My partner and I was renting a 2 Bedroom Flat for a total of 16 months, this was in 2004 - 2006. Tenancy agreement was 18 months. 1 yr contract then 6 mnths.... but was there for 16. Our Electricity Meter was in a locked cupboard where all meters for the entire block was kept.. hence locked, but our letting agent said she passes on all relevant info to southern electricity. Basically when we left the property my partner thought we owed about £800 max. In 2007 we started to pay the debt to a collection agency at £ 20.00 p/m. We have made 44 payments a total of £ 880.00 However just 2 months ago my partner found the letter stating we owed £ 880.00. which we still have....so stopped the payments. LUCKY YOU FOUND THAT I SAID. A week ago now we received a further letter stating we still owe £ 540.51. so i phoned the agency and they stated the bill from SE was for a total of £ 1440.51 This covered just bills owing apparently no collection fee has been added at all from either company. So I then phoned SE to asked how the hell we could owe that for that period for the property we was in . they said meter readings etc its correct . So I asked for meter readings and rates per unit etc....... still was not happy as our first 2 bills was a total of £ 605.82 This covered 4 months . So demanded to speak to a supervisor as something was wrong ...... FIRST 4 MONTHS = 605.82 NEXT 14 MONTHS = 835.00 AND 2 PRICE INCREASES . Hurray supervisor has noticed we have used 10,000 units off peak electricity on second bill that cant be right she says do you have a swimming pool . she actually said that. so after our conversation she says she will adjust bill i agree but want a copy of every bill just to be certain. On receiving the new and corrected bill total I then realize the first bill is also incorrect ie: Days charged and also £ 8.50 carried from previous bill .......before we moved in. So she agreed to deduct £ 50.00 from first bill. so £ 1440.51 minus £ 880.00 paid to collection agency minus £ 400.00 error on bill minus £ 50.00 deduction and then £ 8.50 error, and also £ 18.xx we already paid them = £ 84.01 owed to SE. I paid it there and then over the phone so account was cleared and paid up. great I thought but wait now the fun begins. My partner had a detailed look and found further errors so phoned straight back but they were closing speak to supervisor tomorrow. next day spoke to another supervisor as the original one was off. went through bills we disagreed with and got them corrected and she said our total bills should have been £ 783.00 ....... Hold on I said you now owe us £ 200.00 approx. We have added a charge of £ 26.00 for your home visit in January 2005. Then a 15 percent charge for the collection agency fee which is £ 120. odd pound ........... What ????? we owe you £ 41.xx pence sir. so I have not accepted this if they got there billing right and had charged us originally fair enough but 7 yrs later. as we explained to them we can not access the meter unless i broke in to it... illegal. we have relied on meter readings they gave us. We have also spoken to the debt agency in question and on a recorded line from my partners place of work and they stated If you owed SE £ 100.00 NORMALLY they add 15 percent however on this occasion they did not. So now they are going to double check every bill etc do a detailed breakdown but what about these charges should we pay them or demand the full amount back £200.00 overpayment. and legally can they charge us these after we settled bill. sorry for going on many thanks all help well appreciated.

Again was getting a bit worried. Thanks to you all.

great site, help needed. Basically I have 2 debt's from Feb/ March 1999, this is when they defaulted they are for approx 3.5k. They were originally for HFC, however in june 2006 the debt was purchased from them by RW&Co, I only received Default notice in March 2008 from RW&C, I have since seeked advice and was told these debt's are statute barred, I asked for copies of cca's to which I recieved only 1 of them for the lower amount. (not the largest 1). they then kept phoning to ask for payment so I sent them a STATUTE BARRED letter from this site, to which they replied we do not accept this, (dated 08/05/200:cool: however they then phoned again and as I stated I will not discuss this on the phone they have now threatened legal action. Then yesterday I sent them a letter before action, stating if they continue to press for payment etc etc i will take action against them and report them to all relevant bodie's. Then today I recieve a letter saying pay in full in 7 day's or a substantial payment with proposals for settlement of the balance, or they intend court action which may increase the amount owed by the addition of court fee's and cost's. Also in the letter I stated I wish to have a copy of there complaint's procedure, this was sent to the MD of RW&C as well as themselves. I know I have not had any contact with HFC/ or RWC from 03/1999 to 03/2008. so as far as I'm concerned this is Statute Barred. Should I now report them to relevant bodie's for continuing to press for payment and what should I send to RW&C solicitors Horwich and Farrelly ? Any help appreciated thank's.

