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So yesterday, 21/01/19, I received a ‘Letter of Claim’ dated 15/01/19 from Cohen Howard & Co Solicitors advising that they were acting for their client, Hoist Finance Uk Holding 1 LTD (HFUKHIL (ex Barclaycard) who intend to issue proceedings in County Court for an outstanding amount I have failed to pay, with the purpose of obtaining a CCJ, unless I provided them with acceptable proposals for paying them £4k+ within 30 days of their letter - clearly leaving only a short amount of time, which I consider an unreasonable amount of time to trawl the internet and/or take advice and respond or make contact.
Any previous letters sent by Barclaycard, Robinson Way LTD or Hoist Finance UK Holdings 1 LTD concerning an alleged 'Notice of Assignment' have not reached me or been acknowledged by me, I suspect largely because they were sent to previous addresses and not forwarded on to me, or because by the time they had reached my current address so much time had lapsed and I had no knowledge of who they were or any evidence of entering into a credit agreement with them.
Today I have sent a CCA request to HPH1Ltd/Robinson Way Ltd and also included a copy of the 'Pre Action Conduct - Request for Information' that was also sent to Howard Cohen Solicitors at the same time. I included a Postal Order for £1 made out to HPH1 Ltd and wrote on the front that the PO was purely a statutory payment to obtain a true copy of the credit agreement and was in no way to be taken as any acknowledgment or payment towards any account.
Both letters were obtained from your forum and had previously been provided by Tiggy via another post some time back. Both letters were amended accordingly to be relevant to me and sent as recorded, tracked and signed for. My next question is, should I just wait for a response, or should I also start the three standard letter approach which is advised on this website as an option to dealing with Debt Collectors? If I were to receive a notification from the courts, but no response from HPH1Ltd, Robinsons or Howard Cohen Sols, I understand from advice taken from other posts that I should, 1) apply to the court to 'Stay the Claim' until they do respond. 2) Raise a CPR18 to the claimants solicitors and 3) Acknowledge service with intention to defend using the online court system - Is my understanding correct and do all three things need to be carried out and in the order I have stated?
Many thanks in advance
Any previous letters sent by Barclaycard, Robinson Way LTD or Hoist Finance UK Holdings 1 LTD concerning an alleged 'Notice of Assignment' have not reached me or been acknowledged by me, I suspect largely because they were sent to previous addresses and not forwarded on to me, or because by the time they had reached my current address so much time had lapsed and I had no knowledge of who they were or any evidence of entering into a credit agreement with them.
Today I have sent a CCA request to HPH1Ltd/Robinson Way Ltd and also included a copy of the 'Pre Action Conduct - Request for Information' that was also sent to Howard Cohen Solicitors at the same time. I included a Postal Order for £1 made out to HPH1 Ltd and wrote on the front that the PO was purely a statutory payment to obtain a true copy of the credit agreement and was in no way to be taken as any acknowledgment or payment towards any account.
Both letters were obtained from your forum and had previously been provided by Tiggy via another post some time back. Both letters were amended accordingly to be relevant to me and sent as recorded, tracked and signed for. My next question is, should I just wait for a response, or should I also start the three standard letter approach which is advised on this website as an option to dealing with Debt Collectors? If I were to receive a notification from the courts, but no response from HPH1Ltd, Robinsons or Howard Cohen Sols, I understand from advice taken from other posts that I should, 1) apply to the court to 'Stay the Claim' until they do respond. 2) Raise a CPR18 to the claimants solicitors and 3) Acknowledge service with intention to defend using the online court system - Is my understanding correct and do all three things need to be carried out and in the order I have stated?
Many thanks in advance
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