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    • Andy this is old news, I am afraid you are going to have a look at the GDPR Higher procedure for recording defaults on arrears or arrangements.   I am afraid it is not so simple anymore. I am sorry but I am to busy to hold your hand through it, and I am told not to post legal explanation.   OP Sorry. Perhaps that call to the ombudsman will clear it up for you.
    • Given that the OPS initial post is with regards to DCAs and not original creditors...its fairly unlikely that you would have or could arrange an AP marker...arrangement to pay..... (not a D marker as you refer to Peter) as the agreement would have been terminated at assignment and already recorded as a D.   D represents ‘Default’, which is recorded once the lender believes that the credit agreement has broken down, usually due to a sustained period of arrears. A default is also a form of account closure, meaning that defaulted accounts will be removed from your Credit Report once six years pass from date of default. That being said in some cases, the account may only be marked as closed with a Satisfied (SF) marker when the outstanding balance has been paid. This will depend on the lender or the Credit Reference Agency that they have reported the account information to. Regardless of whether a default is recorded as open or closed, if a balance remains outstanding you can still be chased to repay this indefinitely. Defaults will severely damage your Credit Report. They will only stop harming your Credit Rating once they have been removed, six years from date of default. This is regardless of any subsequent payment made towards the defaulted account.   DA – Debt Assigned DA is used to show ‘Debt Assigned’. This marker is reported when an account has been sold to a debt collector. The original lender will then record the status of the account as Debt Assigned to reflect that the debt has been assigned to another company.
    • Contactless shoppers could actually have to key in their Pin more often to prevent fraud if the tap and pay limit is more than doubled to £100 in the Budget today. View the full article
    • organised criminal gangs pull all kinds of stunts......
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      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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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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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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