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About Me


  1. Hi All. I am having a real headache at the moment with homeinsure.co.uk / Thames bank insurance. Background: I split up from my ex-wife some time ago, but as we own a property together (wholly on my name) and no one else lives at the property, i still left some of my contents there as it is the safest place for them. This included some photography equipment, cycles etc. Additionally, all the bills etc on the property are on my name as i deal with anything official in relation to the property. The building is insured via a block management policy. History: Back in 2016
  2. Hi everyone - haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again. Got a letter from Direct Auto Finance saying I could claim for PPI, they sent a form and also asked for copy of my agreement (which I did have, think was from 2012) filled it all in as we were conned, I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about
  3. The company we all can not forget, for their poor quality customer service and who cares attitude which landed yes BUST I had a letter in december from them at my new address, the property was built in 2013 so would of been impossible for them to obtain from me. I checked all of my credit files and no searches, Direct Auto finance claim they got it from equifax... so I ask equifax they say no they have not. Direct Auto finance claims that they have the right to trace my address for legitimate business reasons, and they also have to right to still keep 12 years after the end of
  4. Hi, I received a letter from Ruthbridge over a DLC debt which has been assigned to them, this is very old although payments were being made to dlc through a dmc in 2011. I received this letter threatening to make me bankrupt! I decided to send a CCA request to them and have just received a reply today returning my postal order. This states 'we write further to your recent correspondence requesting information with regard to our reasons for contacting you. We take note of the points you have raised in your correspondence, however we must advise we are no
  5. Hello group, I have had a letter from debt and revenue services saying they will visit my property ( i'm not unduly concerned as I dont live there ) However this is for a supposed debt of an auto renewal house insurance of £50 which they have now pushed up to over a £100 with their terms and conditions : I had previously told Admiral last year that I did not wish for them to continue after 12 months and cancelled my DD so they couldn't take it ( they tried) and I insured with another company. My question is ...does this situation go on and on ? are these idle threats? does Admiral seri
  6. Hi all, some advice required please. i used a ppi claim company to make various claims a couple of years ago, with some positive results,(apart from their charges). i had a couple of cars through YCC pre 2005 and ended december 2007. i claimed against YCC in 2011 but resulting in a letter from the claim company about 3yrs later saying the ombudsman rejected the claim as it was pre feb 2005. would it take that long firstly, and would it be worth making a claim against Direct auto finance??? Or have i been fobbed off by that claim company because they couldnt be bot
  7. Please could you help i have been pursuing a claim for mis sold PPI against YES car credit/DAFS for a number of years, i bought the car in 2001, I'm not covered by either FOS or associated bodies. I have got to the stage whereby i have advised them i will be continuing my fight through the courts, on Saturday i received letter From Irwin Mitchell stating amonghts other things. I quote " It is our clients primary contention that any claim brought in respect of the agreement will fail as it will have been brought outside the statutory time limits for starting court
  8. UGH! This is a long one, so please bear with me :/ Last year, I had precious little faith in the DVLA's new auto renew direct debit for car taxing, so I set up a new one. As you may have guessed, they wound up double dipping and took months to stop. This year, because I was still leery, I emailed them back in March before my MOT to ask if I would need to manually set up a new direct debit. The response came back as follows: It may help if I explain that periodic scans are conducted on the MOT databases at time of renewal. Provided there is a valid MOT in place by the last scan date
  9. Hi all I was testing some apps for my daughter to check car history and whilst testing, I used my own car details and have found out my car hasn't been taxed since december. I bought the car in Dec 2015 and set the DD up. I have email confirmation and paid each month without fail up to Nov 2016 No details changed during that first 12 months and having checked, the DD is still set up in my bank but no payments made since Nov 2016. I want to pay my tax from today but am being g asked for a v11 reminder number which don't have. Does anyone have any advise where I stan
  10. Sorry to resurrect this old thread, but with all the recent publicity about reclaiming PPI, can I ask if anyone has actually had a repayment from Yes Car Credit? Briefly, I had 2 accounts with them, one in 2001 and another in 2003. I had PPI on both, and was told I had to have this to ensure I got the loan. It would never have paid out as I was working on a Zero Hours Contract, or an 'as and when required' contract as it was them. The first agreement was settled when I took the second one out. Both accounts where settled in full with not one late payment. I still have t
  11. Hello, I had a 10 month policy with Elephant that ran out at the end of december, as I am not originally from the UK I wasn't aware that auto-renewal is even a thing. I did not receive any calls/letters from Elephant about a new policy. I received one letter at the end on January with my 1 years NCB with a £133 bill for my new policy that was already cancelled. Is there any way to clear my history of a cancelled policy? Thanks.
