Jump to content


  • Tweets

  • Posts

    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Hoist claimform - ex barclaycard Debt *** Claim Discontinued***


Nurselayer
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1120 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

I'm after some advice.

 

A while ago I got into debt (nearly £3k) with Barclaycard and had no way of paying it off.

I buried my head in the sand and did nothing.

I assume that at some point they issued a default notice but I have no idea when this might have been.

B'card obviously sold the debt to someone else

 

I have had a letter from Robinson Way offering a "reduction" on the debt if I pay £300.

They say that they won't ask me for any more money and will mark the debt as "partially settled" on my credit file.

 

What should I do?

I do have the ability to pay this £300.

How do I go about contacting them in a way that makes their offer binding.

 

I am worried that if I phone them and pay by card that they'll say that there was no agreement and they'll keep chasing me etc.

 

How do I find out when the default notice was issued?

If it was more than 6 years ago,

does that mean that the debt is no longer recoverable by them?

If so, will it come off my credit file?

 

If I do pay,

will that reset the amount of time that a note will stay on my credit file,

or will this debt automatically fall off

(settled, partially settled or outstanding) after 6 years?

 

All advice/information greatly appreciated.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

Hi all,

 

I'm after some advice. A while ago I got into debt (nearly £3k) with Barclaycard and had no way of paying it off. I buried my head in the sand and did nothing. I assume that at some point they issued a default notice but I have no idea when this might have been. Check your credit reference files

B'card obviously sold the debt to someone else and now I have had a letter from Robinson Way offering a "reduction" on the debt if I pay £300. They say that they won't ask me for any more money and will mark the debt as "partially settled" on my credit file.Partially settled is no better than defaulted

 

What should I do? Ignore them I do have the ability to pay this £300. How do I go about contacting them in a way that makes their offer binding. I am worried that if I phone them and pay by card that they'll say that there was no agreement and they'll keep chasing me etc. Of course they will

 

How do I find out when the default notice was issued? see above If it was more than 6 years ago, does that mean that the debt is no longer recoverable by them? If its statute barred yes If so, will it come off my credit file? Yes it will fall off on its 6th Anniversary if its no longer on your files its already over 6 years

 

If I do pay, will that reset the amount of time that a note will stay on my credit file, or will this debt automatically fall off (settled, partially settled or outstanding) after 6 years? Falls after 6 years irrespective.

 

All advice/information greatly appreciated.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

probably the usual crowds..

 

BC sold it to MKDP DCA

 

MKDP were purchased by the hoist [HPH2] group in recent years

 

hoist have used one of their other trading names robinsonway to send out a discount letter

hoping you fall for it and then give them free money as they think you are a mug.

 

a dca is not bailiff

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok, from looking at my credit reference files, it looks as if I stopped paying the minimum payment about 3 years ago.

 

I really, really, don't want to end up with a CCJ against me. A default/partially settled notice on my credit file is one thing but a CCJ would be very difficult for me professionally.

 

If the default was issued 3 years ago, and I've only got this from the credit reference file payments that I can see, then would I be better off making this £300 payment to clear this debt? If not, why not? If so, how should I go about it so that they are unable to pursue any of the rest of the £2700 that would still be left outstanding.

 

Thanks in advance for all your help.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

so in 3 yrs time it will drop off your file regardless

 

 

they are offering a 90% discount

that means there is something very very wrong with the debt.

which is fatal to them enforcing it else they would

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

When did you take this out with sharklaycard?

 

How much of the amount is reclaimable fees and charges?

Have you reclaimed any of these?

 

Any PPI?

 

Paying them ANYTHING will NOT clear the debt or make anything better, you reset the clock, and give them another 6 years to chase you and obtain a CCJ.

 

You have to ask yourself, if BC were confident that they could get ALL of this money back off you, then why did they flog it on? And why now are robbersway offering you such a significant discount?

 

Because, the paperwork is faulty, and they know that they would have trouble enforcing this in court, as the DJ would rip them to shreds.

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!

