Page 2 of 2 FirstFirst 12
Results 26 to 40 of 40

Thread: Howard Cohen Letter of claim

  • Share
  • Thread Tools
  • Display
  1. #26
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Red face Re: Howard Cohen Letter of claim

    Quote Originally Posted by warwick65 View Post
    Thanks @Diana M

    I do have trouble reading blocks of text - no ones fault just the way it is - which is why I tend to post with lots of mini paragraphs

    Anyway I will leave this alone now as i think all I have done is confuse the issue
    @dulcer - I recommend you ignore what I have said and stick with Di's advice- more considered than mine, I tend to jump in both feet first
    No don't be daft, knowledge is power as they say, thank you for your help, very appreciated and thank you Di, busy day tmw, will keep you posted

  2. #27
    Diana M's Avatar

    Authorised Representative



    Joined
    Jun 2016
    Posts
    4,935
    Mentions
    893 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by warwick65 View Post
    No do not fill in the financial statement under any circumstances

    When you tick the box you do not need to give a reason just tick the box that says I dispute this

    Remember it is for them to prove that you do owe the debt
    I agree with that

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  3. #28
    Diana M's Avatar

    Authorised Representative



    Joined
    Jun 2016
    Posts
    4,935
    Mentions
    893 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by warwick65 View Post
    Dulcer- sorry for confusing the issue

    I would just do what Di suggests

    You haven't confused anything

    My point is/was it’s all about timing and the balance between asking and telling information/disclosure on the basis that a claim may well be issued once the solicitors feel that they’ve ‘gone through the motions’ of complying with Pre Action Protocol and then issue a claim regardless on Day 31.

    My approach is from a lawyer’s perspective so ever mindful of the next step (i.e. legal proceedings).

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  4. #29
    Diana M's Avatar

    Authorised Representative



    Joined
    Jun 2016
    Posts
    4,935
    Mentions
    893 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by dulcer View Post
    knowledge is power
    I agree with that too.

    It’s also about what you do with the knowledge.

    When to be silent and when to make a noise especially pre litigation.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  5. #30
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by Diana M View Post
    I agree with that too.

    Itís also about what you do with the knowledge.

    When to be silent and when to make a noise especially pre litigation.

    Di
    Hi,

    Been to bank I'm my dates are way out, last payment made in 2013, so 6 year sb is out of the question, I don't know what to do now, I don't want a ccj tbh, I'm beginning to think would it be best to just pay £5 pm the same as what I pay apex, any help would be most welcome

  6. #31
    warwick65's Avatar

    VIP Member



    Joined
    Feb 2017
    Posts
    2,226
    Mentions
    146 Post(s)

    Default Re: Howard Cohen Letter of claim

    As @Diana M suggested, for now get the cca request off and see what comes back. You could always contact her for some free initial advice and discuss options.
    Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
    I have no formal legal training
    Any advice is offered without liability
    If in doubt take professional legal advice or contact the CAB

  7. #32
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by warwick65 View Post
    As @Diana M suggested, for now get the cca request off and see what comes back. You could always contact her for some free initial advice and discuss options.
    Ok I'll do that thank you warwick65 brill.

  8. #33
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by dulcer View Post
    Ok I'll do that thank you warwick65 brill.
    Just to clarify something before sending off cca, the creditor can't take me to court whilst I've requested the cca

  9. #34
    Diana M's Avatar

    Authorised Representative



    Joined
    Jun 2016
    Posts
    4,935
    Mentions
    893 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by dulcer View Post
    Been to bank I'm my dates are way out, last payment made in 2013, so 6 year sb is out of the question
    So it's just as well you didn't write and tell them it was SB which may have triggered a claim to beat the clock!

    Don't be downcast because it's not SB because you may well have other legal arguments. This is a Morgan Stanley credit card from 2001 which was bought by Barclaycard.

    Send the s. 78 CCA Request to Hoist with a copy to Howard Cohen.

    Send a Subject Access Request to Barclays.

    They shouldn't issue a claim before the 30 days expires so see what happens by Day 20 before deciding your next step.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  10. #35
    MIKE770's Avatar

    VIP Member



    Joined
    Apr 2009
    Posts
    5,581
    Mentions
    159 Post(s)

    Default Re: Howard Cohen Letter of claim


  11. #36
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    good afternoon Di and Warwick 65,

    I have sent the CCA requests off to the relevant companies, so see where that leads,
    but the plot thickens!!
    When I received my letter of claim I had two letter from Howard Cohen, and trust in blind panic,
    I thought they were two of the same, but on closer inspection, where it says this debt originates
    from a written agreement, well one says 09-05-01 and the other is nearly two years later, also two
    different figures and account numbers is there skulduggery at work
    or another reason for this. thank you again.
    Last edited by dulcer; 7th December 2017 at 13:04:PM. Reason: just noticed more info

  12. #37
    warwick65's Avatar

    VIP Member



    Joined
    Feb 2017
    Posts
    2,226
    Mentions
    146 Post(s)

    Default Re: Howard Cohen Letter of claim

    I know what the blind panic feels like, I really do.

