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    • 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.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
    • where did you buy the necklace? Might you have a bank statement or credit card bill showing it? (almost no one uses cash now!)
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Hi,

 

I have read a few threads and it seems the new one is ABu Dhabi City Bank are using Moriarty law.

 

Today I received a letter from them in the same format as other on here, the letter is very sketchy with dates and no evidence of signed agreements, copies of statements etc. 

 

The letter does state it’s a PAP which I need to reply within 30 days, however I left January 2011 and this is the first contact I have had from anyone regarding the alleged debt, can you use the 6 year statute barred rule on this?

 

thanks in advance.

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Dont think it is?

yes you must reply

we are aware of all these and a suitable response is in the pipeline.


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Ok I will wait to see the response you come up with dx

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Keeping an eye on these threads and similar, I had a standard phishing letter from Moriarty this weekend and expect a similar letter to others very soon. 

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Yeah it’s a new one it seems like from them, I have a letter drafted ready to send but will see if any developments here before I send

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we1606 create your own topic too.

 

chelsea

post your thoughts [pap reply form here]

always welcome input.


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

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My reply is asking for all information regarding the alleged debt, original statements/ agreements and asking if this has gone through the courts in the UAE, also asking if they have bought the debt or are acting on behalf.

 

Really nothing new from what I have seen on here before.

 

I was going to send the pap form back stating I am unaware of the debt in question and ask for the relevant information.

 

my only question is do I send the pap form from them or from government website as I think I read there is one there.

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moriarty aRE solicitors

solicitor cant buy debts

it will list their client

they are the owners

 

pap reply form is here

look at how we've constructed our reply to various types of debt already

adjust your to fit

then post it up.

 

bar the ownership you appears to be pretty knowledgeable and sensible

so your ideas could be very useful.

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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

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41 minutes ago, dx100uk said:

we1606 create your own topic too.

 

chelsea

post your thoughts [ pap reply form here]

always welcome input.

 

I will definitely start my own topic should it go as far as receiving a PAP like the other threads on here. 

 

I think Chelsea05 is right in their approach asking for all relevant information, the letter also refers to previous correspondence regarding the default. I know I personally have had no contact with ADCB since I have left so I would be asking for copies of such correspondence. 

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good show..

 

now just to be clear and because i'm pretty sure it is someone thats atleast already viewed CAG or been here with past UAE debt issues...…..is stating something quite wrong..ignore moriarty and their PAP letter of claim elsewhere ive been told.

 

you MUST reply to the PAP form.

 

this has ZERO to do with it being a UAE related issue.

its to do with the PROOF in the financial legal issues section of the sheer number of backdoor CCJ's attained by moriarty regarding other debts like old PDL's when people have moved.

 

dx

 

 


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5 hours ago, chelsea05 said:

My reply is asking for all information regarding the alleged debt, original statements/ agreements and asking if this has gone through the courts in the UAE, also asking if they have bought the debt or are acting on behalf.

 

Really nothing new from what I have seen on here before.

 

I was going to send the pap form back stating I am unaware of the debt in question and ask for the relevant information.

 

my only question is do I send the pap form from them or from government website as I think I read there is one there.

 

Is it also worth asking for details on the instruction by their client (ADCB). I assume there is no such instruction and my guess is that they are looking for a default judgement and then through one of their associated business buy the debt and try to enforce through the judgement 

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No, the claim will state who the claimant creditor is, which they declare Is correct.

 

Use PAP reply form on Government website.


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the pap reply form is detailed in post 8 link.

 

 


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

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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We1506 I’ve not heard of anyone buying debt from UAE to take people to court here in the UK,. Dx May have a better idea on this? 

Remember if such things go to court you have options like monthly payments etc if you lose and if it goes that far and it will be under UK law and not UAE. 

If mine does they have to explain a few things like how the interest over a small period of time is at £2000. 

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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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