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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      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.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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backdoor Hoist/Cohen CCJ - Barclaycard debt - set aside now need defence in 14 days

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I would be very grateful for some advice concerning a claim from Hoist Portfolio, originally connected with a Barclaycard Debt.


To cut a long story short, I have just had a court hearing and managed to get a judgment set aside, because they sent the claim to the wrong address, despite having the correct one on file.


its now set aside,


I have been told,

I now have 14 days to submit a defence to the original claim.


My defence is that there have never been any default notices issued for this debt,

there is no default date on my credit file,

and in fact it appears as settled in 2011.


I would like to know if this is a sufficient defence, or whether I will need other reasons.


Many thanks.


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  • dx100uk changed the title to backdoor Hoist/Cohen CCJ - Barclaycard debt - set aside now need defence in 14 days

 no its not 

the original creditor will mark the debt settled upon sale.

the debt still shows under the entry for the DCA/debt buyer...claimant.


tell us about the debt then we might find one


retitled and moved to the legal forum




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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I attach the entry on my archived credit report from 4/04/2017.

There was no other entry on the report for any DCA etc and there is nothing at all on my current credit file.


I have previously (2015) sent an SAR to Barclaycard and received just a blank copy of T&C's,

I then recently under the new GDPR rules asked Barclaycard for all my data.


They sent me a massive wedge of what seems to be internal system statements, this did also include a copy of the CCA from 2002. I have also asked the DCA for the default notices and no response.


I did pay an instalment of £60 a month to the DCA for 3 years (total £3000) up to the point when I sent the SAR in 2015 and did not receive a satisfactory response with no default notices. This debt is therefore not statute barred as far as I understand.


I stopped paying at this point, because, there is no clarity over whether the balance they are saying I owe is now correct or whether they have actually the right to collect it. Also, I have had large refunds in the past from two other credit cards where they didn't default the debt properly and I continued charging interest and charges etc. hese refunds took several years to come to light and be settled. 


yesterday (19/03) I attended the hearing to get this set aside (I submitted N244 for in January)  ,this was duly granted,  but now I have 14 days to defend the new claim.


It is not clear or satisfactory to me that this debt was ever defaulted at all or at the correct time,

that HOIST portfolio have the right to claim this ,

and what the balance should be 


I would be grateful if you could advice on the best course of action.

Please let me know if you need any further information.

Many thanks,



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Best to complete the following and copy and paste the Q,s and your responses back here rather than us all clutching at straws at what the claimant actually claims.




We could do with some help from you.



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If you want advice on your Topic please PM me a link to your thread

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