Jump to content


  • Tweets

  • Posts

    • Hi  Letter was amended and sent recorded delivery on Saturday I have also stopped using the car and emptied it out waiting for him to collect...
    • Hi, I’m hoping someone can help me understand what is going on with my mortgage lender. I fell into 4 months arrears but have a repayment arrangement in place for the mortgage amount & to clear the arrears this was arranged by another organisation who work on their behalf.   I have now received a court hearing date letter for 20th December for a possession hearing and I’m really confused as to why I’ve received this. I’ve contacted the organisation I arranged the repayment plan with but haven’t had a reply yet.   What is the best thing for me to do now to get this resolved? 
    • It is at the dealer that performed the service that identified the issue. I have not moved it, because even if I wanted to I came drive it now knowing what I do. I told the finance company sitting in the dealership reception.   I did not decide to take it for repair to a garage near me. I had no idea this was there until it was shown to me. I have also straight up asked them if they are happy where it is and they said yes. I have incurred no further costs outside the initial service it was due, that I have obviously no intention of claiming back.    to summarise facts: I purchased a 2015 car on HP for £31,980 in July from an independent dealer. The car has full main dealer service history and had done 36000 miles Car went in for its 6 year service at my nearest main dealer on 25th November When it came to change the spark plugs, coolant was found in the spark well for cylinder 7. I saw this myself. Could not definitely say what it was caused by (apart from the obvious - a crack) as no one had seen a similar fault so performed more diagnostic tests. I contacted finance company via their live chat informing them of issue- yes I have a transcript. Was told a complaint was raised and they would be in touch. I then went home. when I got home a form had been emailed to me to fill out that asked questions such as what I had done so far, where it is, what resolution I would like and other needless things like was it taxed or insured. I completed and forwarded the form Dealer diagnosed a crack in the cylinder heads water jacket the next morning, causing a slow leak under pressure. The dealer did not charge for the diagnosis. I asked the dealer to email me a report. I then forwarded this to the finance company with an updated version of the form sent the previous day. The following Tuesday I got an email saying they tried to phone me and asking, I quote “I understand you were in the process of getting a Diagnostic Report completed on the vehicle, please can you send this into us so we can forward this on to the dealer to investigate?” To which I sent it again, informing them I sent it the previous Friday  I contacted their customer services to ensure receipt, getting through to my case handler appears impossible. They said they had. Not having heard anything I finally managed to get through to my case handler last Thursday. They say they are waiting on the dealer. At this time I said I am raising it under my credit agreement with you to be told “ we do this everyday we need to hear from them” I get an email back, back peddling a bit saying  “Further to our conversation, we have forwarded the information and report you have sent in to the dealership <name>.  We are jointly liable with the dealership for the issues with the vehicle, however as we don't have a work shop to repair the vehicle, we give the dealership the responsibility and a single opportunity to repair the faults. Once the dealership have reviewed the information we have provided, and we receive a response from them, we will contact you to update you. ”   I then received a phone call where I was told they need their engineer to inspect the vehicle, I asked if that was necessary as they already have a report for a pretty simple fault. I was told yes. I then said I insist on being there for it. I also confirmed if the car is ok where it is. I followed up with an email summarising our call and haven’t heard anything since. I don’t want to be bent over here, nor do I want this to drag on. So I am not keen on waiting eons for the local guy from the pub to inspect it then get his mum to write a report which evidence points to being the quality delivered from the engineering company they use. I may be over cynical here but I’ve already had one crappy bit of news so why not more.   If I have to pay for it myself then try claim it back I’d probably go down a more legal route. What is a reasonable time frame to agree that the solution is to fix a crack in a lump of aluminium?    
    • This discussion has become rather stop start – mainly, I suppose, because of the difficulty you have had in getting quotes. However, could you just sum up here the cost of addressing all of these defects – and how much have you paid already?
    • SALE OF THE CENTURY: The government’s plans to sell off the UK’s vaccine manufacturing plant will leave the country vulnerable to emerging Covid variants ahead, the head of the centre behind the Oxford jab has warned.   Professor Adrian Hill told The Independent that the sale of the Vaccine Manufacturing Innovation Centre (VMIC) in Harwell was like “having been in a terrible war and you suddenly cut your defence budget substantially”.   Labour’s Wes Streeting, the new shadow health secretary, said it “would be unbelievably short-sighted and complacent” to sell off VMIC with a pandemic still raging. Meanwhile, concern mounts over the slow rollout of booster jabs. Data shows at least 300,000 housebound people haven’t yet had their booster, according to The Telegraph.   -Independent         Vaccines Manufacturing Innovation Centre, Oxfordshire, UK WWW.PHARMACEUTICAL-TECHNOLOGY.COM Vaccine Manufacturing Innovation Centre (VMIC) in Oxfordshire will become the first-ever facility dedicated for the development and...        
  • Recommended Topics

  • Our picks

  • Recommended Topics

Please help, advice needed on "PACE FORWARD" and STUDENT LOANS


cazzy1975
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4553 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello

 

I'm new to this site so I hope I have posted this in the right place.

 

Today I recieved what I'm guessing is a "fishing" letter from PACE FORWARD. Addressed to my current address, but in my maiden name (which I haven't used since 2002). It seems to be a typical letter requesting a call to discuss a "personal matter" although the company seem unsure as to whether I live here or not. I discovered this site whilst trying to find out what company pace forward are, and have read several bits of advice from the site where users are referring to some debts as being statute barred. I'm not sure whether that will be relevant in my case or not. I have wracked my brain trying to work out what debts I have in my maiden name (I am already slowly paying back debts in my married name after splitting from my husband), I have concluded that it must be a debt to the Student loans company.

