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  1. my insurance is due for renewal in september. Area manager of kwikfit came to see me today very apologetic and assured me it will be fully repaired , they will cover all costs and provide me with a courtesy car while it is being repaired and returned back to me like new . with it being the weekend , he will get the ball rolling monday and contact me again monday
  2. morning and thankyou for the reply . will my insurance go up due to this even though its not my fault
  3. evening all , i am looking for a little advice as to what to do next . i took my car in for its MOT today at my local kwikfit and it passed im happy to say , i was handed my keys and certificate and i went to retrieve my car. i got in started the engine put my seat belt on and released the hand brake after puting it in to reverse and hadnt moved when there was a bang at the back , i looked in my mirror and saw a car going back into a fitting bay . i got out and looked at the back of my car and my bumper is all scuffed and and chunk missing out of it and my tailgate didnt at the corner . the employee had reversed out of bay without stopping and because carpark was full come out at an angle and hit my car . i reported it amediatley to the manager who apologised and that they take full responsability . i told them ok , but what are they going to do aboput it and he said he would get intouch with area manger and my response was i wasnt leaving until he had contacted him and that i had some form of letter stating the responsability and signed , which he did. he also told me that it was the emplyees first time at doing brakes on his own and should have reversed out with caution and the area manager would contact me tomorrow firstly sorry for the long story but i wanted you to get the full picture , my questions are 1. do i contact my insurance 2. do i report it to the police 3. do i wait for them to contact me or go back first thing in the morning thankyou in advance for any assistance anyone can give
  4. with it been six years and three month old they may leave it be now. fingers crossed still nothing showing on credit report either
  5. hi all , received a letter today from robinson way and it states dear mr xxxxxx we refer to the above account which will no longer be managed by this office all future payments and correspondence should be sent to our client directly, if you were paying us by standing order please cancel that instruction thankyou for your cooperation does this mean that's the end of it or will I be pestered some more later down the line I would just like to thank everyone for all the help I have been receiving on here ,you are all great!!!!!!
  6. thanks for that dx , I have sent your template letter to them and awaiting reply the letter they sent me says as follows dear xxxx further to your recent query , our client advises that the last payment received for this account was £5.00 in February 2009. the account is therefore not statute barred. please complete the enclosed financial statement and return with your affordable proposal for payment within the next 14 days
  7. this is the letter I will be sending to them, I have just added a bit to the statute barred letter template . is there anything I need to add Robinson Way Quays Reach Carolina Way Salford M50 2ZY Dear Sir/Madam Reference No: xxxxxxxxx Your company has contacted me in respect of the above account which you claim is owed by myself stating I have made an alleged payment in 2009. I have no acknowledgment of this payment and you have not provided me with a copy of the alledged payment. I am requesting a copy of this alleged payment I am supposed to have made as you stated in February 2009 and as I have stated I have no acknoweldment of any such payment and again would like to advise you that the account is statute barred. It is my understanding that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970". You have also stated that a door-step collection could be sanctioned in regards to this alleged debt, Please be advised that I will only communicate with you in writing or email. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to your reply. Yours faithfully
  8. am i right in thinking if it is no longer on my credit file that robinson way are just trying it on then
  9. ok thankyou,i will post there response when i get . thanks again for all your help
  10. Hi dx thankyou for the reply. I sent them the template letter only After the six year date which was in march I waited until it was no longer on credit file before sending it. Do i need to send proof and if so what proof can i send.
  11. hi everyone , I thought I was rid of robinson way after sending statute barred letter but I have received a letter today saying that I have made an alleged payment in 2009 for £5 and it is not statute barred and I need to pay the full amount. I have checked my credit file and this debt is no longer on file it has dropped off, are robinson way trying it on because I have never made a payment at all to Santander or robinson. any advice would be appreciated and thankyou everyone.
  12. thanks everyone , I will monitor it and hopefully I wont be harassed too much
  13. hi its just a copy of change of address form nothing else
  14. hi and thanks for the reply , I changed banks 2007 when I started my reclaim of charges and moved all direct debits to new bank so from then on nothing was going in or going out and I have denied all knowledge of the debt since /refused to pay the amount as it was all charges. they never renewed my bank card in December of 2007 or sent me anymore statements either. I was told on here that the default date on my credit report is not a true date as they default it upto three months earlier is this true? do I need to send any letter to robinson way or should I put up with the harassment until end of march then send statuted barred letter . the 8th of march 2008 is the default date on my credit report
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