Howard Cohen Claim

[ElysianFlds]

Hello,

Received a claim, particulars below. Any further advice following on from what already completed would be really appreciated.

Received a claim?: Yes
Issue Date: 12/02/2020
Have you Acknowledged the Claim?: Yes
Total Amount Claimed: £4500
Claimant’s Name: Hoist Finance UK
Solicitors Firm: Howard Cohen & Co
Original Creditor: Barclaycard
Original Debt: Credit Card
Particulars of Claim: This claim is for the sum of £4500 arising from the Defendant's breach of a regulated consumer credit agreement referenced under no XXXX. The Defendant has failed to remedy the breach in accordance with Default Notice issued pursuant to ss.87(1) and 88 of there Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Barclays Bank plc (EX BARCLAYCARD). Written notice of the assignment has been given. The Claimant claims 1. The sum of £4500, 2. Costs
Is the debt Statute Barred: No
List any letters you have sent: CCA request sent to Hoist, CPR sent to Howard Cohen. Both sent 14/02/2020.

[ElysianFlds]

Hello, it's be great if anyone could give any more advice on the above.

A little update; no response was received in relation to my CCA and CPR, so a defence was filed to the effect.

I said yes to mediation through the DQ, having still received no documents. A date for mediation was confirmed 2 weeks ago.

It's now not long until the mediation appointment, and I've just been sent a response to my CCA/CPR requests from Howard Cohen.

All of the documents look to be in order to me - credit agreement* (including my name and address), statement history, default notice and notice of allocation. Happy to post these, if needed, for further guidance.

*The Credit Agreement that I've been provided is labelled as a 'Reconstructed Credit Agreement' and doesn't have my signature. It would be good to get any advice on if this is standard practise or something I can use in defence.

Essentially, I'm looking for advice on what the best course of action during the mediation is?

Since all of the documents seem to be in order, what % am I likely to negotiate if I agree a payment plan and Tomlin order?

Or if I continue to trial, what's the likelihood this will be dropped given the value, and the fact that all documents seem to be in order?

Really appreciate any responses in advance

[ElysianFlds]

I've looked through lots of past posts but can't seem to find any where mediation has been reached and all documents have been provided.

It'd be great if anyone could shed some light on what is realistic to negotiate during mediation; specifically on the % of the original amount and what monthly payments would be acceptable.

Thanks