I had a letter from the debt collector today. Should Inreply saying the debt is in dispute with the original company ? I'm guessing they can't act if im disputing the debt ?

That's my theory. To break it down simply - I hired the car,didn't notice any damage and nor did they. When I dropped it back they notice damage. The car was sent for repair and it was discovered that the car had been damaged previously and repaired badly (lots of filler,paint that wasn't a 100% match). They couldn't repair the damage that they noticed (a minor scratch and a minor dent) because the previous repair had been done so badly. They tried to charge me for replacing the whole door. I asked for the report and then they offered to pay for half. They have told me that since the previous repair wasn't their fault they shouldn't have to pay for it but it wasn't my fault either so neither should I !

Thank you. I rented a car from enterprise back in June. When I returned the car they noticed some very minor damage,I had no idea how the damage occurred. About a month later a recieved an invoice for nearly 1000 pounds to repair the damage. I was a bit shocked as the damage consisted of a tiny scratch and a dent that was so minor I didn't even notice it when I checked the car over. I requested that they send me the damage report which they did a few weeks later. It turns out the car had been previously damaged in the same area and had been repaired badly without the knowledge of enterprise. This meant that instead of just repairing the scratch and the debt they had to replace the whole door. I have no idea of the damage was there before I hired the vehicle and nor do enterprise. They are saying that because the previous repair was not their fault then I have to pay to fix it. They have however offered to pay half of the costs. My view is that the damage may have been there before I hired it and neither me nor the enterprise staff noticed it as it was so minor. It was only after I dropped the car back the the damage was noticed and the previous bodged repair discovered. I have told them I am disputing the claim and will be seeking advice on how to proceed. They have now handed the case over to a debt recovery company. Should I just pay the charge ? Should I make them an offer ? Or do people think that the fact the I have no idea how the damage happened and the fact that the car had previously been repaired badly without mine or enterprises knowledge means that the damage could have already been there before the car was in my possession and therefore I am not required to pay for the subsequent repairs ?

Is this the right place to post about an enterprise rental damage claim ? If not please could somebody point me in the right direction. Many thanks.

But the warranty is with the importer not the garage.

Hi all, I am having a few issues with my scooter warranty and I wondered if you could help confirm the legalities of a few things. I bought a scooter in March of this year,it came with a two year parts and labour warranty.The warranty was with the importer of the scooters not the manufacturer. A couple of months ago importer changed and now the new importer is saying they will honor existing warranties but will only cover parts and I will have to pay for the labour. Is it legal for them to suddenly change the terms of the warranty ? Many thanks in advance for your help.

Well its been a few months now and I still haven't heard anything back from them BUT the letters from wescot have stopped. Should I write to Barclays and ask why they have not replied to my letter ? Im guessing they are just sitting back and hoping that I pay up to clear my credit rating.

Ok I wont thanks for the heads up. My account is with Barclays not llyods shall I just send it where I sent my SAR ?

Anyone ?

Oh and where should I send it ?

Heres a copy of the letter I am planning on sending to Barclays please let me know what you think. Dear sir/madam I am writing to you with regards to my defaulted bank account. According to the bank statements you supplied me and the countless harassing phone calls and letters I have been receiving from Wescot debt collection agency I owe you (Barclays bank) £420.30. During a period between March 2009 and March 2010 I lost my job and fell into financial hardship this in turn caused my account to fall into arrears in the form of an unauthorised overdraft. As you can see from my records, on a couple of occasions I tried to set up a small overdraft to cover me should something like this happen. These applications were denied. You can also see from my records that I made attempts to clear the un-authorised overdraft often paying money into the account that would otherwise have been spent on food. After looking through the statements and information included in my subject access report it has come to my attention that a high percentage of the money you claim I owe is the result of charges. These charges made paying back the money even more difficult and daunting as the amount kept growing even though I was paying money into the account. The total amount of money owed including account fees and the interest incurred but minus any of the charges is £463.06p. The total amount of money I paid in to the account during the period it was in arrears is £456.56, £6.50 less than the amount owed. As you can see there is a vast difference in the amount owed when the £364 worth of charges are removed. Even in my poor financial state I would have been able to afford to pay the £6.50 I actually owed, balancing my account and saving me from the harassment of the debt collection agency. I am now in a situation where I am able to clear this debt and restore my credit rating. I do not however think it is fair or just that I pay you over £300 worth of charges when the amount I actually owe is only £6.50. I enclose a cheque for £6.50 and trust that you will accept this as full and final payment of the debt. Yours faithfully M

Ah hang on I knew it was too good to be true ! I had forgotten to add the interest and account fees for the period between July the 1st 09 and when the account was closed in March 10. The Interest and fees total £52.08p which brings the grand total up to £463.78. Deduct the amount I have already paid in (£456.56) and you are left with £6.50. So it looks like with all the charges deducted I actually owe them the huge sum of six pounds and fifty p. I am guessing this isnt making sense to a lot of you !

