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    • In the very first claim thread it mentions contacting the claimant is encouraged by the court etc. I was thinking about contacting them and asking about a Tomlin order to put an end to all this, at least I'd be able to stop worrying and maybe get some sleep (currently 4.52am) 😴
    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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 CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes   Did you inform the claimant of your change of address? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
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Hi

Does anyone know about using the 3 Letter process to challenge personal debts? I have heard this can be very effective?

Many thanks⁉️

nacro

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no that 's FmOTl twaddle

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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The 3 letter process is something dreamt up by FMOTL, and it is well left alone unless you want to lose hand over fist.

 

There are much easier and better ways in  which to deal with debt, and they are tried and tested.

 

Tell us the story and others can advise you on the correct way to deal with them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Bazooka Boo

This is helpful to know...

 

my own situation is that I have written to the two DMC requesting a CCA and Sars both for very historic debts sold by the Banks 6-10 yrs ago...

 

both say they cannot produce the evidence of the sale (DOA) but say I should continue to make my monthly payments as I have been doing for the past 6 years as it is possible these DOA will eventually be found.

 

In the light of this reply I now want to stop making my monthly payments.

Any advice would be helpful

Nacro

 

 

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they are not DMC's they are DCA's 

and an SAR to them is utterly pointless.

and you will never get to see the deed of assignment

that's a confidential business document not for your eyes.

 

sadly they are having you as a cash cow mostly because you've shown you know nothing about what you are doing by following FMoTl twaddle sites.

 

what are the 2 debts please

debt type

original creditor

amount 

defaulted date

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx100 uk

One is with Cabot originated with Lloyds 2004 and sold to Cabot in 2012 and current value £6500

 

the other is with PRA originated with Lloyds 1983  and sold to PRA  in 2013 and current value £ 7500...

 

.up until I requested a CCA and SARS last year Nov 2018 I have been paying an agreed monthly sum of £110 between them.

 

My own circumstances is that I am 73 yrs retired pensioner and now want to be free of these debts.

 

help and advice welcome

nacro😢

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they failed the CCA requests then?

why are you paying anything??

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks....I have stopped payments for the past 4 months but keep getting letter statements of how much I still owe!

Nacro

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That's perfect,

Simply file those computer generated missives in a drawer, and continue ignoring them.

 

Nothing they can do until they find those ccas.

 


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks

Is there any chance they will find the CAAs as these are historic??

nacro

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If they had them then they'd have sent you them, wait a while and see what tricks they might pull to bully you into paying.

 

Anything pre 07 then it's highly unlikely, you're doing the right thing by witholding payment, this will either force them to give up and resell it in another portfolio of toxic unenforceable debts, OR, make them trawl about in an attempt to find the CCA's.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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sorry you've been cash cowed for so long.

makes you wonder how many staff got free drinks at the bar or a holiday out of you all these years.

 

1983 not a chance in hell

 

2004 poss what is the debt type?

 

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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28 minutes ago, Bazooka Boo said:

If they had them then they'd have sent you them, wait a while and see what tricks they might pull to bully you into paying.

 

Anything pre 07 then it's highly unlikely, you're doing the right thing by witholding payment, this will either force them to give up and resell it in another portfolio of toxic unenforceable debts, OR, make them trawl about in an attempt to find the CCA's.

Thanks again👍

such a relief to know how these DCAs function....I now believe that after making payments over 6-7 yrs that the original debts (bought at a much reduced rate!!) has been paid off...however time will tell

nacro🌈

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