Please help - Letter of Claim

[Varboss]

Hi all, I've just signed up but il try my best to explain.

I've recieved a letter from Howard Cohen solicitors on behalf of hoist. Its a letter of Claim.

The original creditor was Capital one and the amount being claimed is £383.53. The date of default was 4/11/2016 so sadly not statute barred.

I had alot of problems during this time and tried to run away.

I've replied to the Claim form ticking Box D ( I dispute the debt).

I've also ticked box I ( I need more documents)
I have e asked for The agreement, The default notice, The termination notice, The notice of assignment, The deed of assignment and finally a full statement of account.

I have also used the template here for a cca request and will get the postal order tomorrow (who do I make this payable too).

I haven't signed the notice of Claim letter but I have printed my name where it says print and left the signed section blank. Well not entirely blank, I put not needed there and drew a line thru it.

I have photocopied everything. At this stage is there anymore i can do.

Thank you for your time and hopefully you can help.

[The Tech Clerk]

Start a diary first before sending anything off:-

Type of account –
Date commenced -
Approx balance -
Date last paid –
Are you on arrangement or not paying
Status -
Account owner -

Letter Of Claim:-

Contact Colin G Quinn with a cross reference to this diary. Initial contact is free!
For advice as how best to proceed!
have a word initially free who deals with a lot of cases before you do more but get the diary done,

[The Tech Clerk]

Claim Received CCA Request Template send when told to get proof posting (free) keep copies of all on file. welcome by the way.

[Varboss]

Hi and thanks for replying.

Type of account - credit card (Capital one)

Date commenced - 5/8/2015

Approx balance - £383.53

Date last paid – not sure exactly but default date was 4/11/16 so no payments since then.

Are you on arrangement or not paying - Not Paying.

Account owner - Hoist finance UK (Capital one)

[The Tech Clerk]

chat to colin initially, CCA newish so no doubt done on line? if so not an issue usually?

[Colin G Quinn]

Hi,

I have received your message and I have responded.

A date of a default is not the only reason a matter such as this may be statute barred. Far from it. For example, a claimant being not authorised under a statutory instrument would also render any claim statute barred.

As you say you have copied everything, do you want to send copies of what you have to my email address in my disclaimer below? I'll review everything and one of us will get back to you.

We do not charge for initial advice.