. Hi l1882, looks like they are just trying to scare us into paying more (sure scared the s... Out of me!) If moorcroft get in touch, I'll just say I'm unable to deal with them, as its a matter for the courts if Lloyd's want to change anything ;0)

Thanks for that renegadeimp, so scare tactics, with no basis in law ;0(

Hi, I too have received a letter from Lloyd s, saying they have transferred my debt to moorcroft, mine is a charging order, as I took Lloyd's to court as the default was issued incorrectly, only giving me 7 days, but they sent down a top lawyer, and I ended up with £5000 in costs, as the 'case was complicated and couldn't be dealt with by the bank solicitors'. But I agreed a payment plan with the judge. Like you, its now nearly 6 Years. Im really concerned moorcroft will call it in, and I will lose my home. I had thought as it had been dealt with in court Lloyd's would have to go to court to transfer etc, feel like we are being shafted. Can Lloyd's do this???

Thank you for this advice Orangest, as I have no idea how this all works, which is why i am getting stressed. I am now aware, that it is my insurance that are contacting me about an alleged accident, and want the details. I assumed I would have to find the £400, if we went through the insurance. Is that not the case. Any advice appreciated, as i am so unsure how this works.

JoeyJoec, yes I am a woman, and I was mortified at the time, there was no actual witness, but someone sat in the passenger seat and back, the driver returned whilst I was looking to see what/if damage had been done. As I said, I believed I had done no damage, there was a various scratches and marks all over the door, and they pointed out the dent, after standing back and having to have a good look. I did not mention earlier but the quote he bought to my home, was dated 2 days after he had told me the estimate, and I asked him to get a quote from a garage I know, and he messaged me the quote which was £50 more. I never received the second quote, and have been wondering what work, exactly he has been asking to be quoted on, i called in and asked for a copy, and reading it, it included repair to the drivers door as well. I then spoke to the person who dealt with it, and he said, there was a few bits of damage, but they had asked to be quoted for a dent and scratches. As I said, no exchange of paint, I saw no damage. theberengersniper, I sent pictures to the 'dent repair man', who was confident that he could do the job, and comes highly recommended.

They would not have to respray the door!

Yes they are petty, and the quote is to too take the dent out and prime, match the paint work, (a different garage quoted similar)so they would get a nice new door and I would have to find £400 to pay for it. The one I have asked them to use will take the dent out as if nothing had happened, but they are refusing to use them. Is it 3 quotes?

Hi, unfortunately my car door got caught by the wind and glanced off the car parked next to me (B&Q car park) At first look I could see no damage, and there was no paint exchanged, but the owner pointed out a 2 inch dent, when you stood back and looked from an angle. I asked if we could sort this, as my excess is £400, and it was agreed, I gave my address and mob number, and took some pictures. They got a quote for £350 + VAT from a garage, I asked for the details to be sent, and they turned up at my home with the quote. When i said it did not seem to equate to the damage done, they said we could go through the insurance. I found a company that would do the the work for £85 + VAT, messaged the details across, (not the cost) and they have said they are not prepared to do that and would be going to their insurers. Have now received a letter, from I assume their insurance company, stating they understand I was involved in an accident and can i call to confirm what happened and who was involved and they would be happy to take the details, and complete an accident report form for me. This is really stressing me out, as I keep expecting him to turn up at my home, and I have offered to sort it. Should I ring my insurers? Help please!!

thanks Steampowered, couldn't have done it without your help:madgrin: Hopefully this will help others in a similar situation....

Hi all, update, they have dropped the claim! Of course it's not because of my defense. Thanks all for the help, much appreciated

the debt collectors letter CCI legal, dated 26/12/2012 (their keen, boxing day) states notice of intended legal proceedings. the above letter is on the poc, 6, document 3, Must be the lba just noticed, letter from ccilegal dated 4/1/13 threatening field agent, listing assests etc etc, can they use the earlier letter as the lba? but still carry on with threats???

Good point becky, going through paper work now to see if they have said "letter before action", thank you.

Thank you so much steampowered, you have made me dig out my paperwork, and see how they are being quite evasive. I have also found a letter about bank workers being taken on contract if they have worked in the same position for more than a year, and can say yes to 8 questions, and I answer yes to all of them, and I am at the moment in negotiations with HR, as the department I have been working in for the past 5 years has just given me 4 weeks notice. Heyho!

sorry bit of a mare with this, POC 1. The claimant is engaged in business as a medical services provider. 2. The defendant was formerly employed by the claimant as a nursing auxillary. still am 3. From 1/9/2007 to 28/2/2011 the defendant was overpaid the sum of 2000 net salary salary? I have found out that it was actually to do with WTD holiday pay, % of wages 4. The defendant was made aware of the overpayment at which time by cover of its letter dated may 2011 never received a letter, only the invoice, and I rang to find out what it was all about. Can anyone help me with my response please? I'm quite happy to take this all the way, as I had no idea I was being overpaid as it was from day one of my employment, and I can only assume someone inputted the incorrect percentage. Also, I have only found out exactly what WTD is because of this. I also changed my circumstances, as I had a loan in 2009, to buy a computor. any help gratefully received. just reading Teaboy2 post 10, think that will form part of my response, not sure if I am in a position to make a counterclaim? They say its net salary, but on the wage slip, its in the same column as basic pay, surely that's taxable???

Morning all, and a Happy Easter, Well, I have received a claim from the NHS. don't think that's right!