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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

Fwench School Textbooks Say That 9/11 Was CIA Conspiracy!

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"This global event - without doubt orchestrated by the CIA (secret services) to impose American influence on the Middle East? - hit the symbols of American power on its own territory."

 

https://www.bbc.com/news/world-europe-51187970

 

And apparently these textbooks are intended for use by Fwench undergraduates!!

 

So much for Egalité Liberté and integrité


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Or was it Egalité Liberté and Veracité


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Oh come on, mistakes happen https://www.bbc.co.uk/news/entertainment-arts-50153743

 

maybe you should edit the title of the thread so it doesn't sound quite so little britain i.e. feed into the (not so low level) xenophobia we are facing in the UK at the moment.


Any opinion I give is from personal experience .

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I'm sorry but you have no idea of the level of denial which still exists in France

 

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The Sorrow and the Pity (French: Le Chagrin et la Pitié) is a two-part 1969 documentary film by Marcel Ophüls about the collaboration between the Vichy government and Nazi Germany during World War II. The film uses interviews with a German officer, collaborators, and resistance fighters from Clermont-Ferrand. They comment on the nature of and reasons for collaboration, including antisemitism, Anglophobia, fear of Bolsheviks and Soviet invasion, and the desire for power.

 

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This film was first shown on French television in 1981[4] after being banned[7] from that medium for years. In 1969, after the director submitted the film to the studio that hired him, the network head "told a government committee that the film 'destroys myths that the people of France still need'

 

https://en.wikipedia.org/wiki/The_Sorrow_and_the_Pity#Reception

 

 


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I know some children who in their French primary school history class spent three weeks – three weeks! studying Bloody Sunday in Ireland – and nothing about La Rafle or atrocities in Algeria or the Paris massacre of 1961 where official figures are about 40 dead – but in fact the general accepted figure seems to be well over 250 people many of whom were found floating down the Seine some weeks later and has only been acknowledged in a limited way by Emanuel macron fairly recently.

Read about it and tell me if you knew about it already.

How many concentration camps/internment camps were there in France? Maybe you can tell me the answer. Maybe you didn't know there were any at all. Most French people don't.

How much Islamophobia anti-Semitism, homophobia, general racial prejudice is there in France? I'm sure you know the answer so you can tell us.


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... and incidentally the CIA 9/11 conspiracy theory is something that is talked about very often – especially the rundown suburbs of Paris.  I expect that it is also discussed in these terms in other places in the world – it's just amazing to hear about it in a textbook which has already been circulated to young undergraduates.

 


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...  and by the way, the opinion in the academic textbook was not put in there as a mistake. It was an opinion which was voiced by respected French academic and later on apparently, he followed it up with a similar comment in Facebook which then gave rise to a shocked and scandalised discussion.


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Sorry Bankfodder

 

I don't know all the details but i am aware there is a lot of denial in France just as there is in many other countries, we could look at Poland as a prime example. We could of course look at the UK; were we ever taught about our complicity in the slave trade ( I was taught about abolition). Are we taught about how we butchered people in Ireland- I certainly wasn't . I wasn't taught about Peterloo, neither was I taught about the mass murder in Ukraine on the same level as the Holocaust. 

 

Do you spend much time in the UK ? There are huge levels of general xenophobia but more importantly Islamophobia. For the first time since the 1980's the level of people thinking it is acceptable to be gay and out has fallen. All these things mean that we need to fight against it and not make causal comments that feed into it.  Brexit has only made it worse; it has given people an excuse to express their bigoted mindset.  Here in Coventry, Chinese students are being attacked by idiots who have no idea just how much money they bring to the local economy.

 

So I think yes, we all have skeletons in our cupboards and as a responsible people we need to do what we can to inspire a cosmopolitan and inspiring country


Any opinion I give is from personal experience .

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Yes I spend all my time in the UK – and I think I will leave you to deal with your own skeletons


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10 minutes ago, BankFodder said:

Yes I spend all my time in the UK – and I think I will leave you to deal with your own skeletons

I had been told you lived in France . My skeletons have been dealt with I think .

 

You will always be able to find ‘respected’ academics with what I would consider rather strange ideas and misinterpretations as my link showed, 


Any opinion I give is from personal experience .

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