Very little to say in this blog really, Hoist brought a claim, had no documents, couldnt provide any documents, a Defence was drafted on a fixed fee funding agreement, Claimant reviewed the Defence and decided that it lost its appetite for the litigation.
The Debt in question related to a bank account, we challenged them on the basis that the bank charges gave rise to an unfair relationship under s140A CCA 1974.
Hoist dont seem to have much of an appetite to fight cases where we are instructed. They never seem able to show the assignment (wonder why) and they never seem to want to test us in Court. Shame.
Another day another discontinuance arrives. Hoist Portfolio Holding 2 Limited seem to have lost the will to litigate or at least thats what were seeing from the Claims we are dealing with.
In the present matter, Hoist were faced with an application for discovery as they had failed to allow us to inspect the documents mentioned in the Claim form. The Claimant didnt even allow us to lodge the application as they discontinued without warning.
If you are being chased by Hoist or Robinson Way then let us know.
Yesterday a hearing took place in the County Court that many may overlook as being the norm, a debt purchaser lost its case and failed to recover any money. Indeed a very regular occurrence in our world.
However, while this was a County Court decision, it does have the potential to unlock doors for consumers. Why? well heres the thing.
In this case, we had a consumer who had an overdraft with their bank account. The bank had acted entirely unreasonably and had created a cycle of debt which the consumer couldnt escape from. The charges were in our view unfair (yes were aware of the UKSC ruling on bankcharges) however while bank charges can be challenged post OFT v Abbey, i had always been of the view that there was scope under the Consumer Credit Act 1974 to challenge assignees such as debt purchasers and to seek the return of those charges from them even though the debtor never paid the debt purchaser the charges in the first place.
Cue s140A Consumer Credit Act 1974. Overdrafts are clearly credit. They are clearly within the scope of s140A if the relationship has been made unfair as a result of any of the points in s140A.
The case yesterday brought before the Court the question as to whether the previous creditors conduct in creating that cycle of debt among other things was sufficient to cause an unfair relationship.
The Court concluded yes it was, and whats more the Creditor was ordered to repaid the monies to the Defendant with interest.
It seems a door has been opened, albeit ajar at present, but it seems there may well be scope to seek redress with bankcharges under the Consumer Credit Act as well as using the arguments deployed in Oliver Foster Burnell v Lloyds TSB bank plc.
I am pleased to be able to report another successful outcome from a case involving the PRA Group UK Limited.
The case in question, PRA v Gavin resulted in a ruling dismissing the Claim but crucially the Court also found the relationship was unfair as a result of over 500 harassing telephone calls made to the Defendant.
The agreement which was originally an MBNA credit agreement, was declared unenforceable by the Court as the Claimant had failed to discharge their obligations under s78(1) Consumer Credit Act 1974, there were other issues such as a breach of s61(1) Consumer Credit Act, but the Court ruled that it didnt need to look beyond the s78 issues.
So, onto the Counter-claim. Total schoolboy errors here, the Claimant carried the burden of proof per s140B(9) Consumer Credit Act, yet their evidence was so lacking and limited that they really didnt have a hope. Our clients evidence was contemporaneous , they had written down every call in a note book, they had kept letters etc.
So the outcome was the relationship was declared unfair, the claim dismissed and a substantial sum of damages to be paid by the PRA group…………oh and costs too.
So it seems that MKDP have stopped issuing claims, and instead have transferred their portfolio over to Hoist Portfolio Holding 2 Limited.
This is not unsurprising as all the MKDP cases i have dealt with were appallingly bad and really poorly prepared. I suppose it must be a good business move for MKDP as all of the cases that landed on my desk ended up with a win for our clients and a loss for MKDP, however it seems from the paperwork thats been passed to me recently that even though these cases have been transferred, Hoist still havent addressed the fundamental problems that MKDP had.
So perhaps before they issue any old MKDP cases they may wish to think about the following.
MKDP v Ali
MKDP v Sejpal
MKDP v Paul
MKDP v Springate
MKDP v Beaumont-hayes
MKDP v Hillier
The list goes on and on, and all of the above were cases that we won on behalf of our clients.
This week has been very disappointing, well for me at least. For the customers its been a week of excellent results.
Today, another notice of discontinuance arrived. This time it was from Hoist Portfolio.
At least its a good end to the week.