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    • Hi I'm looking for a bit of help to deal with a claim form from Hoist/ Cohen referencing an old Capital One account please. I have filled out the details below as requested and submitted an acknowledgement of service intending to defend.   In 2007 I sent a SAR and requested a copy of the original CCA from Cap One on this account.    In 2014 Lowells sent a claim form for the same account. I have a copy of a notice of allocation to the small claims track hearing and a copy of the front sheet of ack of service with intent to defend but I have no recollection of its outcome and there are no CCJs on my credit file.    Name of the Claimant Hoist Finance UK Holdings 2 Ltd   Date of issue – 5/11/2019   Date of issue 05/11/19 + 19 days = 24/11/2019 + 14 days to submit defence = 7/12/2019 (33 days in total)   Particulars of Claim This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 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. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). Written notice of the assignment has been given. The Claimant claims 1. The sum of 294  2. Costs   What is the total value of the claim? £369   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC I received a letter of claim & income / exp forms.   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? Not sure claim is for Credit card   When did you enter into the original agreement 2003   Do you recall how you entered into the agreement not sure   Is the debt showing on your credit reference files yes, as closed   Has the claim been issued by the original creditor. Assigned   Were you aware the account had been assigned – did you receive a Notice of Assignment?  from HPH2 to HFUKH2L, I don't have anything from Cap One.   Did you receive a Default Notice from the original creditor? Yes (2007) Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure, I’ve had letters from Robinson Way.   Why did you cease payments? illness and inability to deal with my debts, I had no money no job and my mental health was in a terrible state.   date of your last payment? 07/2014 paid to Robinson Way   Was there a dispute with the original creditor that remains unresolved? No (PPI and bank charges refunded)   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes   Do I send a CPR 31.14 next asking for the agreement, notice of assignment and the Default notice?   Thanks.
    • It states the charge as: 'did enter a compulsory ticket area without having with you a valid ticket. Contrary to Byelaw 17 (1) of the Transport for London Railway Bylaws Made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962.' Then a brief statement of facts that the pass did not belong to me, and that I had stated it was due to financial reasons. It then contains information about making my plea and then the statement of the revenue officer. I am of course planning on pleading guilty before the cut off point and attending court (I'm hoping to be well enough to attend anyway). I'm just concerned about the consequences and if there is any point in trying to still reason with TfL now that court application costs are at least involved. I have debated getting a solicitor solely because of what I've read on the internet and what it says about ruined job prospects, I know it's probably scare tactics to get me to hire someone but it is the driving fear behind everything at the moment. 
    • You really MUST respond to the Singe Justice Procedure (SJP) notice and do so BEFORE the 'cut off' date.   Clearly, you will need to plead guilty and by doing so, you will benefit from having a one third discount in the amount of the fine issued.   You do not....I repeat NOT need to enlist the help of a solicitor and by pleading guilty, you will NOT be required to attend a hearing.   what exactly is stated on the charge sheet.    
    • I suspect the judge is giving you the opportunity to change [should your wish] anything in your initial defence now that the claimant has played their hand. it doesn't say witness statement but formal defence.   dx  
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Find out here if your local court is staying claims

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My case against National Westminster Bank was stayed earlier this week in the Altrincham County Court.

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Just phoned Luton court, and they said that they are staying all cases on their own initiative without any application from the bank, apparently I will be getting a letter to confirm this.



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It would be very useful if you could post what your local court has told you regarding stay on claims due to the OFT report. We dont need to know what the banks said, we all know they will just tell us that they have a stay and that is that.

I am Hoping that this list will help in our argument to have stays set aside, by demonstrating to judges that (at the moment) the majority of courts are continuing with claims on a case by case basis, which is a fair and just way to continue.

I also hope to raise the awareness a bit, it may give us all a bit of hope if anyone was fearing the banks letters were right saying all cases were stayed when in fact they werent.


