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Robinson Way/Hoist/Cohen old LLoyds Card and OD debts


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Hi - uploaded the info.

 

Do we need to SB Robbers about the OD then? They took over a year to come back and say they had nothing so will be interesting.

 

Are they allowed to add a default to credit file when they have no info to base that on? Experian shrugging their shoulders which is nothing new. Robbers clearly in the wrong here.

GY-UK.pdf

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with regards the card, did you send hoist a CCA request? as for the defaulted date, if a creditor took several months from last payment date to register it, there is most certainly objections to

Sar Lloyds just send it as is   let the od run, yours is not the next move.   as for the card send a cca request with the fee   Dx

gresham house i believe don't use email.   dx  

ok that makes things clearer.

 

they aren't adding a (problematic) default, they are simply updating the status in the calendar section with what the OC place there, which really means nor changes anything and is what they are allowed to do as the new owner.

 

the registered defaulted date is the important bit, and the fact the OC LLoyds , failed to default in a timely manner.

 

now there was a later change by the ICO in the rules, but for 2014, your last payment date , they should have served, under 76(1) and 98(1) of the CCA1974, a Demand /Recall Notice within 3-6mth, that has legs for you.

 

lets get the data from the lloyds SAR and we'll p'haps move this OD FWD.

 

dx

 

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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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Thank you... so the next steps are for the OD - SAR to Lloyds, would that also help with the credit card? Last payment in 2014 but another late default.

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an sar is for everything an org holds on you!.

read it

 

click sar

 

dx

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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Yep cheers knew that, wanted to see if we needed to do anything else for the CC, appreciate the quick response 👍.

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you have already sent a CCA request for the credit card to robbersway.

they have failed to reply to date ?

 

what LLoyds hold on anything as a result of the SAR you most certainly don't, at this stage,  reveal the contents to RB.

 

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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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Share on other sites

Yes we asked for CCA for OD and CC - they came back after a year and provided one for the CC but for the OD they said they have no information from Lloyds.

 

I will get a SAR over to Lloyds. These sharks shouldn't be allowed to log against peoples' credit files when they admit to having no (accurate) information.

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You say they sent the card cca back but we've never seen it, but i suppose that's pretty immaterial as the the card debt is sb'd and youve sent hoist our sb letter on that one anyway.

 

as for the OD ..you just need the sar from Lloyds (which you were advised to send back in jan) to find the actual last payment date so we can address what's next to do

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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Share on other sites

Hi yes Hoist/RB say CC is not SB because of the default date (in first post). 

 

Didn't do SAR before due to family reasons missus had to deal with (still is). 

 

I'll upload something from their complaints department they sent us (we never actually made a complaint, no point) after we made out they were being stupid.

 

They've totally ignored the OD being SB conversation, yet still update rubbish on credit file, will get the SAR over as soon as. 

 

Really appreciate the help you're offering so many people being preyed upon by these chancers especially in the current climate. 

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  • 2 weeks later...

Quick update, just had a County Court claim letter from Hoist regarding the credit card (the one with the late default in 2017 but last payment 2014).

 

I'll put it up later if I can sanitise 

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Quote

 County Court claim letter 

 

What's one of them ? ....a Pre Action Protocol letter ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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N1 court claim from MCOL......topic moved to Financial legal Issues Forum.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Please read the following link and copy the Q,s and your responses back here for further advice.

Read all the information within the link with regards to responding to the claim.

 

 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Posted (edited)

Name of the Claimant ? Hoist finance UK holdings

 

Date of issue – 09 April 2021

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

1.The Claim is for the sum of £1655 arising from the defendant's breach of a regulated consumer credit agreement referenced under no <redacted>

 

2,The dependent has failed to remedy the breach in accordance with a default notice issued pursuant to ss.87(1) and 88 of the consumer act 1974.

 

3.The claimant claims the legal assignment of the agreement from Lloyds bank plc (EX LLOYDS TSB) written notice of the assignment has been given.

 

The claimant claims

  1. The sum of £1655
  2. Costs

 

What is the total value of the claim? 

 

Account Claimed £1655

Court Fee – £105.00

Legal representation - £80
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes
 

Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist)

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 
 

Do you recall how you entered into the agreement...On line /In branch/By post ? In branch
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes
 

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. Debt purchaser has issued claim
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No
 

Did you receive a Default Notice from the original creditor? No
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019
 

Why did you cease payments? Last payment was in 2014 to Lloyds, then I was unable to make minimum payment being a student. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019

 

What was the date of your last payment? 21/11/2014
 

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 a debt management plan? No

Edited by dx100uk
poc updated.
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how many names are in the defendant box? 1 or 2

how many digits does the agreement number have ? 16? 

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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Hi, 1 person in defendant box (should have been an apostrophe - defendant's) there's only a CCA reference number which is 10 digits in length 

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then this is not a credit card...?

what previous debt figure does it almost match ....the OD debt or the 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... 

Link to post
Share on other sites

The amount they're asking for is the amount for the credit card not the OD. The OD amount is £2300 (rounded up). In addition they gave a CCA reference number and the only CCA they gave us was for the credit card - they couldn't get any details for the OD.

 

Given the above I assumed it was the CC.

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On 16/02/2021 at 10:08, GY-UK said:

Hi @dx100uk, they've provided the CCA for the credit card debt - June 2013. Last payment was November 2014. Default logged 2017.

 

so the OC took 3yrs to register a default.?

hoist certainly wont succeed as its well SB'd and the POC ref number is not 16 digits (which all cards are) so good luck on finding a signed agreement with anything other, not that it matters.

 

as long as you are 1000% sure your last payment or use of the card was novemember 2014 then proceed as below...but you must be sure.

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked

 

pop to the defence section and file the following: 

 

.
1 The Claimant's claim was issued on dd/mm/yyyy.

 

 2.The date last payment made was the dd/mm/yyyy 

 

 3.The Default Notice was issued dd/mm/2017 and served three years after the initial breach thus the cause of action delayed by 3 years and the Limitations period prolonged to 6 years + 3 years which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.

 

 4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.

 

 5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

 

 

 

  • Thanks 1

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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