Ok thanks , The plan is to find out how much I actually owe them minus any charges.Just to be fair I am willing to pay any account fees and interest encored. From the 26th of March 09 until the account was closed and a default issued on 8th of March 10 my account was overdrawn without authorisation. During this time direct debts came out of the account but I also paid money in to try and clear some of the debt. During this period the most I ever owed the bank was £646.98p , this was on the 1st July 09. Obviosusly charges were added between the 26th up until the 1st of July so I deducted these charges which gave me £410.98p Now if my thinking is correct the actual amount I owe Barclays minus any charges is £410.98p. Next I added up all the money I paid in during the period between the 26th of March 09 until when the account was closed in March 2010. The amount of money paid in totalled 456.58p a difference of £45.58p ! So instead of me owing the bank £420.30 like they claim if I remove the charges they actually owe me £45.58p. Does this look correct ?

Ok well I have done some maths and if my working out is correct and I remove all the charges (not the interest and account fees just the charges) then Barclays actually owe me money ! Does anyone mind if I summarise my maths just to make sure it all makes sense ?

Just got home from work and low and behold a big fat parcel from barclays waiting for me damn ! Also a letter from Nelson guest and partners solicitors ( I am guessing they are part of wescot ????) I have informed wescot on more than one occasion that the account is in dispute are they breaking the rules by continuing to contact me ?

Well in a previous letter to me they acknowledged my letter was sent on the 18th of Feburary so I am guessing that the 40 day period starts from then ??? If this is the case then THEIR TIME IS UP ! What do I do ? Who do I tell ? Do I wait a few days just incase the postman is having the day off ?

Three days until the deadline !

Im going to ignore wescot. The money I owe Barclays is from an unauthorised overdraft therefore most of it is charges. They closed the account a couple of years ago and I have a red default marker on my credit rating which I want to get ride of. My plan is to get the SAR info from Barclays , work out exactly how much I actually owe them minus all the charges and offer them some or all of this amount. I will use the fact that they didnt respond to my first SAR request to my advantage. Sound good ?

Ok where do I start ??!! The only problem I have is that I don't think I still have the receipt from the recorded delivery when I first sent the SAR so it will be their word against mine. Since then I have bought a folder and I write on the back of all my receipts what it was that I sent.

Just a quick update , I still haven't received my SAR paperwork from Barclays and their time is quickly running out. I am however still receiving letters from Wescot . After receiving this letter :- "We refer to your recent communication regarding the above account. Whilst we acknowledge the contents of your letter, to enable us to investigate this matter firther , please provide us with full details in writing in order that we can liase with our client. We look forward to recieving the above as soon as possible together with payment on the part of the balance which is not in dispute" I replied :- "Dear Sir, Thank you for your letter dated dd/mm/yyyy. I am happy to provide the full details you requested. They are as follows, the account is in dispute. I am also happy to pay in full the amount not disputed. This amount is £0.00. Thank you for your letter and I trust this addresses all the issues contained therein." I then received another letter from them asking for more details which I ignored. Today I received another FINAL NOTICE saying that I must pay up in ten days or they will take me to court or turn up at my door Now , they know the account is in dispute as I have told them so in writing , Barclays know the account is in dispute as I sent them the SAR letter and they responded to it SO are wescot breaking any rules by continuing to contact me ? If yes what can I do about it ? Thanks again in advance.

Its just more ammo I can use against them when I send them my fair and final offer.

I sent the first SAR that they "did not recieve" over a year ago.The little reminder I sent them was on the 18th so they have 30 days.

Today I recieved a letter from Barclays saying "we write further to your letter of 18 February and apologise that we did not receieve your earlier letter in this department" It then goes on to say they will be supplying me with the data I have asked for within the 40 days. Looks like they are playing the whole "lost in the post card" even though I sent it recoded delivery !

I dont really Know what info they want , that was the letter they sent me ?!

Hmmmmm I think I will send them that reply.