All the below seem to be playing by a case by case basis and appear to be all proceeding as normal:


Aldershot & Farnham County Court,

Blackpool County Court,

Bow County Court,

Bristol County Court,

Caernarfon County Court,

Chester County Court,

Chichester County Court,

Gateshead County Court,

Guildford County Court,

Hitchin County Court,

Hull County Court,

Kettering County Court,

Lancaster County Court,

Medway County Court,

Newcastle County Court,

Northampton County Court,

North Shields County Court,

Norwich County Court,

Nottingham County Court,

Oldham County Court,

Peterborough Combined Court Centre,

Rotherham County Court,

Salford County Court,

Scarborough County Court,

Scun.thorpe County Court,

Slough County Court,

St.Helens County Court Merseyside

Sunderland County Court,

Thanet County Court,

Watford County Court,

Wellingborough County Court,

Winchester Combined Court,

Woolwich County Court,

Worcester County Court,

Wrexham Count Court,

Croydon County Court,


All the below courts have said SOME cases will be stayed whilst the outcome of the test case is decided:


Altrincham County Court,

Sheffield Laws Courts,



All the below courts have said ALL cases will be stayed whilst the outcome of the test case is decided:


Bradford County Court,

Halifax County Court,

Luton County Court,

Southend County Court,


The situation at the below is still unclear:


Aberdare County Court,

Aberysthwyth County Court,

Accrington County Court,

Ashford County Court,

Aylesbury County Court,

Banbury County Court,

Barnet Civil and Family Courts Centre,

Barnsley County Court,

Barnstaple County Court,

Barrow-in-Furness County Court,

Basildon Combined Court,

Basingstoke County Court,

Bath County Court,

Bedford County Court,

Birkenhead County Court,

Birmingham Civil Justice Centre,

Bishop Auckland County Court,

Blackburn County Court,

Blackwood County Court,

Bodmin County Court,

Bolton Combined Court Centre,

Boston County Court,

Bournemouth County Court,

Brecon Law Courts,

Brentford County Court,

Bridgend Law Courts,

Brighton County Court,

Bromley County Court,

Burnley Combined Court Centre,

Burton-upon-tweed County Court,

Bury County Court,

Bury St Edmonds County Court,

Buxton County Court,

Cambridge County Court,

Canterbury Combined Court Centre,

Cardiff Civil Justice Centre,

Carlisle Combined Court Centre,

Carmarthen County Court,

Central London County Court,

Chelmsford County Court,

Cheltenham County Court,

Chesterfield County Court,

Chorley County Court,

Clerkenwell and Shoreditch County Court,

Colchester County Court,

Consett County Court,

Conwy and Colwyn County Court,

Coventry Combined Court Centre,

Crewe County Court,

Croyden County Court,

Darlington County Court,

Dartford County Court,

Derby Combined Court Centre,

Dewsbury County Court,

Doncaster County Court,

Dudley County Court,

Durham County Court,

Eastbourne County Court,

Edmonton County Court,

Epsom County Court,

Evesham County Court,

Exeter Combined County Centre,

Gloucestershire Family and Civil Courts,

Grantham County Court,

Gravesend County Court,

Great Grimsby Combined Court Centre,

Harlow County Court,

Harrogate County Court,

Hartlepool County Court,

Hastings County Court,

Haverfordwest County Court,

Haywards Heath County Court,

Hereford County Court,

High Wycombe County Court,

Horsham County Court,

Huddersfield County Court,

Huntingdon County Court,

Ilford County Court,

Ipswich County Court,

Keighley County Court,

Kendall County Court,

Kidderminster County Court,

Kings Lynne County Court,

Kingston-upon-Thames County Court,

Lambeth County Court,

Leeds Combined Court Centre,

Leicester County Court,

Leigh County Court,

Lewes Combined Court Centre,

Lincoln County Court,

Liverpool Civil and Family Court,

Llanelli County Court,

Llangefni County Court,

Lowestoft County Court,

Ludlow County Court,


Macclesfield County Court,

Maidstone Combined Court Centre,

Manchester County Court (Crown Square)

Manchester County Court (Deansgate)

