hoistuk/Cohen PAP LOC? - ex barclaycard debt

[big blue one]

Hi all

 

I've tried my best to have a read of the postings but am finding it all a bit daunting as nothing really seems to tally up completely with what I have received...

 

I believe I'm doing the right thing in posting the below...but will also upload the letter if possible with personal details omitted of course.

 

 

Name of the Claimant -------HFUKHIL (ex barclaycard)

 

Date of issue – 08/08/2019

 

Date of issue 08th + 19 days =26th august + 14 days to submit defence = 9th september (33 days in total) -

 

 

Particulars of Claim

 

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

this debt originates from a written agreement dated 29/01/2010 between the original creditor detailed above and you. the agreement was subsequently terminated when its terms were not complied with.

 

our client later purchased this account and it was legally assigned on 5/9/18. the notice of assignment has previously been provided to you.

 

there have been no interest or administrative fees/charges applied to the account since we acquired it.

 

you should note that this letter is being sent in accordance with the pre-action protocol for debt claims of the civil procedures rules. the court rules confirm the actions either party must take before a matter goes to court, we should point out that paragraph 7 sets out its expectations for you and our client in how to comply with the protocol. the full protocaol is available from the court service at https://www.justice.gov.uk/courts.procedure-rules/civil/protocol

 

despite our client or its agents, robinson way limited, attempts to engage with you to agree a suitable payment plan, the above amount remains unpaid.

 

 

What is the total value of the claim? £3950

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Not sure what this means? 

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? last change of address in 2014

 

Did you inform the claimant of your change of address? no

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card account (based on the account num provided

 

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 ? I dont but likely online

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? not a single trace anymore have checked all credit refs

 

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. ----assigned to robinson way it seems

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?  I likely would have but have been a head buried in the sand kind of guy

 

Did you receive a Default Notice from the original creditor? again unsure due to time frame etc

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have been receiving correspondance but again, head buried in sand numpty. I believe i was paying £1 per month to them up to a point but changed bank account and never updated which was around may 2018

 

Why did you cease payments? i would say around may 2018 purely due to an oversight as i was/am paying £1 per month to a few debtors resulting from a financially messy divorce

 

What was the date of your last payment? may 2018 i belive

 

Was there a dispute with the original creditor that remains unresolved? not to my knowledge

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? was paying £1 per month to the debt until recently and didn't realise this is one that had got lost when moving accounts. 

 

 

 

 

[dx100uk]

Images should only be in one multipage pdf file

Read upload

 

so have you received an N1 claimform from northants bulk court?

or

a letter of claim from a tame/fake paperwork only solicitor?

 

 

[AndyOrch]

" you should note that this letter is being sent in accordance with the pre-action protocol for debt claims of the civil procedures rules. the court rules confirm the actions either party must take before a matter goes to court, we should point out that paragraph 7 sets out its expectations for you and our client in how to comply with the protocol. the full protocaol is available from the court service at https://www.justice.gov.uk/courts.procedure-rules/civil/protocol "

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol

✎ EditSign

) ? Not sure what this means? 

 

 

See below

 

https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/

 

[big blue one]

i genuinely don't know if i have received that...

 

however, today,  have received a letter from robinson way...

 

"just pay 60% of your ourstanding balance"

[dx100uk]

part of the hoist uk group

 

can you scan up what you have please 

to ONE multipage PDF file

read upload

 

dx

 

[big blue one]

The latest letter? Or the original ccj letter? 

[dx100uk]

every 

[big blue one]

I have attached the letter. Stupidly I'm now late with this

 

[dx100uk]

best to remove you name eh?

I've removed your upload

 

it a letter of claim 

 

so best get your back quickly.

follow this:

 

 

[big blue one]

Try that

1568037620425_1568037506862_Scan_2019_09_09_13_45_26_796.pdf

[dx100uk]

get that reply form running 

follow post 9 link TODAY

[big blue one]

so, I'm to dispute the debt in order to get them to send me proof of all the details? 

[dx100uk]

in a nutshell

 

but we don't know the debt history 

so tell us all about it 

[big blue one]

All results from a messy divorce. in all honesty, I couldn't say one way or another what the crack is as it's been 10 years, nothing is shown on my credit history for any of my debts.

 

I think I may have been paying £1 a month to the account until a year ago when I changed banks and it appears it may have gone amiss.

 

Somehow, I get the feeling that they won't be able to provide any docs as there's nothing listed on my credit file? I may be wrong of course, 

[dx100uk]

Rarely other than the 620000 rubbish they reply with.

 

lots of threads here to read

 

shame you blindly paid £1pcm on loads of debts

all youve done is run the sb date into infinity

[big blue one]

That doesn't sound good then

[dx100uk]

CCa REQUEST THE LOT OF 'EM IF YOU ARE STILL BLINDLY PAYING?

opps sorry caps..

[big blue one]

what reason do i give for disputing the debt?

[dx100uk]

did you ever?

if not just use the last bit alone.

[big blue one]

So. What feels like good news is the 2 letters I've received over the last few days...

 

I requested the finance agreement on the 9th September...isnt it a month for them to reply? What's the next step?

 

Thanks all!!! Xxx

Robinson way 2.pdf Robinson way 1.pdf

[dx100uk]

oh damn this mug found CAG..

 

dx

 

[big blue one]

 What do you mean?

 

Xx

[dx100uk]

you've been here since 2006....

 

what to DCA's try and do to people....????

[big blue one]

Maybe I'm being dim but I don't understand your second sentence. Sorry.

 

So what's the crack now? I just send them a letter telling them to go "do one"?

[dx100uk]

they try and MUG people on debts they don't owe or that are not legally enforceable...

 

yours is not the next move