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    • Interestingly I've just had another alert on my Clear Score report:   Upcoming Updates A new credit or store card will be added to your January report. Organisation Name: BAIA0090 Account Number: ****9048 Company Type: finance house What does this mean? This could mean that you’ve recently opened a new account, or it might be because a lender has just shared some information relating to an old account. 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. If you apply for credit now, lenders will see this update on your Equifax credit report. Now, this looks very much as if Hoist have taken my agreement off and transferred it to whoever BAIA0090 are.  I've not seen any new notice of assignement or anything.  
    • Sorry i am Not putting details in here.This bank i did have an account with in 1993.That is the last time i used them. I am going to let them ccj me. I am not going to even think about this any more.My bin will get the letters and my door will be ignored. Thank you for the interest but i will waste these #Ankers time for another 6 odd years while i get my mind right All the best
    • Particulars of Claim (for Reference - not to be submitted with defence)   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 Defence   1.The Defendant contends that the particulars of claim are vague and generic in nature.The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 3. Paragraph 1 is denied. Whilst I have had dealings with Barclaycard  in the past I cannot recall the specifics of the alleged agreement.   4. Paragraph 2 is denied .I have no knowledge of who the claimant is nor have I been provided with any Notice of Assignment pursuant to the Law of Property Act 1925.   5.Paragraph 3  is denied.I am not aware of service of a Default Notice by the original creditor or Legal Assignment the claimant refers to within its particulars of claim .   6. It is denied that any amounts are due under any agreement.   7. On receipt of this claim I requested information pertaining to this claim from Howard Cohen & Co Solicitors by way of a CPR 31:14 request sent via 1st class recorded post on 19/11/2019.Further to the above I sent Hoist Finance UK Holdings 3 LTD a section 78 request via 1st class recorded post on 19/11/2019.  To date, neither Howard Cohen nor Hoist Portfolio are yet to furnish me with the requested information .   8.Therefore with the court’s permission the Claimant is put to strict proof to   a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed for; c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974. d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   9. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   10. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.6.   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. (Defence mainly taken straight from Micky the Hippo's similar defence)
    • On the MCOL site. I hadn't submitted the defence, but it was mostly filled in. I just left it on. I'll submit it by 15:00 today unless I hear otherwise. 
    • The letter from Drydens is asking me to respond to their letter:   "we will have no alternative but to apply to the Court to lift the stay on the proceedings in order to progress the legal action commenced against you."   Obviously I don't want to ignore it. 
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Terminalpigeon

payment assist Ccj at old address - paid within 33 days of judgement - when will it go from my credit file??

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Wasn't quite sure where to plant this!

 

 few months ago I missed a payment to payment assist.

I emailed the other day to confirm I will make the payment at the end of September.

I am however refusing to pay the extra charges they have added.

 

Now do not get me wrong maybe a £20 penalty I understand but these..

 

The original missed payment is 88.31

 

These other charges I have said you are more than welcome to take me to court.

 

Below are the "extras" they would like to add.

 

Can I just ask if anyone thinks a letter is worth £40!

 

Just to add, the initial email I had was saying the potential of ccjs etc and my name being sent to publications regarding the court action which over 88.31 I thought a bit over the top to threaten in an email

 

 

 

Missed payment fee - £40.00

Letter Fee - £60.00

Chargeback fee - £56.00

Admin Fee - £25.00

Interest £22.32

 

 

 

 

 

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What is payment assist??


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

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You have work done on a car and you pay 25% then the rest in three other payments interest free.

Edited by Terminalpigeon

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Penalty fees are unenforceable yes

refer them to the fca/fos rules/guidelines


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

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Payment Assist’s offering is one that was designed for the automotive sector. With an intention to ease the burden of the unexpected bill that you may have when your car is taken into the garage for a Service or MOT. Whilst you may be budgeting for the cost of the Service or MOT, when your car needs some additional work or parts, this additional cost can make a dent in your finances, sometimes meaning that the critical work that your car needs to make it roadworthy is put off until you can afford this extra cost. 

Payment Assist are here to help, spreading the cost of this work means that you can remain driving safely, whilst paying for the work over a 4 month period. The payment plan is interest and fee free* and is designed to support you when you need it most

 

https://www.payment-assist.co.uk/sectors.html

 

But just you dare miss a payment and we will hammer you in fees £203.32 for 1 late payment and thats how they make their money......steer clear.(no pun intended) :becky:


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Morning.

I've just checked my credit score to find a ccj has been entered through Northampton county court business centre.

Logged apparently at my old address for which I've not lived since last December

 

Seems it's gone through to conclusion so can't respond etc.

More than likely payment assist who I posted a while back and their outrageous fees.

 

So I have mailed Northampton county court for information.

 

Unique situation

how do I proceed exactly.

Obviously if it's paid within one month it'll be cleared

but ideally I need documentation etc

 

Currently the balance stands at £294 apparently.

 

Can anyone confirm if this is paid one month from now which is the 6th of December and proof sent to the court it'll be removed?

 

Does the court send this info promptly or does it take an age to get information from them?

 

 

Ash

 

 

 

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Currently the balance stands at £294 apparently.

Can anyone confirm if this is paid one month from now which is the 6th of December and proof sent to the court it'll be removed?

 

Does the court send this info promptly or does it take an age to get information from them?

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who is the claimant on the credit file?

 

dx

 


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The only info it gives is county court business centre...

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look closer

there is always a claimant/creditor name.

use noddle or credit karma now I think it is 

it will show the name of the claimant not the bulk issuing court.

dx


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

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I've just checked creditkarma, totally money and Equifax, none have anything relating to the creditor just it was issued at etc..

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have to await your request of a copy of the claimform and the ccj from northant bulk then.

but there is a fee i believe so it might be better to ring them in morning.

 

dx

 

 

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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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Well the claim has been issued. Won't the court at least be able to tell me who to pay etc and specifics...that and well rather no bailiffs knocking

 

A month from now isn't long, if payment assist got that crap through the court then contesting it is meaningless. Just rather not have my file damaged by £294 for the amount and the time it's taken trying to keep it sound it's not worth it. 

 

 

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To confirm that if the CC J is settled within 28 days of issue then it won't find its way onto your credit file.

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Great as I'm paid on the 28th so I'll clear it. With regards to the proof being sent to court. What's the quickest way to do this. Obviously it needs to be in and clear to rid the ccj

 

Sorry so many questions..

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You will have to ask MCOL to email you a copy of the N30  (Judgment for claimant in default) to get the payment details.

 

Andy

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We could do with some help from you.

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Thanks for all the replies.

 

After talking to Northampton it seems it was payment assist.

 

The original payment left was £88 the rest is literally fees 

 

The situation is now I will clear the balance and payment assist will send me confirmation of payment and will inform the court it's paid

 

Lesson here is always update your address as it's highly likely I would of fought this claim.

 

Due to me being non responsive it went into default judgement which was the ccj.

 

I'll not make this mistake again anytime soon

 

Thanks for your help!

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Yes - always best not to bury your head in the sand

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This has been paid. The company has informed the courts, also got confirmation from them that payment was made and that they would inform them.

 

Contacted Northampton and they have received the confirm. How long should this take to disappear from my report?? 

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depends when northants do their data run to the cra's.

 

 


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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So it doesn't matter if it goes over the time limit. It will get done etc?

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sorry what time limit?


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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Well just that it'd be on there a month on the 6th..

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