great site, help needed. Basically I have 2 debt's from Feb/ March 1999, this is when they defaulted they are for approx 3.5k. They were originally for HFC, however in june 2006 the debt was purchased from them by RW&Co, I only received Default notice in March 2008 from RW&C, I have since seeked advice and was told these debt's are statute barred, I asked for copies of cca's to which I recieved only 1 of them for the lower amount. (not the largest 1). they then kept phoning to ask for payment so I sent them a STATUTE BARRED letter from this site, to which they replied we do not accept this, (dated 08/05/200:cool: however they then phoned again and as I stated I will not discuss this on the phone they have now threatened legal action. Then yesterday I sent them a letter before action, stating if they continue to press for payment etc etc i will take action against them and report them to all relevant bodie's. Then today I recieve a letter saying pay in full in 7 day's or a substantial payment with proposals for settlement of the balance, or they intend court action which may increase the amount owed by the addition of court fee's and cost's. Also in the letter I stated I wish to have a copy of there complaint's procedure, this was sent to the MD of RW&C as well as themselves. I know I have not had any contact with HFC/ or RWC from 03/1999 to 03/2008. so as far as I'm concerned this is Statute Barred. Should I now report them to relevant bodie's for continuing to press for payment and what should I send to RW&C solicitors Horwich and Farrelly ? Any help appreciated thank's.

great site, help needed. Basically I have 2 debt's from Feb/ March 1999, this is when they defaulted they are for approx 3.5k. They were originally for HFC, however in june 2006 the debt was purchased from them by RW&Co, I only received Default notice in March 2008 from RW&C, I have since seeked advice and was told these debt's are statute barred, I asked for copies of cca's to which I recieved only 1 of them for the lower amount. (not the largest 1). they then kept phoning to ask for payment so I sent them a STATUTE BARRED letter from this site, to which they replied we do not accept this, (dated 08/05/2008) however they then phoned again and as I stated I will not discuss this on the phone they have now threatened legal action. Then yesterday I sent them a letter before action, stating if they continue to press for payment etc etc i will take action against them and report them to all relevant bodie's. Then today I recieve a letter saying pay in full in 7 day's or a substantial payment with proposals for settlement of the balance, or they intend court action which may increase the amount owed by the addition of court fee's and cost's. Also in the letter I stated I wish to have a copy of there complaint's procedure, this was sent to the MD of RW&C as well as themselves. I know I have not had any contact with HFC/ or RWC from 03/1999 to 03/2008. so as far as I'm concerned this is Statute Barred. Should I now report them to relevant bodie's for continuing to press for payment and what should I send to RW&C solicitors Horwich and Farrelly ? Any help appreciated thank's.

Hi me again had a phonecall from Horwich Farrelly this morning, 13/05/08. asked what it was concerning and they stated Robinson way & Co, would not confirm details as I did not know who they were, I was told I should recieve a letter by next week.....looks like there solicitor's. what should I do now ? so far have just sent letter back to robinson way, see above No 2. shall I report them straight away to the relevant organisation's. any help plz....thx

sorry everyone first post should be Defaulted in 03/1999......robinson way and company purchased debt in 06/2006.....then notified me in 03/2008.....this is the correct dates. However I have been paying them for a seperate debt from 03/2006, asked them why it took them so long to notify me they said only just linked addresses.

Recieved a letter from them today this is what it say's! Further to your recent communication, we do not accept that the above account is time barred under the limitation act. Even were you to demonstrate that this debt is time barred, the debt still legally exists and may be reported accordingly to the credit reference bereaux, as appropriate. We are prepared, however, to offer you a substantial reduction to settle this account once and for all. Should you be interested in taking up this option, please telephone us on the above number. What should I do ......? I was on the understanding a debt can only be placed on your credit file once, when it defaulted, so can they place it on there again....? ie: when it was originally hfc debt they would have put a default notice in 99. so can they put default notice on again after all this time... many thx to all.

