Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

[genick]

Received a claim? Yes
Issue Date: 11-01-16
Amount approx: 521
Claimant: Hoist Portfolio Holding 2 Ltd
Solicitor: Howard Cohen & Co
Original Credit: LLoyds TSB

Particulars of Claim:
This claim is for the sum of 320.55 in respect of monies owing pursuant to an overdraft facility under bank account no xxxxxx
The debt was legal assigned by MKDP LLP to the claimant and notice has been served. The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.
THE CLAIMANT THEREFORE CLAIMS
1. 320.55
2. Interest pursuant to section s69 of the County Court Act 1984, and the rate of 8.00percent from 10/01/12 to that date hereof 1457 is the sum of £102.43

Stat Barred? unsure

Have sent: a cpr request (or will be sending tomorrow)

I I have been served with county court claim form regarding an unpaid overdraft. I believe this debt to be over 6 years old however the default date on my credit report is saying within the last 3 years. Which I am 100% sure is incorrect. the problem I have is this is debt is following a marriage breakdown therefore I do not have any prove of the default date but like I say I have not touched this account since late 2009 or maybe first 2 months of 2010.

[icrina53]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

CPR request to Howard
SAR request with £10 postal order/ cheque to Lloyds
Acknowledge the claim online with intention to defend in full
Make sure you send everything recorded and keep the receipts

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Many thanks, its so daunting I just didn't know where to start and if I was doing right to defend the claim. thank you

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Ok so I have finally managed to get access to my LLoyds account who the overdraft was with. They have just told me that the account defaulted on 10/01/12. could someone advise where this leaves me. I am assuming there is nothing I can do now and pay the debt is this correct? the company have added their own interest fee and court fee on to this debt. is there anything that can be done about this? and when do I need to send the court papers

[icrina53]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

You need to wait for a reply for your CPR request , they have 7 days to send you a letter. Your date for submitting your defence is the 12th of Feb if I'm not wrong,so you're ok just wait and see what Howard sends you , your defence will be based on their reply

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Many thanks, should I chase up this reply if I haven't heard within the 7 days? just so I know to diary to email them or call them.

[icrina53]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

You can send them another letter when the 7 days are up , but usually they reply in time

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Hi, I haven't received a reply from Howards could someone advise me of the next step. regards

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Would someone mind helping I'm not to sure what to do thank you.

[Amethyst]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Hi Gemma xxx You have a little while until your defence is due - you acknowledged the claim when you received it and sent off the CPR request - so you can start putting your defence together ( which will be due in about 10th Feb - 33 days after date of issue on claim form ) xxx There's a few examples around but basically you'd be defending on lack of documents, evidence, assignment of the debt and how the debt has been calculated.

Will try look in tomorrow xxx

[charitynjw]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

http://www.datalog.co.uk/browse/deta...DING+2+LIMITED

Licences & Regulatory approval
We could not find any licences issued to HOIST PORTFOLIO HOLDING 2 LIMITED or authorisation from an industry specific regulator to operate. These may not be required.

https://register.fca.org.uk/shpo_nos...+Holding+2+Ltd

There are no results on the Register for "Hoist Portfolio Holding 2 Ltd"

http://www.datalog.co.uk/browse/deta...OLDING+LIMITED

Licences & Regulatory approval
We could not find any licences issued to HOIST PORTFOLIO HOLDING LIMITED or authorisation from an industry specific regulator to operate. These may not be required.

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

could someone send me which template to use for defending my ccj. I haven't received a reply from my CPR 31.15 request and I need to get the defense of tomorrow if its not already too late as I have been ill.

[icrina53]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Fri the 12th will be your last day to fill your defence. You're defending the claim not a ccj . I'll have a look for a template for you.

[genick]

Re: Hoist Portfolio Holding 2 Ltd v Gemma not sure is Situ barred help please

Hi all, desperately need help as I am getting slightly stressed that I have made a mistake somewhere along the line I have done all the above CRP 31.14 to Hoist Ltd (no response) I also sent my defence to the court as suggested.
I have now rec'd in the post a Notice of Proposed Allocation to the Small Claims Track and I am not sure what to do with it as I spoke with the National Debt Helpline who are telling me I haven't submitted a good enough defence.