Hoist Claim Form - TSB Lloyd trustcard Credit Card debt *** Claim Discontinued ***

[dx100uk]

 

how many digits are there is the account number?

 

date of claim?

 

[dx100uk]

that's not a credit card then.

it should be 16 digits

as usual hoist/robbersway or which ever trading name they want to use from their 'group'

haven't a clue what they are issuing a claimform but solely hoping for a wet pants panic payment/ignorance.

your problems started when you ignored a letter of claim.

 

go find the old letters they've probably issued the claim using their ref number not the OC's card number.

yes get a CPR running to cohen.

 

I would suggest this was sold on long ago hence you've been paying robbersway and their client was hoist not Lloyds from the get go.

check the letters carefully.

you should NEVER ring a DCA!! or their dogs on any debt.

 

.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked.
 click thru to the end
 confirm and exit MCOL.
.
 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]

 

 

 

 

[dx100uk]

if LLoyds were aware of your correct address then so were robbersway.

you should have received a notice of assignment if the debt when the debt was sold on

[dx100uk]

no Moorcroft don't buy debt are not linked.

 

are you sure this is a credit card debt

and not an OD debt or a loan debt?

 

 

 

 

[dx100uk]

don't be fooled!!

1.Claim is for the sum of £4xxx.xx in respect of monies owing under an agreement with the account no. ***** pursuant to the CCA 1974. 

 

IS the agreement number their rway ref number? - I bet not.

check another rway letter as you cant enter into a credit agreement with a DCA they are not creditors.

so either their poc is WRONG or you are.

 

 

[dx100uk]

due Monday by 4pm.

 

 

[dx100uk]

nothing to do with lloyds

its a dump from the fleecers CMS system and is NOT from LLoyds 

which is the evidence they must produce.

 

dx

 

[dx100uk]

the latter no

 

as for the account number, it might be worthy of a mention, but 

 

earlier you said:

 

As stated, I had two accounts with Rob Way (Lloyds) - both statements show different 16 digit numbers as the account number and different 11 digit numbers as a ref no.

 

so you are/were paying Lloyds via rway on two separate Credit card debts?, and it is one of these now being litigated??

[dx100uk]

as in most claimform threads here already

you should be selfhelping during the down periods on whats next.

 

yes to mediation

1 wit you

3 copies. 

 

[dx100uk]

as post 34

use the PDF version that andy pointed too post 35

 

ROYAL MAIL 2 copies [you should NEVER use email esp to a dca or their dogs]

 

YES to mediation [unless you filed an SB defence]

1 wit you

the rest is obv

 

one to the court

one to the claimants solicitor minus email/phone sig]

 

[dx100uk]

not that they'd lift your sig onto fake paperwork or file important docs via email 1 min before they are due...

 

 

[dx100uk]

prob an application form

no they cant change A/C numbers with tsb/Lloyds switching around

you have to agree to it.

bogroll I expect

[dx100uk]

it will say application form.?

 

 

[dx100uk]

bog and roll

 

no T&C's nor prescribed terms either and totally unreadable.

at telephone  mediation the same Q's are asked

you would then reply no they have not provided me with enough documentation to make an informed decision 

mediation would thus fail.

 

 

[dx100uk]

for a 1998 agreement it must be a true copy inc the signed agreement

not a chance !!

[dx100uk]

as post 46 then

[dx100uk]

yep

[dx100uk]

scan it all up inc the exhibits 

we don't need all the statements

but the 1st page of it will do to see where they came from.

 

remember one multipage PDF only please

 

[dx100uk]

quick notes:

you don't need to redact random parts of date entries

whats the crack with not bothering to redact any of the exhibits?? ive done them all now

 

seems like the writer of the WS is trying to craftily say they are going to rely on hearsay evidence and evidence from the CLAIMANTS not the ORIGINAL CREDITORS data systems for some very important [and potentially fatal to their claim] information: namely

 

the defaulted date para 10/11.. [from the claimants records]

 

crap WS 

you should win this easy

 

ive merged and uploaded all your other previous upload above too for ease.

 

dx

 

 

[dx100uk]

I suspect the judge is giving you the opportunity to change [should your wish] anything in your initial defence now that the claimant has played their hand.

it doesn't say witness statement but formal defence.

 

dx

 

[dx100uk]

nothing you can do can protect against the very rare judge lottery syndrome.

[dx100uk]

carey is not applicable

and even if it was....

your agreement is pre apr 2007 

 

forget doing their job for them.

 

 

[dx100uk]

yes it can be used by the lower courts BUT ...as SR said, it's [p'haps] relevant.....

 

i added p'hap's as you need to point out it's not in your case, the date of your agreement pre dates carey and the carey case is not retrospective to pre apr 2007 CCA act changes. this is an important point you need to make amongst the others about carey.

they always throw carey into the mix where they don't have the required paperwork and know it,

 

in your case they must produce the signed agreement for court enforcement regardless to the fact that, poss, under carey, what they have produced might be compliant under the consumer credit act . two totally different things.

[dx100uk]

sorry....that's because hippo asked the question and I didn't see it wasn't the op....

random questions are p'haps better asked on one's own thread...………………..

[dx100uk]

too right!