Hi everyone great site, I received a letter from Robinson Way & Co, This letter stated I owed £2,500.00, so I phoned them to ask what for, was told this was for Ex HFC and also there was another £1,000.00 for a seperate account. The account's defaulted in March 99, they purchased the debts in June 06, and then notified me with a demand or court action if not paid within 7 day's in March 98. I do not know if I was taken to court during that time as there is nothing on my credit report for HFC however as it's over 9 yrs ago this would have come off my file by now. On my credit report there is HFC as listed as looking at my report in 1999, but that is it. I was told this debt was statute barred by member's of this site, and I even phoned National Debt line and was told the same. May I add they have not recieved any payment's from me since 03/99.....and I have not made any negotiation's with them since. However I have since asked for the CCA agreement's of which I have only received the one for £1K total, then I sent a letter stating these account's are STATUTE BARRED ( recorded delivery) over the last few day's i have had about 10 call's from them, I will not talk to them over the phone however I stated to them if I continue to receive phone calls from them I will report them to the relevant bodies, I also asked for a reply to my letter and they have now said they are proceeding with court action. Help.....where do I go from here and what's the best way to deal with it? any help much apprieciated thx. These people are driving me mad.

I would go to ford's and try and get something in writing from them to use in your complaint to the dealer who sold you the car. Then go to your local trading standards office and explain your complaint and you have been told by ford's the problem etc. Did you get a warranty with the car? they may act on your behalf ..... or call them politely to come to a reasonable outcome. If you still don't get the issue resolved then seek legal help. I am not a legal expert but they helped me once against a car auction company....had full refund. hope this get's sorted for you both, and also I would state any rental charges for a hire car etc, you will seek to claim from them also, as you can not do without the car that's why you purchased it.

Toptara vbmenu_register("postmenu_1488216", true); Basic Account Customer Join Date: Apr 2008 Posts: 1 Sorned vehicle on the road Hi everybody I had a little van which was an MOT failure and had SORN'd it and was keeping it in a rented garage around the corner from our house. I advertised it for sale as an MOT failure and a potential buyer wanted to view it. So I removed it from my garage . I then parked it in allocated parking outside our house overnight. (Which I understand is technically still the public highway) I was unable to return it to the garage after the viewing as there was a house fire in the road and the police closed the road for the whole weekend and would not allow any vehicles to enter or leave the road. D A bored community support officer noticed the vehicle was untaxed and put a notice on it. I approached him at the time but it was too late as he had already issued the notice. I received a letter from DVLA asking me to pay £175 out of court settlement. I wrote and explained but they are taking it to court. I am having no end of problems at the moment so did not have the choice of paying the fine as I simply do not have the money. Do I have any defence in court? SO SHOULD NOT BE ON THE ROAD? LEGALLY This is not me, hence the name..... but trying to show the point in law a car, van,etc is either legally parked or not, it can not be both.

I was thinking this consumer site is for people who have an issue over many concern's to post in the appropiate forum? may i just add this. if all parties involved provided full doc's there would not be an issue. it has arisen due to the fact 1. threatening behaviour towards dazz. 2. not all doc's are in order even police stated not on this planet. 3. the guy in question works for panel beater repair garage and told dazz he would hike price up?. 4. wrong doing for hitting the car in question, however I hope ins do not pay if not legal, as this means higher premiums for all of us even though the car was not/ as far as we know legally supposed to be there. 5. It is because of this dazz has an issue as he refused to get 3 quotes said he will do it himself to dazz on the phone. DAZZ MAKE THE FACT'S CLEARER. THX

Also i understand the point you are making pay as it's your fault, and i agree but legally dazz is entitled to see or for them to provide valid doc's etc.....yes dazz's ins should pay as that's ther route the guy wanted. but if it is proved all doc's are in order fair enough, but if someone threatened me I would make sure the guy etc get's what's coming to them.......legally I might add. Dazz ask brian to have a word? haha

joncris what's your point explain? here's my opinion: dazz has said he accept's responsibility, all he is asked for is valid insurance details as the third party in question has requested they go through insurance company's. (dazz did say he would pay out himself for the damage) also his driveway is adjacent to their house ie: at the side of building, as the car was parked on the main highway ( main road ) this would indicate that legally the car should be taxed, mot'd, and insured ! I had a car hit mine i was not driving at the time but as my car was parked in a layby it was classed as on the main road therefore the police requested ins, tax, mot cert. ( from myself ) It turned out the guy was not insured and police prosecuted him. I had the option of county court for damages etc, but decided as i knew the guy and he had very litttle money it was not worth it. So yes legally it require's full doc's etc. If the car was parked off road or on private property thats slightly different. Hence a SORN declaration.? as for JONCRIS's comments ( laughable ) I'm sure if a child of his was playing near, on, or by the roadside and an uninsured driver hit them his opinion would change drastically... not being nasty joncris but as far as I'm concerned any uninsured driver should be entitled to nothing by law. Also as far as I'm aware the document's provided to dazz from the third party was for the guy who threatened him, however he is a banned driver ( current ) so his insurance would be void? as i'm aware they witnessed the lad's girlfriend driving the car away, but she is state'd she does not own the car. therefore i would determine who owns's the car and is there a valid ins cert. I would contact the police again and demand this is looked into further as far as i'm concerned you should have the right to sue whoever own's the car if it should not have been there legitamately. here is a little hint for you all How to make money....The easy way. buy a car don't do anything tax no, mot no, ins no, reg keeper no, then park it in a place where it will get hit..... then claim claim claim...Why have we all not thought of that..... let's ask Jonchris! plz reply......

