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Hoist/Cohen/Barclaycard

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  • Hoist/Cohen/Barclaycard

    Hi everyone

    I had a credit card debt with Egg many years ago. This ended up being passed to Robinson Way. I agreed to pay 50/month towards this and did so for at least a few years. Out of the blue Robinson Way wrote to me saying thanks for getting in touch (which I didn't), however, we no longer handle this debt. Please contact the original company for assistance. I've written to Egg/Barclaycard with no response (this was approx 18 months ago, maybe longer). Anyway, after no response from anyone and Robinson Way telling me they no longer had anything to do with the debt I cancelled the standing order I had set up with them. End of last week I received a claim form letter from Hoist saying I was due 4397, owing under the agreement, pursuant to The Consumer Credit Act 1974.

    I've acknowledged the claim and have prineted off CCA request letters for Hoist and a copy for their solicitors (Howard Cohen & Co).

    What should I be doing next and is there more info required for anyone to help??


    Thanks in advance

    Atholl
    Tags: None

  • #2
    Have I posted in the correct place. Help please!!!

    Comment


    • #3
      Hi sorry your post got missed - I'll move you to the court forum and reply shortly xxx
      #staysafestayhome

      We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win.
      Hetty Bower

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      Received a Court Claim? Read >>>>> First Steps

      Comment


      • #4
        Sounds like your on top of things - youve sent the cca request to hoist - that's the important bit - have you sent ya cpr 31.14 letter https://legalbeagles.info/library/gu...-of-documents/ to Howard Cohen ? If not then that's worth doing.

        You didnt receive anything between Robinson way ditching you and receiving the claim ? No letter before action or anything ?

        #staysafestayhome

        We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win.
        Hetty Bower

        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

        Received a Court Claim? Read >>>>> First Steps

        Comment


        • #5
          Thanks for the reply. Sent the cpr letter to Howard Cohen. To be honest I did find a letter yesterday from Robinson way offering 2700 to satisfy debt. Also, a letter from Howard Cohen (may 18), stating I've failed to repay. It says debt originates from a written agreement dated 15/12/05.

          I wa paying 50/month to Robinson way then they kept writing to me to say 'thanks for getting in touch but we are no longer responsible for the debt'. I have never been in touch!

          Do I just sit back and wait for a reply?


          Thanks

          Atholl

          Comment


          • #6
            Hi, can you confirm I just wait for the replies or should I be doing anything more??

            Thanks

            Atholl

            Comment


            • #7
              Not sure what I should be doing while waiting for a response to my letters re above? Can someone reassure me of what I should be doing now.

              Thanks

              Atholl

              Comment


              • #8
                Yip that's it - you could send a Subject Access Request to the original creditor ( well, it'd be barclaycard now I'd assume ) as that might help to check details against Hoists response later - otherwise check your defence due date and start preparing that based on what you know to date. Your defence must go in on time even if you get no replies at all.
                Subject Access Request Letter
                Example Defence

                #staysafestayhome

                We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win.
                Hetty Bower

                Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                Received a Court Claim? Read >>>>> First Steps

                Comment


                • #9
                  Hi

                  Still no response from hoist or anyone else. What happens next?


                  Thanks

                  Atholl

                  Comment


                  • #10
                    Nothing at all ? Even acknowledgement that they got your letter ? Not massively suprising but irritating... anyway start putting your defence together - it's going to be pretty standard ' no docs received ' so use the example https://legalbeagles.info/library/gu...-court-claims/
                    as a starting point. What dates defence due - quite soon I think ?

                    Did you send a SAR to barclays ?
                    #staysafestayhome

                    We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win.
                    Hetty Bower

                    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                    Received a Court Claim? Read >>>>> First Steps

                    Comment


                    • #11
                      SAR sent and defence sent. Just don't want anyone knocking at the door!!!

                      Comment


                      • #12
                        No response. What do I do now??
                        ​​​​​​
                        Thanks

                        Atholl

                        Comment


                        • #13
                          Letter from Howard Cohen stating hfukhil have notified the court they are proceeding with the claim and to contact them should I wish to settle in full or by monthly installments. No reply to SAR

                          What do I do now?

                          Thanks

                          Atholl

                          Comment


                          • #14
                            Wait for the court to send you a directions questionnaire, and when you receive it, complete, and send back to court ( and send a copy to the claimant ). https://legalbeagles.info/library/gu...uestionnaire//

                            Any sign of any documents from the claimant or original creditor ?
                            #staysafestayhome

                            We may not win by protesting, but if we don't protest we will lose. If we stand up to them, there is always a chance we will win.
                            Hetty Bower

                            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                            Received a Court Claim? Read >>>>> First Steps

                            Comment


                            • #15
                              No sign of anything from anyone. Does that affect anything?

                              Can they say they haven't received request or anything like that?

                              Comment

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                              SHORTCUTS

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                              NOTE: If you receive a court claim note these dates in your calendar ...
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                              If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




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