MCOL all done and filed online, letters to Creditor & Solicitor to be sent in the morning (06-04-19)

Thank you dx for your prompt reply you sure you only had one Barclaycard? Yes 100% positive I only had the one Barclaycard, still have both the letters in my file stating debt has been sold and to whom mercers were Barclays and their default notice are notorious for being faulty. Is this a good thing that could work in my favour? find out that last payment date. Last payment date was July 2017. Now when I set the CCCS debt management plan up I was paying the creditors direct, not through CCCS. My £1 PCM was going to Credit Solutions and I never changed this even when the debt got sold. Was from an old bank account that had a few £££ in and just let it run until no more money left then closed account. so did you ever CCA cabot as advised then and did you stop paying through CCCS>? Yes I sent the CCA of to Cabot that week you gave me the advice last time, never received anything back. For 2nd part of your question see above. Will send off and do the other parts you mentioned later tonight when get more time.

Name of the Claimant Hoist Finance UK Holdings 1 Limited Date of issue – 29 March 2019 Particulars of Claim What is the claim for – 1.This claim is for the sum of £2700 in respect of monies owing under an agreement with the account no. pursuant to the Consumer Credit Act 1974 (CCA) 2.The debt was legally assigned by Hoist Portfolio Holdings LTD (Ex Barclaycard) to the clamant and notice has been served. 3.The defendant has failed to make contractual payments under the terms of the agreement. 4.A default notice has been served upon the defendant pursuant tos.87(1) CCA. 5.The clamant claims 1) the sum of £2700 2) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes on the 24-04-19 Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A What is the total value of the claim? £2950 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 ? Before Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Sort of-A default was served on 14-Aug-2009 from Mercers Debt Collections Ltd acting as agents for original creditor Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No income What was the date of your last payment? Not sure-will find out 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 into a debt management plan? Yes started a DMP in 2009 Hello all, Well as the title says I have received a County Court Claim Form from Hoist. Hopefully enough information is there to start with & would just like advice on how to defend myself and not get another CCJ as I have not long just cleaned up my Credit Report and looking to re mortgage soon ! Will begin with answering all the relevant questions but then have a little possible twist to add at the end ! Further information if relevant 2006 got Barclaycard Credit Card Feb 2009 money difficulties could not afford to pay June 2009 Barclaycard appointed Mercers to deal with my account June 2009 CCCS debt management plan done and sent to creditors £1PCM (all interest and charges stopped) £7100 Aug 2009 Default Notice served by Mercers (£7100) Oct 2009 Threatening letters from Calder Financial (£7200) Nov/Dec 2009 Threatening letters from Credit Solutions(£7300) March 2014 Letter from Barclaycard (original creditor) account sold to Cabot Financial (£8100) Feb 2016 CCA request sent to Cabot-No reply Aug 2017 Letter from Barclaycard again (original creditor) account now sold to Hoist Portfolio Holding Ltd & Robinson Way dealing on their behalf (£2750) Jan 2019 Letter of claim from Hoist solicitors-received no letters previous from Hoist or Robinson Way March 2019 Claim form received As you can see the amount claimed varies even after all fees/interest have been stopped then amazingly after its sold to Hoist over £5k goes missing !!!!! And why would Barclaycard write to me for the 2nd time saying account was sold? Thank you in advance for all your help and the time taken to assist not just myself but all the others over the years. Keep up the good work

Yes score of 889 now. CCA requests now being printed. Will post back hopefully after 2wks with good news ? Spergen

Just Checked my CRA and all outstanding debts gone..........wooo hooooo. Now time to improve my score.

Ah I see now, well my last CRA report was from May 2015, when my default dates were within the 6years still. I shall get another and have a look to see if they have gone. Then after that a CCA request to all of them possibly ? Thank you very much

Thank you for your quick reply. when the default reaches 6yrs the whole account vanishes so they wont affect your rating after those dates. So what your saying is after 6 years from the default date the whole debt is written off and should be removed from my Credit Report ? All the above debts were defaulted before 2010 looking at my Credit Report. poss time to send each a CCA Request esp if you are blindly paying a DCA and the accounts are pre apr 2007. What would the CCA request show to help me? And what is the outcome if the debts were pre 2007? Looked for PPI too? I never took out PPI for any of these cards.

Hello CAG, Firstly can I say thank you to you all for your time and effort put into this site, if it wasn’t for yourselves I personally wouldn’t of been able to reclaim just under £3k for myself or of helped at least 20 of my friends all reclaiming tens of thousands back in unlawful Bank charges. So a massive thank you from myself, family & my friends. Now I find myself in a slightly more technical and difficult situation & in need of direct help. Before the last recession I was self-employed, earning very good money. I bought a property to do up, utilising the interest free cards that were being thrown at myself. And then came the recession and boom......sod all work and on the dole! I contacted the CCCS in Sept 2009 who did there magic resulting in myself using one of your template letters & sending to my creditors, advising of my debt management plan & offering £1 pcm as a token payment with all interest charges to be suspended. All agreed and have been making the £1 payments to date. My current situation is. A&L - sold to CAPQUEST - £8300 owed - £2900 settlement offered to myself in 2010 M&S - £1300 owed - £400 settlement offered to myself in 2010 RBS - Letters from Robinson Way - £3200 owed - No settlement offered. Bank of Scott - sold to CABOT - £4900 owed - £2700 settlement offered to myself in 2010 Barkley Card..Letters from CABOT - £7100 owed - £2800 settlement offered to myself in 2010 EGG - £1300 owed - £400 settlement offered to myself in 2010 Now with me nothing is simple. EGG, I have heard nothing from them in the last few years & on a recent check with Experian nothing is shown. I therefore cancelled my £1 pcm payment on Aug 2015. As of yet have not received anything from them. Barkley Card, Now as stated back in 2010 I was contacted by a very understanding and helpful account manager offering the £2800 settlement figure. Due to my situation though I had to pass on this offer. Now back in 2011 & 2015 I did an Experian check and the balance shown on both reports is £2800. Though the letters from CABOT show the original £7100 figure! Now my business is starting to slowly pick up again I would like to clear my credit file and improve my chances of getting another mortgage. I am in no means capable at the minute of paying out £12k. Seeing as all these offers were made 6 years ago should I negotiate a better deal for myself? Any help would be hugely appreciated, thank you in advance.