Hello everyone,
I have received a letter of claim from Howard Cohen solicitors acting on behalf of Hoist for a credit card debt originating 3 years ago.
As i have been reading this forum for a while I thought I should respond with a CCA Request to Hoist and sent back the letter of claim without acknowledging the debt (not enough information about it) asking for agreement details,interest charges etc.
Hoist came back to me informing me that they are working towards the CCA Request.
No response from solicitors or Hoist for the information I have requested such as interest charges notices of assignment and the rest.
I was thinking to send a Sar to Barclaycard asking for relevant information but ....would that be me acknowledging the debt and could this be used against me at the court( if we reach till there) since Howard solicitors didn't mention the original creditor clearly (only wrote to me that creditor is Hoist-ex Barclays).
Would a Sar count as acknowledging the debt?Also if i ask for ppi in the Sar would that be aknowledment of the debt?
What would make a Sar helpful for my defence and what should i ask within it in a way that doesn't form or hint acknowledging it?
Would Ppi be one of them, so i could potentially get the debt reduced and negotiate with Hoist for the remaining balance?
Many thanks in advance,this forum has been really helpful to me
I have received a letter of claim from Howard Cohen solicitors acting on behalf of Hoist for a credit card debt originating 3 years ago.
As i have been reading this forum for a while I thought I should respond with a CCA Request to Hoist and sent back the letter of claim without acknowledging the debt (not enough information about it) asking for agreement details,interest charges etc.
Hoist came back to me informing me that they are working towards the CCA Request.
No response from solicitors or Hoist for the information I have requested such as interest charges notices of assignment and the rest.
I was thinking to send a Sar to Barclaycard asking for relevant information but ....would that be me acknowledging the debt and could this be used against me at the court( if we reach till there) since Howard solicitors didn't mention the original creditor clearly (only wrote to me that creditor is Hoist-ex Barclays).
Would a Sar count as acknowledging the debt?Also if i ask for ppi in the Sar would that be aknowledment of the debt?
What would make a Sar helpful for my defence and what should i ask within it in a way that doesn't form or hint acknowledging it?
Would Ppi be one of them, so i could potentially get the debt reduced and negotiate with Hoist for the remaining balance?
Many thanks in advance,this forum has been really helpful to me
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