 

I took out student loans from 1993-1997 and consistently deferred them until 2002, at that point I was moving around the country a lot and basically screwed everything up. Whilst never earning enough to be required to pay back my loan I got nervous after failing to defer and then avoided dealing with the issue altogether. About 3 years ago I tried to attend to all the debts that I was left with when I split with my husband using a local advice service. Most of the debt companies agreed low repayments as I am on benefits. I asked the student loans co to deal with the advice company directly and never provided my address, but they never responded.

 

So, now I am wondering where I stand on this debt, did I effectively ruin any chances of it being statute barred (even though the debt is very old) because of trying to sort it out a few years back? What advice does anyone have in how to deal with the letter from pace forward?

 

Hoping Someone can help!

Caz

Link to post
Share on other sites

Hi and welcome

 

send them this template amended to suit

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Link to post
Share on other sites

Pre 98 Student loans -

 

Six years No Acknowledgement + No Payment from you = Statute Barred. Nothing can change that:)

 

Ignore the letter.

 

Beware of dealing with the student loans company and it's agents. They will pull every stunt to try to trick you into paying them money. Do not listen to anything they have to say because they do not have your interests at heart at all.

 

I would advise you to ring the National Debtline... they will tell you exactly what you need to do to get these monkeys off your back.

 

If you do write to them do not use your real signature.... they will lift it and try to make it look like you contacted them in the limitation period.

Link to post
Share on other sites

Thanks PGH7447, I think your letter will become more useful later down the line assuming the continue to chase me, as currently they have not referred to any debt at all, just requested I contact them about a "personal matter". They are obviously trying to catch me out though, because they say if I'm not the person they are looking for to contact them anyway so I can be ruled out of their enquiries.

 

Thanks kurvaface, what I'm worried about is that I might count as having "acknowledged" the debt when trying to sort this out a few years back. I can understand now if I had just ignored the debt at the time I wouldn't have this problem at all, but I thought I was doing the right thing trying to deal with the issue...my mistake lol!

 

Caz

Link to post
Share on other sites

Thanks kurvaface, what I'm worried about is that I might count as having "acknowledged" the debt when trying to sort this out a few years back.

As long as there is a full clear six years where no payment or written acknowledgement of the debt was made then it will be Statute Barred & nothing can make it 'un-barred'.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Thanks PGH7447, I think your letter will become more useful later down the line assuming the continue to chase me, as currently they have not referred to any debt at all, just requested I contact them about a "personal matter". They are obviously trying to catch me out though, because they say if I'm not the person they are looking for to contact them anyway so I can be ruled out of their enquiries. in that case report them for assuming you are who they want, they know this is against the OFT guidleines

 

Thanks kurvaface, what I'm worried about is that I might count as having "acknowledged" the debt when trying to sort this out a few years back. I can understand now if I had just ignored the debt at the time I wouldn't have this problem at all, but I thought I was doing the right thing trying to deal with the issue...my mistake lol!

 

 

 

Caz

 

PGH7447

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Link to post
Share on other sites

A SAR might be the route to go down then

 

not at this stage

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Link to post
Share on other sites

Thanks Cerberusalert, I'm not really clear what counts as acknowledgement. In 2002 I was in contact with student Loans co (SLC), and then in 2006 I sent a form letter provided by the advice centre to the SLC asking to sort out the debt, where with the other debt letters I sent out I provided my address in the case of SLC I asked them to correspond with the advice centre. I don't know exactly how PACE FORWARD got my address but the advice centre could have provided it to them. Surely my correspondence, even though through form letter, counts as some form of acknowledgement?

Caz

Link to post
Share on other sites

By the sound of things there has been a 9 year gap anyway between 1997 & 2006 unless you made a written acknowledgement in 2002. Either way their is nothing to stop you sending the Statute Barred letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred the onus is on them to prove otherwise, besides even if you did write there is every likelihood the won't be able to retrieve the document anyway.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Thanks again Cerberusalert...thats much clearer! I only spoke on the phone to them in 2002, assuming then the advice centre form letter in 2006 doesnt count as acknowledgment and if it does they're unlikely to find it hahaha! So my plan of action is wait until I get chased with a letter refering to the actual debt rather than the vague one I got today. At that point then I shall send the statute barred letter and hope for the best.

Thankyou all so much for the advice I shan't be lying awake at night worrying now!

Caz

Link to post
Share on other sites

The Limitations Act Limitation Act 1980 (c. 58) covers most debts, but Mortgages the limitation period is 12 years.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

I mean what if this company are chasing another debt that may not be statute barred.... are you saying send the statute barred letter anyway?

No, I'm suggesting it in this case because it's such a big time-frame between contact.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Deferring your loans until 2002 means acknowledgeing them until 2002. The clock starts from then.

Even so they still will have to prove it's not Statute Barred in this case. ;)

 

If in the unlikely event they do manage to do that it is still not the end of the story. They will still have to provide an enforceable CCA & many from that period are either unenforceable or simply don't exist any longer.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Cerberusalert, what I mean is caz doesn't yet know if this is about student loans or not. It may be about another debt from last week or last year, they haven't said, so sending a statute barred letter could be the wrong thing to do.

The evidence points towards the student loan because the letter was addressed to her maiden name which she hasn't used since 2002. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...