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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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Mick Mangle

NE parking 2 windscreen PCNs for same offence - outside bay - Hornby Road Blackpool

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Once scanned to pdf for safe keeping

the letter can have an argument with a shredder


please don't hit Quote...just type we know what we said earlier..

 

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I have sent a letter to the dvla as you suggested, looking through other threads I saw a template letter that  gave more information than I stated in the letter I sent. I cant find it now can you send a link to this please.

 

Am I right in saying that since we have received the final notice, we are waiting for a letter of claim?

 

I have not seen any other threads with the same problem as us, what defence will I submit?  I saw a list of possible defences on the post and I was a little confused by the wording.

Edited by Mick Mangle

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court? defence?

blimey those could be months even years away IF IF IF they raise a claim.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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You can only defend what they claim and as that is unknown because they havent you cant do much other than get paictures, check for planning consent, find out who owns the land etc, all research rather than defence

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Just received this today x2 for both tickets.

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removed 

better to redact your name?

 

what did we say about letters from DCA's??


please don't hit Quote...just type we know what we said earlier..

 

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Please advise what you said about DCA's there has been no mention of them in this thread.

parkdebto1.pdf

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you've been here since October.. have not done any self help by reading any other PPC threads here.??

 

a dca is not a bailiff and has ZERO legal powers on ANY debt no matter what it's original.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Read the last 100 threads and you will know the inside leg measurement of each of the usual suspects when it comes to threatograms.

You HAVE to know what is what becasue we cant be there if it does get to the last hurraha nd you have to speak about why they are in the wrong. Get cracking with your homework and show us the piccies etc

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