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Itsdagal

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  1. Excellent thank you - defence completed and ready for submission
  2. Quick Update - I attended a Set Aside hearing yesterday and the Set Aside was granted on the basis that I'd acted in a timely manner and had a real chance of success. Just awaiting the forms to submit a defence now which has to be submitted in 14 days - will be using the statute barred defence template.
  3. Many thanks for the info, I'll ring the Bulk Centre to see if I can get more info and continue to request the set aside direct from Hoist. Thanks again.
  4. Thanks for the replies. Yes, I rang them and they just gave me the creditor name (ie Hoist) After submitting my N244 application confirmation of the court date for January was sent to myself and Hoist by the Court - that is all the detail I have been provided with to date. I have approached via Resolver so I have a case file of my complaint should I ever require it. I'm concerned that the Debt Management payment, albeit returned, may mean it is not Statute Barred, so if Set Aside is successful but they pursue with a new court date, I feel it would be worth CCA request as a plan B.
  5. Hi, Upon checking my credit report I have found a CCJ registered at an old address in June this year by Hoist Portfolio Holdings. I believe this to be from an old Nationwide Overdraft debt that I defaulted on in 2006. The last payment I made was in 2006, however I was part of a Debt Management Plan which sent payments against this account to Nationwide in October 2010 which were returned. I have completed a set aside application N244 to have this set aside on the basis I did not have a chance to defend, have received no information as to what it relates and believe any debt to be statute barred. The date for this is set for January 2017. I sent two letters in April and December of 2014 to Keynes Collections who were chasing this debt (if it is the Nationwide debt) stating that I believed it to be Statute Barred and to only be contacted if they could provide evidence. The CCJ issued was not at the address I used for these. As such I have raised a complaint against Hoist (Keynes are part of their group) using the Resolver system as they have continued to chase despite being informed that the debt was Statute Barred. They have not responded thus far and this can be escalated to Stage 2 in 8 days. I have requested that a set aside be issued by themselves without a hearing otherwise I will be escalating my complaint to the FCO on the above basis requesting a Set Aside and reimbursement of my N244 fee. Just looking for some advice as to whether I am currently on the right path with what I am doing. I have said I have received no details regarding the debt on the N244 therefore if my set aside is successful from either the application or the complaint, can I request the CCA etc or am I tied into a Statute Barred defence as I have mentioned this? Apologies for the longish post, but wanted to give as much info as possible - I've looked at similar posts and hoep I'm on the right track, but would hate to make a mistake and end up liable as I didn't want to start my own post! Any help much appreciated - the claimed amount is around £4,500
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