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    • Thank you. I'm the type of person who has to understand how everything works.   That annoying kid in class who always has his hand up!
    • a court bailiff will not do that and fleecing DCA's cant use HCEO as its a regulated consumer credit agreement under £5k. you'll not find one CCJ thread here where this has ever been any diff. forget google! bit like the USA election was rigged and trump won twaddle.   stick with cag eh?   so use our search top right in the red banner backdoor CCJ whilst you await getting the info.      
    • please just type no need to keep hitting quote....   read what it says in red at the top of the CPR 31:14 template..carefully again.. i can see this thread continuing with these series of schoolboy errors and you screwing up if you dont learn to read and follow things carefully .   just send the CPR as is no need to worry about if or not something is applicable . they rarely respond anyway which is why we say don't miss defence filing date whatever happens..  
    • Stop worrying about bailiffs and read what dx100uk  has posted  ..........................................................
    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Hoist/Cohen PAPLOC - ex newday card debt


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Hi,

 

Unfortunately I have received a letter of pre claim from Howard & Cohen / Hoist for a Barclaycard debt.

 

I defaulted on this card earlier this year due to my then lack of work and no income. It is not statute barred as it was taken out in 2019 online.

 

Hoist claim the debt was legally assigned to them on 170720.

 

Value of their intended claim is £979

 

Their letter is dated 26/11/20, envelope post mark is 03/12/20 and arrived 04/12/20.

 

It gives 30 days to comply with their forms or pay the debt.

 

Could someone give me a little advice re this please?

 

Thanks BSII

 

 

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pre claim? not a letter of claim under the pre action protocol?

 

scan it up to PDF please read upload carefully

 

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... 

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  • dx100uk changed the title to Hoist/Cohen ex barclaycard debt
  • dx100uk changed the title to Hoist/Cohen ex newday card debt

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... 

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  • dx100uk changed the title to Hoist/Cohen PAPLOC - ex newday card debt
  • 1 month later...

the CCA request is not made under GDPR its made under the Consumer credit Act and even says so, as well as stating there is a fee.

but there we go hoist like arrows think they can then supply any ole copy and pasted tosh from their filing cabinet which is not a verified copy from the OC under the act.

 

 

 

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... 

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I did find this strange and questioned my own understanding. Is it just a case of waiting to hear from them now then? They clearly don't have a clue what they are doing.

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yours is not the next move

 

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... 

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Its a case of the template response didn't quite fit your request but with the added bonus of throwing in a request to supply your Financial details. :becky:

 

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