apologies i thot u cud, just discovered u cnt

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Stumbled across this post! Wanted to say thank you for this adv... decided to use the referred solicitors and as I now have a better understanding of what those terms mean - it has been helpful. Thank you.

Cliff... What an outcome...we can only hope for the best but, your pro-activeness in addressing the recent minor bump was commendable because had insurance been in a position to get involved from the on-set it would end up being more and costly, just to earn more money from a bad situ. Hope it works out with the initial issue at hand of the £600 Godspeed.

Hey Cliff1963 - you're welcome, most importantly you have a point there...insurances premium adjustments is like a game they play, it's sad, there is no clear guideline. Keep us posted

Hey guys! Just ran across ur post today as I wondered the same thing when I thought of the accident I had yesterday and I'm insured by Direct Line. I asked them and they said to me as the accident the other person who hit me admitted liability etc I will NOT be suffering any loss, my no claims bonus is SAFE therefore NO premium increases and the car is being repaired and a hire car was given etc no...perhaps there are insurers alike who wouldn't increase ur premium etc. Hope this helps.

Wow, it is helpful - thanks. I felt like maybe I have made a step towards knowing what I am dealing with in terms of Uncle Buck and Carter Forbes Legal and their associates. PS. I think I've clicked your star 3 times, lol since last week and it said spread your reputation rating around before adding again lol. I am grateful I have rep rated each one who's given me any input

BRIGADIER2JCS thank you. I will draft a letter as you have said and just put the mobile no as a reference and no address/full name/signature? since they only seem to have my mobile no. and 1st name only too. I will also hear from the legal money lending team next week about their licence and if they can intervene i.e. anything shady going on. Thnk u

Get well soon and I pray you find something soon, if I owned a co. I'd hire you anyday, experience is a key asset. I will wait to hear back from the pple you kindly pointed me to and see what will happen next. It is the last thing I want right now, when I just want to do my job hunting in peace, I have to stop worry and get depressed with these msgs. I will definitely save them and I think I can print them off my pc when I connect my mobile and view msgs. Thanks for that, I will save them all now and back up my texts on the O2 site.

sillygirl1 Thank you for this. I went to site and it led me to a trading standards site which linked to the legal money lending team etc and I called them and discussed what happened and they said we will investigate Uncle Buck and call you next week with what we find. We have to make sure they have a valid consumer licence since the time you took the loan 3-4yrs ago and then we can see if there is anything that can be done on our end. He also said, if they have had a valid consumer licence since the time you had a loan, maybe they sold your debt to a debt collection agent and they took a long time before they got to me i.e. Carter Forbes and their Bailiff friends and partners etc. The problem though is if I have had the same phone no. the same home address and the same email address why wait for over 3yrs to claim £200 if indeed it was owed and the company hold your correct contact details, why go to a debt collector and sell off a debt that is not irrecoverable from their perspective? I hope he finds out about them and then if they had a licence when I had my loan then it becomes complicated due to the right to add interest but, the fact that I did not change my no./address/email address and if I physically signed an agreement or not etc. I dnt recall signing an agreement, maybe I did but, they gave payday loans via email and you send your payslip etc as evidence of income etc but, nothing was sent in writing but, that's as much as I can recall as it is almost 4yrs ago. Oh God, £4,472 is a lot of money, do they realise the impact it has on the pple gettin their msgs...or I guess that is what they want

Thank you sillygirl1 I just felt num since yesterday, it's 1 thing to fight Uncle Buck with why they never called/emailed/wrote to me if I owed them that £200 but, it's another to say that £200 is now over £4,000 owed!? Guys, I dnt know why I'm struggling so much with acting here, I'm just low right now, trying to find a job and the next thing I get is this awful experience of texts and claims. SHALL I KEEP IGNORING? I DNT EVEN HAVE A REFERENCE NO. TO CONTACT THEM EXCEPT GIVE THEM MY DETAILS WHEN I RING THEM WHICH IF THEY DNT HAVE THEM, I WON'T GIVE THEM since it'll be making it all too easy for them..? SHALL I STILL WAIT UNTIL SOMETHING OFFICIAL COMES IN THE POST? ARE THEY JUST PLAYING WITH MY HEAD GUYS? Sorry I know you guys said, ignore it for now unless something more concrete i.e. written letter comes with proper accounts references and my full details etc BUT, still nothing has come except the depressing texts. O2 said they could not stop the texts unless I change my no. as I am already ex directory listed or smthng.. How much more can I take. I think now I'll delete them before reading the texts since you guys confirmed, you can't take someone to Court with only communicating by text can you. Why dnt they attempt to call/write if there is some real truth to their accusations? They have my no. already.. You guys are right maybe I'm stressing too much but, I got wound up by that large sum of money now.

***CF Legal/Carter Forbes Debt - have started texting me again today*** The text reads as follows: "MADHAFU, You have an outstanding debt with Uncle Buck of £4,472.50 call 08450268038 today before your account is vetted for legal action." Guys, how does a payday loan I believe may have been for like £200 become almost £5,000? I'm helpless right now. Does this mean they are now starting something legally? Although, I can't remember not paying that one off payday loan, I have NEVER borrowed anything above a small amount of £200 AND if I was aware this was not repaid why did they wait to chase me today? Almost 3yrs later! I have no money to even pay the damn £200 if it came to that and I am almost sure I parted with money to pay them how could I have not heard from them for 3yrs??? They would be chasing me...but, I never moved houses or changed my no. so this frightens me. ***HELP!*** What now...?

Thanks, Andy am gonna ignore the texts and have emailed O2 to ask if I can block unknown msgs etc

Thanks B, I will not call them.

brokebutnotbeatn Thank you so much from that you've said, I do feel a heck of a lot better I will ignore!..why should I pay for old statements tryin find out about this transaction when it's their problem and for 3yrs I heard nothing when my address and phone no. remained the same. Thanks.