 

 

Link to post
Share on other sites

paying them will reset the clock?

 

I'll not pay them then.

I thought they might have offered a discount as they would rather get something than nothing and that it probably isn't worth them following it up through the courts process.

 

Truth is that I spent a load of their money and couldn't afford to pay it all back,

although I think I spent 4 years paying minimum payments,

I probably did cover all the actual money that I borrowed in that time.

 

My only concern is getting a CCJ against me.

 

 

It's not just B'card that I owe,

there's also Ulster Bank,

Halifax, and

Santander too....oh and possibly

Virgin.

 

 

It's rather a lot of money in total.

So far I've just done nothing.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

when did you take these out

and last payment/use date?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 years later...

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?


1.The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no xxxxxxxxxxxx

 

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.


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.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 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]

 

,...……….

 

there are 100's of hoist Barclaycard claimform threads here use our search

 

I doubt they'll have an enforceable agreement..probably rollout the usual 620000 paperwork with you name cut n pasted into it.

dx

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Huge thanks DX100UK,

Am I better off leaving it until almost the last moment to respond to the claim form

Obviously there is a possibility of a new government coming in December who might have different ideas about debt recovery legislation to the current government.

I'd like to put back any potential court hearing as far as possible.

 

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

stupid ideas

follow the tried and tested advice already given

any new gov't will never change the biggest financial market in the whole industry.

 

dx

 

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Just a quick question, you get 14 days from date of service to acknowledge,  you then get an extra 14 days to submit a defence.  Do the 14 days to submit a defence start from when you acknowledge or is it just always by 33 days from date of issue of the claim?

Thanks.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

33 days in total.....from and including the date of claim as day 1......19 days to AOS.....and another 14 days to submit a defence = 33 days.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks Micky. I shall look at your thread and see if I can pick up what to do next.

I've acknowledged service, sent CCA request and sent CPR request.

I have until Friday 13th December to submit a defence (although I'd prefer to get it in a bit before then if I can).

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

100's of relevant hoist ex Barclaycard claimform threads here inc hippos with a suitable defence to adapt.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Letter received from Cohen in response to CPR request. 

They also sent me another letter in response to the same request saying that they'll give me an extra 14 days whilst they look for the documents. 

 

Having read other people's experiences I shall ignore this offer and make sure I submit a defence before the 33 day from date of claim deadline anyway.

 

 

Cohen 21 Nov.pdf

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

post it here 1st mind

 

they probably try and rock out the old 620000 stuff they all use with you name inserted in the right places.

ofcourse totally unenforceable, but we'll see.

 

plenty of examples of the 620000 agreement stuff in uploads here

mostly in the same EX Barclaycard claimform threads that will be a useful guide to your defence

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi folks,

So I've had a response from Robinson Way to my CCA request - even though my CCA request was sent to Hoist Finance, not Robinson Way. (see attached.)  I'm confused, as far as I understand they seem to be saying that seeing as it's going to court they aren't going to give me the documents I've asked for. They've also returned my £1 fee.

What do I do about this?

Robinson Way Response CCA request Anon.pdf

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

all the same group. just use various spoof names and never both they have gottheir knickers in a twist upon who they were when they started something and who should be replying..matters not to anything.

 

as for the cca return.

std practice now

quite a few dca's seem to be wrongly interpreting that gdpr overrules and removes the legal requirements under the consumer credit act,

 

safe to say if they do continue with this claim through to the disclosures stage and the exchange of witness statements ...that must contain copies of all documentation they intend to rely upon at the hearing.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

no.

 

with no paperwork they wont go near a court room door.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

Just had a Clear Score update which says:
 

A credit or store card account will be removed from your January report.

Organisation Name: Hoist
Account Number: ****9048
Company Type: finance house

What does this mean?

This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report.

Why is this change not on my report yet?

We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January.

Is this a usual part of the process?

I'm submitting my defence this weekend. I'll post it on here first.

Nurselayer v Natwest - Settled in Full :D

Link to post
Share on other sites

what was the defaulted date?

no nothing to do with the court case

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...