the brokers fee, well that pretty standard.

 

there are 1000's here that still owe large sums 20yrs down the line because of the way swift calculate interest.

 

same as asenden , NRAM, blemain..don't think anyone has ever gotten anything back.

 

best to tell them to do one and do it yourself … get an sar running to swift.

 

dx


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

 

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