  12. hi its my first time on here was wondering if anyone can help as my husband and i bought a car and part exchanged a car aswell with yes car credit auto direct finance back in 2005 we paid them off in full around 2006 we got made to take ppi out amongst other things cant find a address or tele no to start a claim would be very grateful for any advice and who i can speak etc many thanks
  13. Hi there I am not great with wording things so I will try my best here. I took out a car with Yes car credit back in 03/04, I was young and stupid I know. When I purchased the vehicle the salesman told me that in order to purchase the car I had to also take out the PPI otherwise it would be declined, now in 2007 with only 8 months left to pay on the vehicle ( a vehicle I had paid way over the odds for in the first place) I became unemployed and fell behind with payments, a man rang me and said he was coming to collect the vehicle to be sold at auction as I hadn't made in payments i
  14. Hi guys, I have purchased a 2008 E92 - 325D sport - from a dealer, the car looks and drove perfectly, one issue that came up while on the motorway, it beeped followed by loss of power the amber gear wheel appeared on the dash and on the communication screen came up with "automatic transmission fault" parked on the site of the road, switched on and switched off still the issues was there, on pulling away the car seems stuck in second gear. I took it back to the dealer where I bought it and its under warranty, I haven't heard anything from the dealer yet. the car has 48k miles
  15. Hi, I have seen a few threads on topic but couldn't find one where the OP had any success in it. My wife and I have been david lloyd members since 2012 and renewed every year. Always paid for a year in advance. This year, i want to renew but wife wants to stop the membership. So when my wife called to confirm her cancellation a week before it was due to end, she was told that to check her contract that she needs to give 3 months notice. We were never told about auto renewal or that 3 months are required to give notice. As we are paying in advance, membership should end at the en
  16. Hi sorry that it's another Harlands related thread. I've just been reading through a lot of them and it's got me worried about ending the contract. So I'm tied into a minimum contract of 6 months and I don't wish my payments and my membership to continue after the minimum 6 month period. My minimum 6 month period ends on 17th January 2016. I've just sent them this email: To whom it may concern, My name is Jonny Jones I am contracted to a minimum period of six months payment of £90.00 to Harlands Group for membership to London Fight Factory, my reference number to quote is: 3304
  17. Hi All Need a little bit of assistance with a claim for mis-selling of PPI. This is the first time I have attempted to claim PPI as I think this is the only account I have had PPI on and I didn't think it was possible to claim back from accounts pre-2005. I've read a couple of threads but they seem to be a couple of years old now, so wondering if anything might have changed at all. I purchased a car through YCC/DAF in 2001. The account was settled in 2005. When I was sold the car/finance I was told that taking out the PPI and GAP insurance were mandatory f
  18. I just added a post about a couple from Scun thorpe and notice that automod changed the name, as follows. Scunthorpe Quite funny really !
  19. Hello, first timer here. I'm getting repeated calls from a company called 'Commercial Reduction Services'. Their story is that the govenment has recently passed a law that allows utility companies to auto-renew contracts and put the prices up at the same time. They wanted me to sign an electronic document (an LOA) which would get me out of this. I delete these when they send them. Having been fast-talked by a utility broker when I set up my business I've learnt the hard way not to agree to anything offered by door-to-door or telephone sales people,
  20. Hello fellow Cags, I have a doubt and I wonder if you could help me. About a month ago I had a problem with my car, the immobilizer didn't let me start the car. I called these people(http://www.av-autolocks.co.uk/contact.php) to see if they could sort me out which they said they would but only next morning. That the job would cost me £140 and that they needed a deposit of £30 straigh away to book the job. Next morning really early i had a text from them saying that it would be impossible as the locksmith had a family emergency and that they just could come th
  21. Hi all. Iv purchased a 1999 reg land rover freelander off auto trader through a dealership. Thing is I don't know if this is a full on dealership or some other form. I have their name but the car was purchased from a big posh house out in the country with many new 2012/2013/2014 plate audis and bmw's for sale on the estate. iv bought this car after reading the description saying how it has x and y and has mot till October. Good runner etc etc... No mention of any problem. And the dealer said nothing about problems either. Intact he said and I quote "you won'
  22. Hi All Hope you can give me a piece of advice. Took a loan out with Yes Car Credit in Sep 2004 made repayments of over £10k over 3 years got into difficulties. Owe £3904 now. DLC did make me an offer in 2009 to close the account for £904. Hillesden Securities are reporting on my credit file default date 03/09/2008 but I believe I received a default notice in Sep 2007 from DAF. Last payment/contact with Direct Auto Finance 08/05/2008 Could someone tell me when the debt becomes statute barred and when it will drop off my Credit report. I have
  23. I have a motorbike which has been insured by Bennets since 2009 however due to lack of use last year I decided to wrap it up and leave it in the garage (not ridden since last summer) So when my new policy came through at the end of August I sent the certificate back with a covering note explaining I didn't wish to take out the policy as I understood that was what was required. At the end of Nov I noticed Bennetts were still taking money from my account so I stopped the d/d, it wasn't a huge amount £21 a month, since I stopped the d/d they have been chasing me fo
  24. Hope someone can help, i have searched previous forums regarding Direct Auto Finance. Lots of really useful information, but just after a little bit of advice. I have received defendant’s defence from Irwin Mitchell, stating what iguess is normal response, that i cannot prove what the agent said and boxeswere ticked re PPi, gap and breakdown cover etc. I explained i was told i couldn't have the car without the insurances. The insurances with Interest were more than the cars value!!!! I have not received anything from the court yet but i have been informed thedef
  25. I took out a loan when strapped for cash - £400 I think it was. Paid it for about 10 months, nearly always late. Then in March I got a letter from them offering to come to a settlement but have heard nothing further and there have been no phone calls or letters telling me to pay up or bring the account up to date. It may seem that they have forgotten about me but I do want to settle with them and should soon be in a position to do so. However in the meantime I am dreading the boys in black coming along at some unearthly hour to tow the vehicle away? The ca
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