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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 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. 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. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   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 ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
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Need some advise

 

had bailiffs at my  door for some  parking ticket on a council car park 

Reason being on his notes he was looking for a person same firstname as mine but lastname colin     

even though my middlename is colin not my lastname

told him I'm not that person as that was not my surname he has on his papers   

 

after a few polite words to him he threatened to take my van  

1, its a work van     

2, im self employed  so need the van  for  work 

3 ,  the previous owner was ment to forward the v5 to me but didnt   

 

i called dvla and van comes back as unregistered owner

told me to fill a form in for new v5   

will be in my name not the name the bailiff has

example of what i mean  

 

Fred joe  bloggs      (  name )

Fred joe               (ballifs script ) 

 

Where do i stand 

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do you know you have a ticket ?

is this your ticket?

or his ticket?

and are you just being funny with them to get out of it?

 

you must admit, in the bailiffs eyes..its very unusual for old and new registered keepers to have similar names.

 

 


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No didnt  know  i had a ticket   and no  we both dont have same  name    if you  read  sample  name   my last   name  is not  on the script    my  first  name  and  middle  name  is on it   not my last  name   , when i brought  the van  i paid   a deposit  on it  but  didnt collect  van  for a week or so 

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that's what I said.anyway back to what I asked

could you have a ticket you don't know about?

 

is it from a council area you could have parked in

simplest way might be to ring and findout

if it was issued after you purchased the van and you have proof

then a simple statutory declaration might sort this .

 

so when did you buy the van

and what date is the PCN...do you know?

 


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Sounds like to me this may be for a different vehicle you owned at some point. The van isn't registered in your name so it couldn't be for that vehicle could it? Your name, whether your full or partial name, isn't linked to it.

 

I'd keep the status of the van as it is - adding your name to it now could cause problems.

 

Get as much info from the bailiff - creditor, ref numbers and so forth.

 

To be clear, you say the van is used for work - in what capacity is it used, ie for carrying tools, supplies etc, and what is it's value?

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13 hours ago, Cabbyescort said:

 

 

The previous owner was meant to forward the v5 to me but didnt   

 

i called dvla and van comes back as unregistered owner

told me to fill a form in for new v5   

will be in my name not the name the bailiff has

example of what i mean  

 

 

 

Can you explain your above comments a little clearer. It may just be me but I am confused.....

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You have to admit that the bailiff would be a bit suspicious about the names.

He's surely seen his fair share of people with 10 names mixing them up for different purposes.

Example: john mark colin edward william arthur smith wilson llewellyn burns

Driving licence: john smith

V5c: mark wilson

Insurance: colin llewellyn 

Council tax: edward burns

Etc. Etc.

As for some crazy reasons this is perfectly acceptable in uk, many smart ones do this deliberately to avoid accountability. 

Is this a case of someone taking your middle name from dvla as your surname?

Is this your ticket from another vehicle?

 

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When you buy a vehicle, the seller doesn't forward the V5 to the buyer. That's not how it works. They send it to DVLA with your details and DVLA issue a new one to you.

 

Sounds like that step failed - but is it of any relevance now? Who owned the van when the PCNs was incurred? That's the important bit, which you've not mentioned.

 

As for the name, it's trivial. They found you - you know it's you, and you know the vehicle the PCN was issued to is yours. The name issue is not significant. If they didn't get it from DVLA (since the vehicle wasn't registered) then it's no surprise it's not accurate.

 

Your problem is, they may clamp your vehicle to force payment. They way to prevent that is to convince them it's essential for work purposes, but then you have accepted your responsibility for the debt and they may try to enforce by other means.

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DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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All sorted now finally  sorted  and  yes  its  nothing to  do with  me   matter now resolved 

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