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    • I am getting conflicting advice from friends about this issue. I am hoping somebody can end my confusion. A couple of weeks ago I took my Mum out for her birthday. Another driver scratched the front passenger side near the bumper of my car as it was parked up. There are no dents just quite severe paint work damage. He scraped his car against mine. The other driver drove off. Luckily there was 2 witnesses who got the other drivers reg number. Cut a log story short the other driver said he didn’t realise he damaged the paintwork on my car. He has however admitted liability. His insurance is paying out. Last Thursday my car was taken away to have the paintwork done. Today I been told my car has been put down as a total loss (not a write off).  As it is only paintwork damage and not body work or mechanical damage, I don't understand why it has been put down as a total loss. I have been told by the insurers I can either write the car off and receive payment to the value of the car or I can take a lower payment and get the car repaired myself.   I am getting conflicting advice from friends. Some are saying if I keep my car and get the repairs done myself the car will then be classed as a category S or category M and I will no longer be able get insurance on the car as it will be classed as written off. As it is only paintwork damage and not body work or mechanical damage, I don't understand that. My questions are  If I take the payment to get the paintwork repair done myself will I still be able to insure my car when the insurance is up for renewal? If I take the payment to get the paintwork repair done myself will my current insurance policy be voided? If my car does get classed as category M or S will the stop me from selling it on the future? Thanks
    • Yes, it is just for Tesco. But as that manager explained, those two spaces on that ground are now rented by the electric company. "What appeal?  Private parking companies never, ever, ever accept appeals - ever." What is my next move then, please? Just wait for them to issue me with whatever it is they issue, and then what? 
    • so how are you doing OP?  Letter of claim ready?
    • @fusionrox please create your own thread by clicking the button at the top of the website
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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Nat West - celebrate! - I think!

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When I checked my credit file yesterday to look fior the start date of one of my cards, I noticed that my debt balance had gone down.


So I counted up the number of credit cards and found one missing.


So i checked them off -and found - that my Nat West Visa card has gone! Best part of £10k including all the extra interest and charges they have put on :)


I haven't heard anything from them at all, though someone I know had this happen with one of her cards.


Anyone else had this? Is that it? Can I file this one away now as a success?





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Took it out Jan 2002.


I CCA'd them and never had anything back except standard T&C sheet


few stroppy letters saying they had sent me all they needed to send me....

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  • 3 weeks later...

Interestingly this bunch are still chasing me for the debt even though it now doesn't exist.


I had a letter from Triton not long after which I assumed just came because they were slow updating records. Today I have a letter from green & Co which i might post up late if I have time, its funny.


Interesting from letterheads that Triton are a part of RBS and Green & Co ar "the practising name of solicitors emplotyed by the Royal bank of scotland group"


I am not taking any notice of the letter I just wondered does anyone know re Credit File, once it's off presumably its off, they cant reinstate it later?


(There was never any response to CCA except standard T&C)

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When this happens it usually means they've sold it on or are about to. No doubt a DCA will contact you in the near future. At that time just point out to them that as NatWest failed in their obligation to provide you with a copy of a signed agreement you would suggest that they pass it back to them as you consider this to be harassment and as such will be reported to OFT.


I would send this letter to Green & Co.


I refer to your letter of xxx received xxxxxx


Frankly, I am surprised of the need to remind a firm of Solicitors about terms and conditions surrounding my requests to your client for a true copy of my Consumer Credit Agreement (Consumer Credit Act 1974); received by NatWest on xxxxxxxxxx. I can only assume therefore that they failed to inform you that the above account is in dispute.


Should your clients now persist with threats of legal action, I will welcome the opportunity for a judge to look at several offences committed by NatWest under the Consumer Credit Act 1974, as well as your client's non-compliance with and total disregard for the law on this occasion.



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So when they sell it on do they take it off the credit file?


Sorry for my ignorance, I've not had this happen before.


there is no CCA so they can sell to who they like!!


Would have been nice to be able to stop doing letters on one of them though.......

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Yes, they take it off your file thats what makes me think they are about to sell or have. Unfortunately, because there is no agreement doesn't mean that the debt doesn't exist. Unless the debt is actually written off you can be chased for this for at least six years from when you last acknowledged it. After six years it becomes statute barred and thats when the lowlife start buying and chasing and hope you don't know your rights. There are cases where caggers have been taken to court and lost even though there was no signed agreement. Just depends on the Judge's knowledge on the day.

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