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tired mommy x

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  1. I used my address. My son lives here most of the time. The policy was taken out at this address and the vehicle is registered her. I stupidly didn't send them recorded, I cant even remember if I sent them Recorded, signed for. Do I send them all again to be sure? Do I copy in the debt collection agency?
  2. Hi, all three SAR's were posted on the 5th December. Haven. Close Brothers. UDrive. Close brothers asked for ID to be sent which I did, but I stupidly did not log when sent. I have had nothing from Haven. Nothing from UDrive. My son is receiving emails and text messages asking for the cancellation fee now £262.02 from them. There is now also a DCA, CRS, which is asking for £379.54 on behalf of U Drive Cover. I cannot respond as I have no idea which is right until they respond to the SAR. They give a policy number on the email but no registration. They give the cars description but no cancellation date. Says the balance is due in accordance with the terms of business which were agreed on the inception of the policy. Do I SAR them? My son swears he has never set up a new policy with UDrive when the old one expired and would not have done for over £3k as he would not be able to afford it. Girlfriend has spoken to them several times about payments. But until I can get a copy of all calls I have no idea what is going on. I am doing all of this with my sons knowledge. He works all day long and would not know where to start. His car is registered at my address and I type the letters and he signs them (obviously not with his real signature). He does live here sometimes but also stays at his girlfriends house.
  3. Hi. Apologies for the delay in coming back to you all and thanks for the info you have given. I have had no response from the SAR's I sent out other than the one asking for ID, which I have supplied. U Drive Cover Limited are now sending letters as attachments in emails advising the cancellation fee is £262.02. They are sending text messages with the same information. Haven (which I was advised was the insurer) have not responded to the SAR and this was 1 month on the 5th January. U Drive have not responded to the SAR I sent and this was 1 month on the 5th January. Do I chase them again advising they are 'in breach' or resend them again? TIA.
  4. Hello. I have just set up insurance for my son as his policy has run out. I have requested the proof of no claims and been advised by U Drive Cover that the proof of no claims has already been issued to 'Haven' his new insurance company and they are unable to issue another one. This is not the company I have insured the car with and he certainly has not taken out any new policy. His girlfriend has spoken to his insurers and the finance company 'Close Brothers' and a company who she thinks is 'Haven'. From what she can gather a policy has been taken out in my sons name, said policy is now cancelled, proof of no claims will be issued when a cancellation fee of £1200.00 is paid. Close Brothers advise they are investigating U Drive Cover. They say they are investigating Close Brothers. Both are investigation Haven. Nobody will confirm who the 'new policy' is with until the cancellation fee is paid. I have sent an SAR to Close Brothers, U Drive Cover and Haven Insurance (in Jersey??). Sent 6th December. Nothing from Haven or U Drive. Close Brothers advise they can not process until I send photo ID and proof of address. Once they have it, they will process my request. As I am not sure which of these companies is possibly doing something wrong as they all seem to be investigating each other, I am reluctant to send anything off to them. Is it normally to request ID and a utility bill for an SAR?
  5. Thanks for your help people. They have come to an arrangement to clear the outstanding arrears without getting any further in a mess. Now I know, I will make sure that the payments are being made. Landlord only wishes to deal with me now and that's fine. It has opened up a can of worms, but fingers crossed were going to be fine from here. Wont be doing it again at all. EVER!
  6. Hi, looking for some information/advice/help. I stupidly signed as a guarantor for my son and his girlfriend in June for their house. One year contract. Review June 2023. When I signed the documents I told the landlord that I wanted to know the day after any due payment was late. This he agreed. I 'laughingly' told him I wasn't paying for any house I wasn't living in and not to leave it months before contacting me. Obviously was not listening to a word I said as he had just advised me today that there are £2600 rent arrears. August / September /October / November rent and it is due again in two weeks £695 pcm. I obviously don't have that money to lay out. Very unwilling to pop it on a credit card. I know I have been a stupid idiot for signing. Landlord wants to come to an arrangement and has reminded me that girlfriend has told lots of lies to him over the last four months and wants it paying ASAP and reminds me that this is my obligation to sort it. Son knew nothing of it before today and is as shocked as I am. Can anyone offer advice to the questions below. Can already feel the sleepless nights coming on................. Question one Do I offer him a weekly payment? I obviously have my own house to pay for. Don't think I can afford more than £100 per week. I am not defaulting on any of my bills to pay it. Question two Is it better to bang it on the credit card to stop any action? Question three How do I make sure that my name comes off it when it is renewed in June? Question four Do I need to see a solicitor to make him a formal offer of payment? Question five If he does go down the legal route, what would the process be? I know I have been so stupid but I though I had it covered when he agreed to let me know of any problems and to be fair, he has sent me screenshots of messages where the guy thought he was talking to me. I am gutted I have got myself in this situation and need to get myself out of it as soon as I can. Any help would be much appreciated.
  7. I am struggling with Studio in finding an address. They have an online form you can fill in but that's mobile number and email address. I have made up an email address for him to use for all this but not sure if I should fill it out and wait or keep looking for an address.
  8. SAR gone to Vanquis SAR gone to Capital One CCA request gone to Aqua Form printed of here and sent to solicitors acting for Aqua. What does he do about Studio and Sky? Thanks for all your help.
  9. Thanks - when I send off the SAR, what postal order do I enclose? SAR to Vanquish and Cap One? CCA request to Aqua #1 postal Order Reply form printed from here?
  10. Thank you. If Provident have gone, how can they claim it? I filled out a claim form a while back for compensation from them through a scheme. Obviously it got rejected on the first hurdle because I only ever had one loan and I never missed a payment and paid it off in full.
  11. Hi, quick update. We have found paperwork relating to Aqua. Looks like payments they were chasing default payments around June 2017. Balance on card then £2917. Balance now £3157. Just received a 'letter of claims details' from Mortimer Clarke Solicitors. It says fill in and return. Do I still send off the CCA Request? The card issued 04/2017 is still stuck to the letter so must have been in default then. Last recorded payment I can see from statements I have is March 2017. Vanquish 1. Letters from June 2017 show demands for payment but I cant find any statements. Vanquish 2. The £400 one is for two Provident Loans possibly prior to 2017 as the letter I have is chasing January 2017 and it is Fresh Start Vanquish Bank. It advises the debt was sold to them in December 2016. We have nothing at all for Capital One. How can I send to them when I have no account number? Thanks in advance.
  12. I am bailing him out because he is my son. If I find evidence of what you are saying, I wont be having any contract as it will the Police dealing with it, not me.
  13. Hi, sorry to be a pain but I have all the letters ready to send them off tomorrow but we don't have any reference numbers to put on them. I only have the Lowell References. Not having any paperwork for any of the debts means we cannot put any reference numbers on the letters. Son has searched but cannot find any paperwork either. Can I just send it off without any reference numbers on or do I just send it to Lowell? If I send to Lowell, do I include 5 x £1.00 postal order or just 1 x £1.00. TIA
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