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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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BankFodder

GiffGaff - monthly renewable flexible contract – no more 24 months fixed contracts

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If you are fed up with the incompetence of Vodafone, Orange, O2 – and the rest and being locked in for 24 months and having to put up with dismissive, mediocre and sullen service – then why not move to GiffGaff.

Some of the CAG site team have been using GiffGaff for a while now and frankly we can't find any downsides. Even if you're nervous about it, try it for a month or two. You can always terminate and go on to a formal contract with a conventional mobile phone service supplier – although I don't expect you will ever want to go back.

GiffGaff gives you monthly contracts. You can choose to leave that any time you want. You can alter your contract month by month so that if you are going away and you think you need less or more data or less or more call time, then you just set it up for the following month. There is an app which allows you to monitor your usage. It's all the flexibility that you ever dreamt of and the prices are excellent.

If you use this link https://www.giffgaff.com/orders/affiliate/cagger3030?utm_source=giffgaff&utm_medium=email&utm_campaign=email-OBS005&ggCampaign=email-OBS005 to order your Sim card then we will get 5 pounds credit and so will you as soon as you activate your card. If you happen to activate your card before 31 January (not long now) then you will get 10 quid credit – and so will we. Any credits we get will be shared between any of the team who have GiffGaff accounts.

We don't often endorse a product – but so far they don't seem to be any downsides and we've been doing it for years.

Order a GiffGaff Sim card. It costs nothing. Activate it and the maximum you risk is one months contract. If you don't like it then dump it.

 

We have no special ties to GiffGaff and if you have any complaints then we'd be very happy to hear about them and to help you deal with them on our mobile phone sub- forum. We will treat GiffGaff just as aggressively as we do with the others.

If you look at our mobile phone services sub- forum, you'll see that we've had loads of complaints about all of the main providers – Vodafone is the worst – but to my knowledge, nothing against GiffGaff. Extraordinary.

Seems to be pretty well as good as John Lewis.


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Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

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1 hour ago, aesmith said:

Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

 

I'm with Smarty and they've been great. They've got the best deal by far for 30gb of data per month for £10 (with free calls & texts). For that price you only get 6gb with GiffGaff. For me the only downside is no wifi calling but their non-EU roaming (important for me) is pretty competitive.

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I've been with GiffGaff for years.  I can add straight credit for a PAYG service or buy packages which give me data when I'm away from home.  I buy what I need when I need it and don't  pay for what I don't need.  My needs can change dramatically month on month and the flexibility is a real benefit.  I save a fortune over being tied in to a fixed contract.

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3 hours ago, aesmith said:

Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

 

2 hours ago, cjcregg said:

 

I'm with Smarty and they've been great. They've got the best deal by far for 30gb of data per month for £10 (with free calls & texts). For that price you only get 6gb with GiffGaff. For me the only downside is no wifi calling but their non-EU roaming (important for me) is pretty competitive.

Yes, I suppose the real point is the coverage. I think generally speaking O2/GiffGaff has a better coverage but people will know better in their own areas.

GiffGaff callers can phone each other for free without having any impact on their minutes – and there can be very handy. I don't know if Smarty does the same thing.

Anyway, the site team on this forum are more likely to use GiffGaff and of course we will accrue some benefit if people subscribe to GiffGaff. They can try it for a month – and then move over to Smarty – and make a comparison.

It's that flexible.

It seems to me that the days of having fixed 24 month or 12 month contracts are finished. Only complete masochists really want to get tied into Vodafone or orange – or even O2 – (even though O2 supply GiffGaff) any fixed term contract is completely unnecessary.

 

Anyway, whatever you prefer, GiffGaff is doing this deal and if you use the link you will get £10 credit – so will we. When you've used up your credit then I don't suppose there is any reason why you shouldn't then move on and try smarty and make a comparison.

 


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Just to make up for maybe treading on CAG's toes with my initial post, if anyone signs up for Smarty using the link below then both they and I will get a free month (the new member pays for a month and gets the second free).  I'll donate any saving that I get to CAG

 

 

 

Mods - if this is out of line then please feel free to delete my post.

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Of course it would be nice just to receive a straight donation 😀


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