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Nurselayer

Hoist claimform - ex barclaycard Debt

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Defence submitted.

On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear.

When they responded to my CCA and CPR requests they didn't give me a default date either.

So, what happens now? Is it likely that I'll actually have to go to court over this?


Nurselayer v Natwest - Settled in Full :D

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The court will acknowledge your defence and within that acknowledgment it informs you of the next stage of what may happen.


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Hi folks,

I submitted my defence and have now had a response from Cohen and Co.

They have attached printouts of copy statements purportedly from Barclaycard from April 2010 to April 2015. 

From the looks of them the last payment made on these statements was August 2014.

They have also sent a notice of Assignment from Barclaycard dated November 2015 telling me that it has been assigned to Hoist in  October 2015, and then a letter from Hoist saying that they bought the debt in October 2015, and that letter is dated November 2015.

 

Bear in mind that according to Clear Score on my Barclaycard it looks as if there were late payments in Jan, Feb, Mar 2015 and then a missed payment in Apr 2015. But then it says that a payment was made in May 2015 which is exactly the time that it appears on my Clear Score report as Hoist with a missed payment also in May 2015.

There is no letter of default in the pack.  

The letter from Cohen and Co. does offer the chance to avoid further court action by allowing me the opportunity to repay the debt in instalments.

Also, on the statements there seem to be a number of Late payment fees and Returned DD fees.

Advice please.


Nurselayer v Natwest - Settled in Full :D

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so no sign of an agreement yet nor a default notice then.

this could get interesting as per the bottom of my post 13.

 

 


..

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hello Nurseslayer, Hoist/Cohen have just discontinued on my case, also without an agreement ever being produced, I had a court date set for next month. I appreciate our cases are different but as per the mods' advice, it's a matter of sticking with it and calling their bluff. I was expecting them to go a lot closer to the wire, perhaps they're having a pre crimbo tidy up, good luck.

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so looks like it's stayed then?

 


..

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9 hours ago, dx100uk said:

so looks like it's stayed then?

 

 I haven't heard anything from Cohen or the court yet.  Is there someway I can contact the court to find out the state of things?

 


Nurselayer v Natwest - Settled in Full :D

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You can log into MCOL and check the status of the claim......it should finish with defence received.


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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On MCOL it says - 

Your defence was submitted on 09/12/2019 at 20:03:59

Your defence was received on 10/12/2019 at 08:06:06

DQ sent to you on 09/01/2020


 


Nurselayer v Natwest - Settled in Full :D

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On MCOL it says - 

Your defence was submitted on 09/12/2019 at 20:03:59

Your defence was received on 10/12/2019 at 08:06:06

DQ sent to you on 09/01/2020

I don't know what DQ stands for? And I've not received it as yet.


 


Nurselayer v Natwest - Settled in Full :D

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N180/n149a

so not stayed

 

get reading up n180 use our search


..

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Ok, so just to be sure I fill in all my details on the N180 including my phone number and email address  and sent that both to the court and Howard Cohen and Co?  What's to stop them then putting that information on file or sharing it with other companies? Or will they not do that?  

I agree to Small Claims Mediation
I fill in all my details
I agree it should be small claims.
I ask for my local County Court.
I don't need an expert.
I am the only witness
I put in unavailable dates.
I sign the form.

I send it to the court and Hoist's lawyers by recorded delivery.

Is that all right?  I did search on N180 but it comes up with '00's of threads where it just says "search on N180". 

As always, your advice is hugely appreciated.


Nurselayer v Natwest - Settled in Full :D

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you don't need to inc sig/email/phone on cohen's copy.

 

and keep a copy for yourself too.

 

 

 

  • Thanks 1

..

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Hello, still no agreement? It almost seems like the powers that can no longer be bothered to cobble together a copy.

 

So far this one seems to be effectively the same as mine from what I read so far.

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