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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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Hi

Apologies in advance if I have posted in the wrong place..

Wondering if anyone could shed some light for me.

I'm self employed CIS have been for 5 years, having submitted my self assessment via my accountant 4 weeks ago with no refund or correspondence from HMRC I gave them a call to check progress, to be told I have been selected for a security check that would take another 8 weeks. My credit file shows that an identity check was performed by HMRC 3 weeks ago. Nothing to worry about just dont want it to drag on, anyone had this experience.

Thanks saff

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Hi.

 

You've posted in the right forum. :)  What does your accountant say about this?

 

HB


Illegitimi non carborundum

 

 

 

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Just that it's normal and nothing to worry about, and will have to wait the 8 weeks?

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Just wondering if anyone has had these checks..dont want it to get to the 8 weeks then them request more info...

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Hopefully your accountant has provided all the information they want, it's what you pay them for.

 

I don't know how many people we have who are CIS workers, hopefully they will spot your thread if they can help.

 

HB


Illegitimi non carborundum

 

 

 

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Thank you 👍

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Hi Saffy,

 

I doubt it's a "security check" and suggest this means either;-

 

i) You've been selected at random .......

OR

ii) You've been selected by a more focused process ......

 

...... and HMRC will look more closely at the accounts or figures you've submitted in your SA Tax Return  to 5/4/19.

 

They may asked your acct't for more details and/or documents to back up your declaration of income. However, as you're in the CIS deduction scheme, HMRC may be more interested in the expenses you've claimed as a deduction against income.

 

Ask your acct't to let you know when they hear from HMRC so they can tell you what direction the inquiry seems to be taking. Just be warned though, if HMRC are looking at your tax return and find "problems", your acct't may want to charge you up-front fees to deal with the inquiry.

 

Keep us posted please .........

 

:-)

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Depends on what sector you work in, they like to look at a number of people from certain categories on an almost rotating basis, one year it was just about every plumber in the country, then IT people and so forth.

Dont take it personally, they likemto try and shunt say all of the IT contractors into being employed rather than self employed so they get more tax and NI

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