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    • This is kind of related but does anyone know since I have this ban from entering UAE because of my loan, can I visit Qatar? 
    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
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Hoist and old Lloyds Goldfish Goldfish card DEbt - no CCA - place hold on account


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Requested cca from hoist.

Received letter saying they have asked for a copy of the agreement and that my account has been put on hold temporarily. And they will contact me when they receive documentation. 

Should I stop payments now

 

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if this is a credit card and they have failed the 12+2 working days limit for the CCA ...IMHO yes cease payments.

 

another cash cow account removed from the DCa milking parlour ...  

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’d call that a win. They may never receive documentation and finally you are allowing your statute barred clock to start ticking.

We could do with some help from you.

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Because I'm currently on a payment plan should I continue to make monthly payments until they say they cannot find documents and that the debt is unenforceable 

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What is the payment plan you are on ?

 

Is this with Hoist only for this one debt ?

 

Type of original debt ?

 

When was original account taken out ?

 

Before you started paying Hoist, when did you last make a payment towards this debt ?

 

 

 

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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They have mugged you left, right and centre. Nothing to be ashamed of, you have now found the right place for genuine advice.

 

You would have been better off never paying them a penny! Do not pay them any more! 

We could do with some help from you.

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No chance of that.  
 

Have you changed address since you started paying this off?

We could do with some help from you.

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What is the actual value of the CC debt...if we knew that we could then possibly advise on what possible action may follow.

 

Andy

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But £5.5K in this instance for this topic......see how Hoist respond when you stop payment and keep this topic updated.

We could do with some help from you.

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That's a decision for you to make....until they can comply to your request...the debt is unenforceable...but there is no harm in stopping payment and see what they wish to do next.

We could do with some help from you.

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Be prepared for all the scary letters in red and possible texts/calls (if they have your details) threatening all on sundry ....but until you actually receive a Letter of claim...its going round in circles.

We could do with some help from you.

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and anyone else that fails the CCA in your main thread.

 

type in cash cow and get reading up in our enhanced google search box.

the more you read the stronger we become

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

It’s important to note also, do not get on the phone with these people. Either ignore their calls, or if they do somehow get through to you ‘Sorry, I don’t give out information over the phone, you are welcome to write to me’ Phone down.

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

 

If you want advice on your thread please PM me a link to your thread

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  • AndyOrch changed the title to Hoist place hold on account

so an old HFC Goldfish card 

no a chance in hell of them ever getting a enforceable CCA

bye bye 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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