Hi Sequenci as far as i'm aware of there is no court order as the letter notifying me of the debt threatened court action if not paid within 7 days. this was issued by the dca invovled. i had totally forgot all about this debt but was told it is statute barred as it defaulted in 02/99......The dca purchased debt in 06/06.......notified me of debt in 03/08. so 9yrs since default .... surely statute barred?

DCA are RW & C

sorry .... I have not admitted debt to these at all. however was paying until feb/ march 99. is it statute barred?

reply : debt collection agency. thx I have not admitted debt to them also have just received letter stating : Further to your request for a copy statement/ agreement for your account our client confirms that all relevant information has previously been sent to you, and that the balance outstanding as stated is correct. they only provided a copy of original cca for the 1k had nothing regarding 2.5k

Thankyou for taking time to read this thread. I received a formal demand from a dca asking for a total of 2.5k, I phoned the number as I have no memory of this debt, was then told there is a further 1k as we'll. asked them to provide a cca one arrived today, but still waiting for the 2.5k one to arrive. ( this took them app 24 days.) I have recalled what this was for and know now I did purchase these items. However they are saying purchased in june 97, both items same day same company, and Defaulted in feb 99/ march 99. Have heard nothing until this dca purchased debt in june 06 (apparently) and they only let me know about this in march 08. To make matters worse I have been paying this dca money which ends soon from march06 for another debt I had. £38 left to pay. they said they have only just linked address..haha a bit late. Is this Statute Barred? as far as I'm aware they purchased this debt 7 yrs after default, I have printed SB letter to send them but what should be there reply, and also what should be my next action taken? many thanks again.

Thankyou for taking time to read this thread. I received a formal demand from a dca asking for a total of 2.5k, I phoned the number as I have no memory of this debt, was then told there is a further 1k as we'll. asked them to provide a cca one arrived today, but still waiting for the 2.5k one to arrive. ( this took them app 24 days.) I have recalled what this was for and know now I did purchase these items. However they are saying purchased in june 97, both items same day same company, and Defaulted in feb 99/ march 99. Have heard nothing until this dca purchased debt in june 06 (apparently) and they only let me know about this in march 08. To make matters worse I have been paying this dca money which ends soon from march06 for another debt I had. £38 left to pay. they said they have only just linked address..haha a bit late. Is this Statute Barred? as far as I'm aware they purchased this debt 7 yrs after default, I have printed SB letter to send them but what should be there reply, and also what should be my next action taken? many thanks again.

I recieved a letter this morning from robinson, way & company limited, stating a formal demand for payment of 2.5k. Only ref on letter was EX HFC BANK. I called RW to try and find out what this was for, they could not say for what or where the money was borrowed but advised me this was taken out in 1989...the default was 10 yrs later in 1999. Totally amazed as: 1. I didn't have any finance during that period 2. Unless I was in a daze and don't remember I certainly wasn't making monthly payments for 10 years of my life. 3. Convinced I was going mad I even called my ex wife who confirmed she too had never heard of the company, and that we had no finance at that time. The plot thickens as a lady from RW then advised me during our call that there is another outstanding debt to this company of £1K + for the same time 1989 - 1999. RW have said they bought the debt in 2006 and have threatened legal action in their letter. I have asked for a copy of the credit agreement but they was unable to help (and think HFC will no longer have this). I really don't understand why RW have not contacted me until now, as they have my details from a debt I am currently paying (one I do know of) that will be fully paid in June this year. RW did mention that this debt was registered at my previous address, I was not living there between 1989 - 1999 so am concerned how this could be! I explained to them have never heard anything at all about this until now no recollection at all what this could be for and I am extremely worried...thanks for taken time to read post.