Mansfield County Court,

Melton Moybray County Court,

Merthyr Tydfil Combined Court Centre,

Middlesbrough County Court,

Milton Keynes County Court,

Mold County Court,

Morpeth and Berwick County Court,

Neath and Port Talbot County Court,

Nelson County Court,

Newark County Court,

Newbury County Court,

Newport (Gwent) County Court,

Newport (Isle of Wight) County Court,

Northwich Magistrates and County Court,

Nuneaton County Court,

Oswestry County Court,

Oxford Combined Court Centre,

Penrith County Court,

Penzance County Court,

Plymouth Combined Court,

Pontefract County Court,

Pontypool County Court,

Pontypridd County Court,

Poole County Court,

Portsmouth Combined Court Centre,

Preston Combined Court Centre,

Rawenstall County Court,

Reading County Court,

Redditch County Court,

Reigate County Court,

Rhyl County Court,

Romford County Court,

Rugby County Court,

Salisbury Crown and County Court,

Shrewsbury County Court,

Skegness County Court,

Skipton County Court,

South Sheilds County Court,

Southampton Combined Court Centre,

Southend County Court,

Southport County Court,

Southwark County Court,

St Albans County Court,

Stafford Combined Court Centre,

Staines County Court,

Stockport County Court,

Stoke-on-Trent Combined Court,

Stourbridge County Court,

Stratford-upon-Avon County Court,

Swansea Civil Justice Centre,

Swindon Combined Court,

Tameside County Court,

Tamworth County Court,

Taunton County Court,

Teesside Combined Court Centre,

Telford County Court,

Torquay and Newton Abbot County Court,

Trowbridge County Court,

Truro County Court,

Tunbridge Wells County Court,

Uxbridge County Court,

Wakefield County Court,

Walsall Hearing Centre - County Court,

Wandsworth County Court,

Warrington and Runcorn County Courts,

Warwick Combined Court Centre,

Welshpool and Newton County Court,

West London County Court,

Weston-Super-Mare County Court,

Weymouth and Dorchester Combined Court Centre,

Whitehaven County Court,

Wigan County Court,

Willesden County Court,

Wolverhampton Combined Court Centre,

Workshop County Court,

Worthing County Court,

Yeovil County Court,

York County Court




Blackpool county court are staying claims automatically and NOT carrying on as normal

TOTALLY debt free as of 2007, Fantastic,

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case stayed



Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)


offer from A&L 24/8/07 - after case stayed


"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery




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Blackburn are carrying on as normal.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....




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List updated next page


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Excellent idea for a thread ICY don't envy you having to manage it though - good luck

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Hartlepool stayed my credit card claim with citicards on wednesday

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Hi there - Oxford County Court are saying business as usual and they have had no instructions to treat claims for Bank charges any differently from before the OFT announcement.


Luckily for me as I won yesterday - Post OFT and the Judge refused Natwest a stay! Good luck to all as I know it is a bit of a lottery at the moment.

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List updated



Hartlepool stayed my credit card claim with citicards on wednesday

For what reason, was it to allow settlement or due to the OFT announcement, if it is the latter then you need to apply to have it set aside as the OFT case is not about credit card claims


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List updated




For what reason, was it to allow settlement or due to the OFT announcement, if it is the latter then you need to apply to have it set aside as the OFT case is not about credit card claims


Hi yes the DJ stayed my claim while awaiting the OFTs announcement, I told him that the OFT were ruling on bank accounts and not credit card claims but he was having none of it, citi had failed to comply for full disclosure so their defence should have been struck out, ive poosted the details on my thread groovycaz v citicards..Gc

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Lady at Ashford County Court told me she thought their DJ was going to stay all claims. I haven't had definite confirmation yet though - I'm waiting to hear something on two claims.

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Case stayed by Plymouth Courts, it appears that they are staying all cases until outcome of of OFT case



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List updated


Theres a trend appearing here which doesnt look good


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To any MODS, this thread must be important enough to warrant becoming a sticky.

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I agree - this ought to be a Sticky now.


Also, could Baconbuttyman's post (#4 above) now be edited so it doesn't show the original list? When scrolling quickly through the thread to look for the list it's easy to confuse that list with ICY's updated one.

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Poppynurse :)


If my comments have been helpful please click my scales!!!!

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Have spoken to IPSWICH County Court this morning regarding this claim -




They have informed me that they have NO directions, from their Circuit Judge or higher, to stay bank charge claims so ALL claims and hearings are proceeding, as previously, and they are NOT automatically staying claims.


They have, however, recieved many requests from banks to stay claims (though NOT yet in my case!) and are dealing with these on an individual basis, again as previously.


Basically then, business as normal at Ipswich County Court.


Many thanks for this thread, ICY, and hope this info helps - Adam

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)


Current Claims (all for friends!) -


Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Bad news for me, Oldham are staying all


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List updated below

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