    There maybe various reasons, maybe they are not sure which it is.

    Have you checked they are both for the same account, don't want to panic you but worth looking at and checking out. There should be account details on the letter
    Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
    I have no formal legal training
    Any advice is offered without liability
    If in doubt take professional legal advice or contact the CAB

  13. #38
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    hi,

    Well ive just checked recent paperwork they are both for ex Barclaycard I only ever had one Barclaycard, but two different card numbers,
    now I'm sweating again

  14. #39
    Diana M's Avatar

    Authorised Representative



    Joined
    Jun 2016
    Posts
    4,935
    Mentions
    893 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by dulcer View Post
    ive just checked recent paperwork they are both for ex Barclaycard I only ever had one Barclaycard, but two different card numbers,
    now I'm sweating again
    No need to sweat It's a letter not a court claim.

    From what you say you've received two separate Letters Before Claim. That doesn't necessarily mean either of those debts belong to you. Maybe they do, maybe they don't.

    You're at the research stage. The Barclaycards may have started life as Egg, Goldfish, Marbles, Monument or Morgan Stanley Dean Witter etc. whch is why you don't recognise them. Or maybe you never had a second Barclaycard and Hoist have got it wrong.

    Send two separate s 77-79 CCA Requests to Hoist by Royal Mail Recorded Delivery.

    One for each alleged credit card account using the reference number(s) on each separate Howard Cohen Letter Before Claim.

    Include two £1 postal orders for the statutory fee.

    Copy both the CCA Requests to Howard Cohen and send them by Royal Mail Recorded Delivery.

    I've suggested you send a SAR to Barclays and that should cover anything and everything you've been involved with. So if there were two accounts you'll soon find out.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email [email protected]. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  15. #40
    dulcer's Avatar

    Junior Member



    Joined
    Dec 2017
    Posts
    19
    Mentions
    1 Post(s)

    Default Re: Howard Cohen Letter of claim

    Quote Originally Posted by Diana M View Post
    No need to sweat It's a letter not a court claim.

    From what you say you've received two separate Letters Before Claim. That doesn't necessarily mean either of those debts belong to you. Maybe they do, maybe they don't.

    You're at the research stage. The Barclaycards may have started life as Egg, Goldfish, Marbles, Monument or Morgan Stanley Dean Witter etc. whch is why you don't recognise them. Or maybe you never had a second Barclaycard and Hoist have got it wrong.

    Send two separate s 77-79 CCA Requests to Hoist by Royal Mail Recorded Delivery.

    One for each alleged credit card account using the reference number(s) on each separate Howard Cohen Letter Before Claim.

    Include two £1 postal orders for the statutory fee.

    Copy both the CCA Requests to Howard Cohen and send them by Royal Mail Recorded Delivery.

    I've suggested you send a SAR to Barclays and that should cover anything and everything you've been involved with. So if there were two accounts you'll soon find out.

    Di
    Thanks Di, all gone today, gonna now have to sit tight and wait

Page 2 of 2 FirstFirst 12

Similar Threads

  1. Howard Cohen Letter of claim
    By dulcer in forum Welcome Forum
    Replies: 0
    : 4th December 2017, 14:21:PM
  2. Hello, Advice Please Re Howard Cohen/Robinson Way Letter Threatening Legal Action
    By Sleeplessnights in forum Received a Court Claim?
    Replies: 15
    : 14th June 2016, 17:33:PM
  3. Howard Cohen - Hoist - Robinson Way - Letter Before Claim
    By Debtrelief in forum Welcome Forum
    Replies: 10
    : 8th February 2016, 09:44:AM
  4. Howard Cohen court letter
    By glitterball61 in forum Welcome Forum
    Replies: 6
    : 6th September 2011, 17:55:PM
  5. Howard Cohen letter
    By markssxx in forum Received a Court Claim?
    Replies: 1
    : 14th November 2010, 22:14:PM

Posting Permissions

  • You may post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2017
LegalBeaglesģ are DPA Registered No. ZA158014
LegalBeaglesģ is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.

To find out more about managing your money and getting free advice, visit the Money Advice Service,an independent service set up to help people manage their money.

TOP